Personal loans in Romeo, CO

Romeo added about 2.3% to its population between the 2020 base and the 2023 estimate. Romeo, Colorado — home to about 307 people — is a small community, so the terms you are offered follow Colorado law rather than any local rule.

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

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Romeo is home to roughly 307 people and stands 218th by size out of 270 Census places in Colorado. For a bigger market, look to Manassa, CO about 3 miles away. For the 307 people in Romeo, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Romeo's 307 residents.

Romeo by the numbers

Set out below is Romeo's local context next to the state-level rules that reach every lender here.

Population: 307 people, a figure that places Romeo 218th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Growth of about 2.3% across the 2020-to-2023 comparison.
Net change: roughly 7 more people than the 2020 Census counted.
Size percentile: roughly 19% of Colorado's places have fewer residents than Romeo's 307.
Density: roughly 1,318 residents per square mile, spread over 0.2 sq mi of land.
Land area: Romeo covers 0.2 square miles, the 248th-largest area among Colorado's 270 places.
Share of Colorado: Romeo holds about 0.0% of the state's population, some 307 people.
National rank: Romeo sits 15,046th by population among the 19,457 places in this dataset.
Growth in Colorado: Romeo stands 76th by percentage change from 2020 to 2023, among 270 places.
Against the state trend: Romeo's 2.3% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Romeo ranks 102nd by people per square mile.
Against the state median: Romeo runs about 1,318 residents per square mile, where the Colorado median is 1,126.
Location: latitude 37.1718, longitude -105.9854 (Census Gazetteer).
Nearest larger cities: Manassa (3 mi); Antonito (7 mi); La Jara (7 mi); Sanford (8 mi); Alamosa (22 mi). For most borrowers the comparison happens online, not at a branch.
Smaller towns nearby: Hooper (40 mi); Taos Ski Valley (50 mi); Moffat (58 mi).
Smaller neighbours: 1 places smaller than Romeo sit within 50 miles.
Larger places within 100 miles: 40.

Steps to take before a Romeo loan

Before you hand your details to a lender in Romeo, where the population is near 307:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Make sure the lender appears in the Colorado regulator's licence list.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.

What differs between Romeo and the rest of Colorado is not the process but the borrower's own file, among the 307 people here.

Where Romeo sits in Colorado

Romeo is the 218th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Romeo stands 76th among Colorado's 270 places — roughly the 72th percentile. By density, at about 1,318 people per square mile, it ranks 102nd in Colorado. The population moved by about 7 people between 2020 and 2023, a 2.3% shift.

What is available to Romeo borrowers

Romeo is a moderately settled community of about 307 people, with 14 larger places inside a 50-mile radius. A Colorado licence lets a lender serve Romeo without a local office, so branch density does not change what its 307 residents are offered. The nearest bigger place is Manassa, CO about 3 miles away.

Romeo: area, density and distance

Inside Romeo's boundaries lie about 0.2 square miles of land, with no significant water area recorded. Spread across it are roughly 1,318 residents per square mile. The largest place in Colorado, Denver, lies about 189 miles away. Counting outward 50 miles, 14 larger communities surround Romeo. The 100-mile radius contains 40 larger places.

The Colorado lending rules that reach Romeo

Colorado has no separate rate rule for Romeo; the sourced rows below are what reach every lender that serves its 307 people.

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
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
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

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Common questions

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

What loan size can I expect in Romeo?

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 Romeo?

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 Romeo 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

Manassa, CO — population 961
Antonito, CO — population 622
La Jara, CO — population 716
Sanford, CO — population 892
Alamosa, CO — population 9,883
Monte Vista, CO — population 4,070
Blanca, CO — population 336
San Luis, CO — population 622