Personal loans in Poncha Springs, CO

For a borrower among the roughly 1,287 residents of Poncha Springs, a personal loan is a tool whose cost turns on the terms, not the address.

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

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For the 1,287 people in Poncha Springs, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. An estimated 1,287 people make their home in Poncha Springs, a figure that ranks 137th in Colorado. Use the calculator on this page to price an amount and term before you commit in Poncha Springs. A 2020-to-2023 comparison shows Poncha Springs up by about 39.0%. The next larger city is Salida, CO about 4 miles away.

Poncha Springs: population, trend and location

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

Population: the Census counts 1,287 residents in Poncha Springs (Vintage 2023 subcounty estimate), the 137th-largest figure among Colorado's 270 places.
Population trend: Growth of about 39.0% across the 2020-to-2023 comparison.
Absolute change: 361 residents added between 2020 and 2023.
Size percentile: bigger than about 49% of the places in Colorado, with 1,287 residents in Poncha Springs.
Population density: 418 people per square mile on 3.1 square miles of land.
By land area: Poncha Springs ranks 103rd among Colorado's 270 places, at 3.1 sq mi.
State population share: Poncha Springs accounts for about 0.0% of everyone in Colorado.
National rank: Poncha Springs is the 9,288th most populous of the 19,457 Census places covered here.
Growth rank: Poncha Springs's 2020-to-2023 change ranks 7th of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Poncha Springs moved 39.0%.
Density rank: Poncha Springs is the 223rd most densely settled place in Colorado.
Density vs Colorado: Poncha Springs's 418 people per square mile compare with a state median of 1,126.
Location: 38.5211 / -106.0726, per the US Census Bureau Gazetteer.
Nearest larger cities: Salida (4 mi); Buena Vista (22 mi); Gunnison (46 mi); CaÃ±on City (46 mi); Leadville (52 mi). Larger metros often have more branches, but online lenders reach Poncha Springs on the same terms.
Smaller places nearby: Pitkin (25 mi); Saguache (30 mi); Moffat (37 mi).
Smaller neighbours: 9 places smaller than Poncha Springs sit within 50 miles.
At 100 miles: 49 larger Census places fall inside that radius.

Lender access in Poncha Springs

Poncha Springs is lightly settled, with about 418 people per square mile and 4 larger places within 50 miles. Whether Poncha Springs has a local branch or not, a Colorado-licensed lender can serve its 1,287 people online on the same terms. The nearest bigger place is Salida, CO about 4 miles away.

Land, water and location for Poncha Springs

Inside Poncha Springs's boundaries lie about 3.1 square miles of land, with no significant water area recorded. Spread across it are roughly 418 residents per square mile. The largest place in Colorado, Denver, lies about 107 miles away. Poncha Springs has 4 larger places within a 50-mile radius. The 100-mile radius contains 49 larger places.

Poncha Springs in state context

Within Colorado, Poncha Springs holds roughly 0.0% of all residents, the 137th-largest share among 270 places. For population change between 2020 and 2023, Poncha Springs ranks 7th of 270 in Colorado (about the 97th percentile). At about 418 people per square mile, Poncha Springs is the 223rd most densely settled place in Colorado. The population moved by about 361 people between 2020 and 2023, a 39.0% shift.

Colorado rules behind a Poncha Springs personal loan

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Poncha Springs 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
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
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

What shapes a Poncha Springs personal loan

In Poncha Springs, a small community of about 1,287, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Poncha Springs can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Poncha Springs loan but raises total interest, so the smallest payment is not the cheapest loan.

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Common questions

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

What loan size can I expect in Poncha Springs?

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 Poncha Springs?

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 Poncha Springs 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

Salida, CO — population 5,900
Buena Vista, CO — population 3,080
Saguache, CO — population 533
Pitkin, CO — population 75
Moffat, CO — population 107
Crestone, CO — population 139
Fairplay, CO — population 738
Westcliffe, CO — population 495