Personal loans in Pagosa Springs, CO

By population, Pagosa Springs sits at 122nd in Colorado, with an estimated 1,773 residents. For a bigger market, look to Bayfield, CO about 33 miles away. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Pagosa Springs as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Pagosa Springs loan.

Pagosa Springs: the sourced local profile

Read the local figures below as context; read the sourced Colorado table as the rulebook a lender here must follow.

• Population: about 1,773, ranked 122nd of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 10.5% from 2020 to 2023.
• Absolute change: 168 residents added between 2020 and 2023.
• Size percentile: Pagosa Springs sits ahead of around 55% of Colorado places, at 1,773 people.
• Density: roughly 350 residents per square mile, spread over 5.1 sq mi of land.
• Land area: Pagosa Springs covers 5.1 square miles, the 77th-largest area among Colorado's 270 places.
• Water: Pagosa Springs holds about 0.03 square miles, the 74th-largest water area in Colorado.
• Share of state population: Pagosa Springs's 1,773 residents are about 0.0% of Colorado.
• National rank: Pagosa Springs is the 8,067th most populous of the 19,457 Census places covered here.
• Growth rank: Pagosa Springs ranks 29th among Colorado's 270 places for the 2020-to-2023 change.
• State comparison: Colorado's places average +2.3% for 2020-to-2023, against Pagosa Springs's 10.5%.
• Density rank: Pagosa Springs is the 234th most densely settled place in Colorado.
• Density in context: Pagosa Springs's 350 people per square mile sit against a Colorado median of 1,126.
• Location: latitude 37.2634, longitude -107.0036 (Census Gazetteer).
• Nearest larger cities: Bayfield (33 mi); Durango (48 mi); Monte Vista (52 mi); Center (59 mi); Aztec (62 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: South Fork (34 mi); Chama (35 mi); Ignacio (36 mi).
• Smaller places within 50 miles: 5 of them.
• At 100 miles: 14 larger Census places fall inside that radius.

Getting a loan in Pagosa Springs

With about 350 residents per square mile, Pagosa Springs is lightly settled, and 2 larger Census places sit within 50 miles. Whether Pagosa Springs has a local branch or not, a Colorado-licensed lender can serve its 1,773 people online on the same terms. For a larger market, the closest option is Bayfield, CO about 33 miles away.

The geography behind Pagosa Springs

The Census Gazetteer records 5.1 square miles of land and 0.03 square miles of water within Pagosa Springs. That land carries about 350 people per square mile. The state's population centre of gravity, Denver, is roughly 207 miles away. A 50-mile radius around Pagosa Springs takes in 2 places that are larger. Within the same 50 miles lie 5 smaller Census places.

Inside a Pagosa Springs personal loan

Pagosa Springs is a small community of about 1,773 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Pagosa Springs. Because the payment is fixed, the total cost of a Pagosa Springs loan is knowable in advance — unlike a revolving card balance.

The Colorado lending rules that reach Pagosa Springs

Read the table as a lender's compliance picture for Pagosa Springs: the rule, the sourced figure, the publisher and the date.

Pagosa Springs's place among Colorado's 270 places

Within Colorado, Pagosa Springs holds roughly 0.0% of all residents, the 122nd-largest share among 270 places. Its 2020-to-2023 change ranks 29th of 270 Colorado places, putting it near the 89th percentile for growth. At about 350 people per square mile, Pagosa Springs is the 234th most densely settled place in Colorado. In land area, Pagosa Springs ranks 77th among Colorado's 270 places.