Personal loans in Rico, CO

The first question in Rico is not the rate on offer but whether the payment fits; about 332 people live here under Colorado lending law.

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

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For the 332 people in Rico, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Rico ranks 212th of 270 places in Colorado, with a population near 332. Verify the lender's Colorado licence against the regulator named below before borrowing in Rico. The 2020 count to the 2023 estimate shows about 13.7% growth in Rico. The nearest larger metro is Mountain Village, CO about 19 miles away.

Borrowing in Rico: the local picture

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

Population: 332 — Rico ranks 212th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is positive, near 13.7%.
People gained or lost: about 40 more since the 2020 base.
Size percentile: Rico's 332 people outrank roughly 21% of the places in Colorado.
Land and density: 0.7 square miles of land carry roughly 490 residents per square mile.
Land area rank: Rico's 0.7 square miles rank 189th of 270 places in Colorado.
Share of Colorado: Rico holds about 0.0% of the state's population, some 332 people.
National rank: Rico is the 14,773rd most populous of the 19,457 Census places covered here.
Growth rank: Rico's 2020-to-2023 change ranks 21st of 270 places in Colorado.
Against the state trend: Rico's 13.7% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Rico is the 215th most densely settled place in Colorado.
Density in context: Rico's 490 people per square mile sit against a Colorado median of 1,126.
Location: mapped by the US Census Bureau at 37.6891, -108.0317.
Nearest larger cities: Mountain Village (19 mi); Telluride (21 mi); Silverton (22 mi); Mancos (28 mi); Dolores (30 mi). For most borrowers the comparison happens online, not at a branch.
Smaller communities within reach: Ophir (16 mi); Sawpit (21 mi); City of Creede (61 mi).
Smaller places within 50 miles: 2 of them.
Within 100 miles: 38 places are larger than Rico.

Rico's place among Colorado's 270 places

Rico is the 212th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Rico stands 21st among Colorado's 270 places — roughly the 92th percentile. By density, at about 490 people per square mile, it ranks 215th in Colorado. Within 50 miles sit 2 smaller Census places, alongside the 16 that are larger.

How a Rico personal loan is priced

Most loans made to Rico's 332 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Rico loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Rico loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Rico

With about 490 residents per square mile, Rico is lightly settled, and 16 larger Census places sit within 50 miles. What is available to Rico's 332 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Mountain Village, CO about 19 miles away.

Land, water and location for Rico

Inside Rico's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 490 people per square mile. Denver, the largest place in Colorado, is about 222 miles from Rico. Within 50 miles of Rico there are 16 larger Census places. The 100-mile radius contains 38 larger places.

Colorado rules behind a Rico personal loan

The rows below set out what a licensed lender must follow in Colorado, and so for Rico's roughly 332 residents.

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

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Common questions

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

What loan size can I expect in Rico?

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 Rico?

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 Rico 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

Ophir, CO — population 190
Mountain Village, CO — population 1,230
Sawpit, CO — population 35
Telluride, CO — population 2,525
Silverton, CO — population 713
Mancos, CO — population 1,248
Durango, CO — population 19,534
Ouray, CO — population 920