Personal loans in Palisade, CO

In Palisade, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. Palisade ranks 103rd of 270 places in Colorado, with a population near 2,602.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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For a community of about 2,602, the practical step is to compare APR across at least three lenders before committing. The 2020 count to the 2023 estimate shows about 1.5% growth in Palisade. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Palisade as from the rest of the state. The next larger city is Grand Junction, CO about 11 miles away.

Borrowing in Palisade: the local picture

What follows is Palisade's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

Population: 2,602 residents; Palisade is the 103rd-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 1.5% since the 2020 count.
People gained or lost: about 38 more since the 2020 base.
Size percentile: about 62% of Colorado's Census places are smaller than Palisade.
Population density: 2,190 people per square mile on 1.2 square miles of land.
Land area rank: Palisade's 1.2 square miles rank 155th of 270 places in Colorado.
Within Colorado: about 0.1% of the state's population lives in Palisade.
National rank: Palisade is the 6,715th most populous of the 19,457 Census places covered here.
Growth rank: Palisade ranks 90th among Colorado's 270 places for the 2020-to-2023 change.
Versus Colorado: the state average change is +2.3%, while Palisade moved 1.5%.
Density rank: Palisade is the 41st most densely settled place in Colorado.
Density in context: Palisade's 2,190 people per square mile sit against a Colorado median of 1,126.
Location: the Census Gazetteer records it at 39.1079, -108.3573.
Nearest larger cities: Grand Junction (11 mi); Fruita (20 mi); Delta (28 mi); Orchard City (29 mi); Rifle (43 mi). Larger metros often have more branches, but online lenders reach Palisade on the same terms.
Smaller communities within reach: De Beque (16 mi); Collbran (23 mi); Cedaredge (27 mi).
Smaller neighbours: 8 places smaller than Palisade sit within 50 miles.
At 100 miles: 17 larger Census places fall inside that radius.

The Colorado lending rules that reach Palisade

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Palisade lender must follow.

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
Maximum legal interest rate (usury cap)	UCCC finance-charge ceilings: 12% per year on non-supervised consumer loans; supervised loans 36% on the first $1,000, 21% on $1,000–$3,000, 15% above $3,000 (or 21% flat); 21% on revolving accounts Source says: "not exceeding twelve percent per year on the unpaid balance of the amount financed"; "Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less"; "Twenty-one percent per year on the unpaid balances of the amount financed".	Colorado General Assembly — C.R.S. § 5-2-201 (Colorado Revised Statutes 2024, Title 5) 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

Where Palisade sits

Inside Palisade's boundaries lie about 1.2 square miles of land, with no significant water area recorded. The resulting density is about 2,190 people per square mile. The state's population centre of gravity, Denver, is roughly 191 miles away. Within 50 miles of Palisade there are 6 larger Census places. The 100-mile radius contains 17 larger places.

Palisade's place among Colorado's 270 places

Within Colorado, Palisade holds roughly 0.1% of all residents, the 103rd-largest share among 270 places. Its 2020-to-2023 change ranks 90th of 270 Colorado places, putting it near the 67th percentile for growth. By density, at about 2,190 people per square mile, it ranks 41st in Colorado. Between 2020 and 2023 the count changed by roughly 38 residents.

What to do before borrowing in Palisade

Complete these steps first when you borrow in Palisade (2,602 residents):

Start with the credit file: order the reports, fix the errors, then apply.
Price the payment first with our personal loan calculator before any lender quotes you.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Colorado licence with the regulator listed on this page.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Palisade and the rest of Colorado is not the process but the borrower's own file, among the 2,602 people here.

How lenders reach Palisade

At roughly 2,190 people per square mile, Palisade is fairly dense; 6 larger places lie within 50 miles. Whether Palisade has a local branch or not, a Colorado-licensed lender can serve its 2,602 people online on the same terms. The nearest larger city, Grand Junction, CO about 11 miles away.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Palisade if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Palisade is the same as anywhere in Colorado.

What loan size can I expect in Palisade?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Palisade?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Palisade cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Grand Junction, CO — population 69,412
De Beque, CO — population 477
Fruita, CO — population 13,816
Collbran, CO — population 366
Delta, CO — population 9,599
Parachute, CO — population 1,365
Cedaredge, CO — population 2,410
Orchard City, CO — population 3,251