Personal loans in Northglenn, CO
Northglenn, Colorado — home to about 38,164 people — is a smaller city, so the terms you are offered follow Colorado law rather than any local rule.
For the 38,164 people in Northglenn, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. With 38,164 residents, Northglenn outranks about 91% of the communities in Colorado. Read the disclosure for an origination fee and any prepayment penalty before signing in Northglenn. From the 2020 Census base to the 2023 estimate, the population rose by about 0.1%. The next larger city is Thornton, CO about 2 miles away.
Where Northglenn stands
Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.
- Population: about 38,164 people live here, which puts Northglenn 23rd of 270 Census places in Colorado (Vintage 2023).
- Population trend: Up about 0.1% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 55 more since the 2020 base.
- Size percentile: roughly 91% of Colorado's places have fewer residents than Northglenn's 38,164.
- Population density: about 5,185 people per square mile (Census land area 7.4 sq mi).
- Land area rank: Northglenn's 7.4 square miles rank 60th of 270 places in Colorado.
- Water: Northglenn holds about 0.09 square miles, the 46th-largest water area in Colorado.
- Within Colorado: about 0.9% of the state's population lives in Northglenn.
- Nationally: Northglenn is the 1,050th-largest of 19,457 Census places in the dataset.
- Growth rank: Northglenn's 2020-to-2023 change ranks 117th of 270 places in Colorado.
- State comparison: Colorado's places average +2.3% for 2020-to-2023, against Northglenn's 0.1%.
- Density rank: Northglenn is the 6th most densely settled place in Colorado.
- Density in context: Northglenn's 5,185 people per square mile sit against a Colorado median of 1,126.
- Location: latitude 39.9116, longitude -104.9821 (Census Gazetteer).
- Nearest larger cities: Thornton (2 mi); Broomfield (5 mi); Westminster (5 mi); Commerce City (10 mi); Arvada (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Federal Heights (4 mi); Lafayette (8 mi); Erie (9 mi).
- Smaller neighbours: 59 places smaller than Northglenn sit within 50 miles.
- At 100 miles: 21 larger Census places fall inside that radius.
Where Northglenn sits
Northglenn's land area is about 7.4 square miles; a further 0.09 square miles is water. That land carries about 5,185 people per square mile. The largest place in Colorado, Denver, lies about 12 miles away. A 50-mile radius around Northglenn takes in 19 places that are larger. Within the same 50 miles lie 59 smaller Census places.
Steps to take before a Northglenn loan
For Northglenn's roughly 38,164 residents, these are the steps that most influence the offer:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Colorado licence with the regulator named above before committing.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
None of these steps is Northglenn-specific: the same Colorado licensing and disclosure rules reach all 38,164 residents.
Northglenn's place among Colorado's 270 places
Against Colorado's other places, Northglenn accounts for about 0.9% of the state's population and ranks 23rd of 270 by size. On the 2020-to-2023 trend, Northglenn stands 117th among Colorado's 270 places — roughly the 57th percentile. Its roughly 5,185 residents per square mile place it 6th among Colorado's places. The population moved by about 55 people between 2020 and 2023, a 0.1% shift.
The state rulebook for Northglenn
These are Colorado's sourced lending facts as they reach Northglenn's 38,164 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Colorado Attorney General's Office — Consumer Credit Unit (Administrator of the Uniform Consumer Credit Code) Source says: "The Consumer Credit Unit regulates (through licensure/registration programs) companies and individuals involved in consumer lending"; it "licenses non-bank lenders such as finance companies and payday lenders". | Colorado Attorney General — Consumer Protection Section as of 2026-09-16 |
| Payday lending status | Permitted but capped at 36% APR (Proposition 111, effective February 1, 2019) Source says: "a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of thirty-six percent". | Colorado General Assembly — C.R.S. § 5-3.1-105 (Deferred Deposit Loan Act) as of 2026-09-16 |
| Small-loan / installment lender licensing | Supervised lender license required from the UCCC Administrator (master license required for more than one place of business); deferred deposit lenders must hold a supervised lender's license Source says: "if a supervised lender has more than one place of business, they must obtain a master license"; "no person shall engage in the business of deferred deposit loans without having first obtained a supervised lender's license" (C.R.S. § 5-3.1-116). | Colorado Attorney General — Uniform Consumer Credit Code licensing as of 2026-09-16 |
Borrowing reach in Northglenn
Northglenn is a densely built community of about 38,164 people, with 19 larger places inside a 50-mile radius. Distance to a branch rarely matters for Northglenn's 38,164 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Thornton, CO about 2 miles away.
Common questions
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Nearby places
- Thornton, CO — population 144,922
- Federal Heights, CO — population 13,943
- Broomfield, CO — population 76,860
- Westminster, CO — population 114,875
- Erie, CO — population 35,269
- Lafayette, CO — population 30,439
- Lakeside, CO — population 16
- Mountain View, CO — population 519