Personal loans in Paoli, CO

With an estimated 48 residents, Paoli is the 267th-largest of 270 places in Colorado. A lender serving Paoli holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 48 residents.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Population in Paoli dropped about 2.0% over the three years from 2020 to 2023. Pull your credit reports and line up at least three offers before you apply from Paoli. To lend to Paoli's 48 residents, a company must hold a Colorado licence, and each sourced row below names the regulator behind it. The nearest larger city is Haxtun, CO about 9 miles away.

The Paoli data picture

Paoli is a small community; the notes below cover its population profile and the statewide rules that apply.

The geography behind Paoli

Paoli covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 48 residents, the land area yields roughly 162 people per square mile. The state's population centre of gravity, Denver, is roughly 140 miles away. A 50-mile radius around Paoli takes in 23 places that are larger. By land area it ranks 231st of 270 Colorado places.

How lenders reach Paoli

Paoli is a lightly settled community of about 48 people, with 23 larger places inside a 50-mile radius. Distance to a branch rarely matters for Paoli's 48 residents: the application is online and the price follows your credit file. The nearest larger city, Haxtun, CO about 9 miles away.

How a Paoli personal loan is priced

Paoli is a small community of about 48 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Paoli lender to disclose the APR and finance charge before you sign. The term you choose in Paoli decides the split between a comfortable payment and the total interest you pay.

Which Colorado laws govern a loan in Paoli

When Colorado does not publish a figure, the row links to the source instead of inventing a number; Paoli is bound by the same rules.

RuleDetailSource
State lending regulatorColorado 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
Small-loan / installment lender licensingSupervised 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
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

Paoli in state context

Paoli is the 267th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 184th of 270 Colorado places, putting it near the 32th percentile for growth. By density, at about 162 people per square mile, it ranks 258th in Colorado. By land area, its 0.3 square miles rank 231st of 270 places in Colorado.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Paoli 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 Paoli is the same as anywhere in Colorado.
What loan size can I expect in Paoli?
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 Paoli?
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 Paoli 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

Related