Personal loans in Rangely, CO

A lender serving Rangely holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 2,286 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.

State law, not city hall, decides what a lender may do to Rangely's roughly 2,286 residents, and a state regulator supervises it. With 2,286 residents, Rangely outranks about 58% of the communities in Colorado. Judge Rangely offers on total cost, not on how quickly the money arrives. Census figures put the 2020-to-2023 decrease in Rangely at about 0.8%. The next larger city is Naples, UT about 44 miles away.

Rangely by the numbers

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

Population: 2,286 people, a figure that places Rangely 113th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Down about 0.8% from the 2020 Census base to the 2023 estimate.
Change in people: the 2020-to-2023 comparison is a loss of about 18 residents.
Size percentile: roughly 58% of Colorado's places have fewer residents than Rangely's 2,286.
Density: the Census land area of 4.4 sq mi holds about 522 people per square mile.
Land area rank: Rangely's 4.4 square miles rank 81st of 270 places in Colorado.
State share: roughly 0.1% of Colorado's residents live in Rangely (2,286 people).
National rank: Rangely is 7,141st of 19,457 places nationwide.
Growth rank: Rangely's 2020-to-2023 change ranks 138th of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Rangely moved 0.8%.
Density rank: Rangely is the 209th most densely settled place in Colorado.
Density vs Colorado: Rangely's 522 people per square mile compare with a state median of 1,126.
Location: latitude 40.0870, longitude -108.7833 (Census Gazetteer).
Nearest larger cities: Naples (44 mi); Meeker (47 mi); Vernal (47 mi); Fruita (64 mi); Roosevelt (65 mi). Living near a larger metro rarely changes what is available in Rangely.
Smaller communities close by: Dinosaur (16 mi); Parachute (59 mi); De Beque (62 mi), each with its own Census population profile.
Smaller neighbours: 1 places smaller than Rangely sit within 50 miles.
At 100 miles: 16 larger Census places fall inside that radius.

What is available to Rangely borrowers

With about 522 residents per square mile, Rangely is moderately settled, and 3 larger Census places sit within 50 miles. Lenders licensed in Colorado reach Rangely's 2,286 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Naples, UT about 44 miles away.

Land, water and location for Rangely

Rangely covers about 4.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 522 people per square mile. The largest place in Colorado, Denver, lies about 208 miles away. Counting outward 50 miles, 3 larger communities surround Rangely. Within the same 50 miles lie 1 smaller Census places.

Colorado consumer-lending rules applied in Rangely

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

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

Rangely in state context

Set beside Colorado's 270 places, Rangely ranks 113th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Rangely stands 138th among Colorado's 270 places — roughly the 49th percentile. At about 522 people per square mile, Rangely is the 209th most densely settled place in Colorado. Within 50 miles sit 1 smaller Census places, alongside the 3 that are larger.

The Rangely borrowing checklist

Complete these steps first when you borrow in Rangely (2,286 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Make sure the lender appears in the Colorado regulator's licence list.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Rangely-specific: the same Colorado licensing and disclosure rules reach all 2,286 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Rangely?

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 Rangely?

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 Rangely 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

Dinosaur, CO — population 246
Naples, UT — population 2,466
Vernal, UT — population 10,557
Meeker, CO — population 2,368
Fruita, CO — population 13,816
De Beque, CO — population 477
Parachute, CO — population 1,365
Grand Junction, CO — population 69,412