Personal loans in Rockvale, CO
The roughly 533 people who live in Rockvale borrow under Colorado rules; city hall sets no personal-loan rate. Rockvale ranks 188th of 270 places in Colorado, with a population near 533.
Read the disclosure for an origination fee and any prepayment penalty before signing in Rockvale. Rockvale gained roughly 4.3% in population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Rockvale's 533 residents. The next larger city is Williamsburg, CO about 1 miles away.
The Rockvale data picture
Set out below is Rockvale's local context next to the state-level rules that reach every lender here.
- Population: 533 residents; Rockvale is the 188th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 4.3% between 2020 and 2023.
- Absolute change: 22 residents added between 2020 and 2023.
- Size percentile: roughly 30% of Colorado places rank below Rockvale.
- Land and density: 2.1 square miles of land carry roughly 260 residents per square mile.
- Land area rank: Rockvale's 2.1 square miles rank 125th of 270 places in Colorado.
- Within Colorado: about 0.0% of the state's population lives in Rockvale.
- National standing: Rockvale ranks 12,908th of 19,457 US places.
- Growth in Colorado: Rockvale stands 51st by percentage change from 2020 to 2023, among 270 places.
- Against the state trend: Rockvale's 4.3% change compares with a Colorado average of +2.3% across its 270 places.
- Density rank: Rockvale is the 244th most densely settled place in Colorado.
- Density vs Colorado: Rockvale's 260 people per square mile compare with a state median of 1,126.
- Location: coordinates 38.3644, -105.1645 (US Census Bureau Gazetteer).
- Nearest larger cities: Williamsburg (1 mi); Florence (4 mi); Cañon City (6 mi); Silver Cliff (21 mi); Cripple Creek (26 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Coal Creek (1 mi); Brookside (4 mi); Westcliffe (23 mi), each with its own Census population profile.
- Smaller places within 50 miles: 8 of them.
- At 100 miles: 65 larger Census places fall inside that radius.
Rockvale: area, density and distance
Rockvale's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 260 people per square mile. Denver, the largest place in Colorado, is about 98 miles from Rockvale. Counting outward 50 miles, 12 larger communities surround Rockvale. The 100-mile radius contains 65 larger places.
Before you apply in Rockvale
Before you apply in Rockvale, a community of about 533, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Colorado licence with the regulator named above before committing.
- 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 Rockvale-specific: the same Colorado licensing and disclosure rules reach all 533 residents.
Which Colorado laws govern a loan in Rockvale
Read the table as a lender's compliance picture for Rockvale: 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 |
| 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 |
Rockvale in state context
Rockvale is the 188th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 51st of 270 Colorado places, putting it near the 81th percentile for growth. Its roughly 260 residents per square mile place it 244th among Colorado's places. Within 50 miles sit 8 smaller Census places, alongside the 12 that are larger.
How lenders reach Rockvale
Rockvale is a lightly settled community of about 533 people, with 12 larger places inside a 50-mile radius. Whether Rockvale has a local branch or not, a Colorado-licensed lender can serve its 533 people online on the same terms. The nearest bigger place is Williamsburg, CO about 1 miles away.
Common questions
What are my options in Rockvale if my credit is poor?
What loan size can I expect in Rockvale?
Do I have to pledge anything to borrow in Rockvale?
Does comparing loans in Rockvale cost me credit score points?
Nearby places
- Williamsburg, CO — population 765
- Coal Creek, CO — population 367
- Brookside, CO — population 243
- Florence, CO — population 3,862
- Cañon City, CO — population 17,241
- Silver Cliff, CO — population 707
- Victor, CO — population 364
- Westcliffe, CO — population 495