Personal loans in Pierce, CO

The first question in Pierce is not the rate on offer but whether the payment fits; about 1,080 people live here under Colorado lending law. With 1,080 residents, Pierce outranks about 46% of the communities in Colorado.

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

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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.

Census figures put the 2020-to-2023 decrease in Pierce at about 1.6%. For the 1,080 people in Pierce, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Pierce loan. Borrowers who want a bigger city can look to Ault, CO about 5 miles away.

Local context for Pierce

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

Population: 1,080 — Pierce ranks 146th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: Roughly 1.6% fewer residents than the 2020 Census counted.
Net change: roughly 18 fewer people than the 2020 Census counted.
Size percentile: Pierce's 1,080 people outrank roughly 46% of the places in Colorado.
Population density: 581 people per square mile on 1.9 square miles of land.
Land area rank: Pierce's 1.9 square miles rank 129th of 270 places in Colorado.
Share of Colorado: Pierce holds about 0.0% of the state's population, some 1,080 people.
National rank: Pierce sits 9,922nd by population among the 19,457 places in this dataset.
Growth rank: Pierce ranks 174th among Colorado's 270 places for the 2020-to-2023 change.
Versus Colorado: the state average change is +2.3%, while Pierce moved 1.6%.
Density rank: Pierce is the 205th most densely settled place in Colorado.
Density vs Colorado: Pierce's 581 people per square mile compare with a state median of 1,126.
Location: 40.6476, -104.7801 (US Census Bureau Gazetteer).
Nearest larger cities: Ault (5 mi); Eaton (9 mi); Severance (11 mi); Wellington (12 mi); Timnath (12 mi). Living near a larger metro rarely changes what is available in Pierce.
Smaller communities within reach: Nunn (5 mi); Garden City (18 mi); Gilcrest (25 mi).
Within a 50-mile radius: 7 smaller Census places.
Within 100 miles: 79 places are larger than Pierce.

Before you apply in Pierce

A sensible order of operations for a loan in Pierce, home to about 1,080 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the Colorado regulator's licence list.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Pierce-specific: the same Colorado licensing and disclosure rules reach all 1,080 residents.

How Colorado law applies in Pierce

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

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

What a Pierce borrower is actually offered

A Pierce personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,080 residents. Federal Truth in Lending rules require a Pierce lender to disclose the APR and finance charge before you sign. Shortening the term on a Pierce loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Pierce

At roughly 581 people per square mile, Pierce is moderately settled; 33 larger places lie within 50 miles. Whether Pierce has a local branch or not, a Colorado-licensed lender can serve its 1,080 people online on the same terms. The nearest larger city, Ault, CO about 5 miles away.

Pierce: area, density and distance

Inside Pierce's boundaries lie about 1.9 square miles of land, with no significant water area recorded. With 1,080 residents, the land area yields roughly 581 people per square mile. The state's population centre of gravity, Denver, is roughly 61 miles away. Counting outward 50 miles, 33 larger communities surround Pierce. Within the same 50 miles lie 7 smaller Census places.

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Common questions

What are my options in Pierce 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 Pierce is the same as anywhere in Colorado.

What loan size can I expect in Pierce?

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 Pierce?

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 Pierce 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

Nunn, CO — population 531
Ault, CO — population 2,666
Eaton, CO — population 5,832
Severance, CO — population 10,820
Windsor, CO — population 40,349
Timnath, CO — population 9,991
Greeley, CO — population 112,609
Wellington, CO — population 12,078