Personal loans in Severance, CO

Severance is a small town in Colorado, with an estimated 10,820 residents, and every licensed lender here follows the same state rulebook. Severance is one of 270 Census places in Colorado; its 10,820 residents put it at 50th.

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

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A 2020-to-2023 comparison shows Severance up by about 40.6%. Consumer lending that reaches Severance's 10,820 residents is governed by Colorado statute; no city ordinance changes it. If debt is already a strain, a nonprofit credit counsellor can help Severance residents before they take on more. The closest larger city is Windsor, CO about 3 miles away.

The Severance data picture

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

Population: the Census counts 10,820 residents in Severance (Vintage 2023 subcounty estimate), the 50th-largest figure among Colorado's 270 places.
Population trend: The 2020-to-2023 change is positive, near 40.6%.
People gained or lost: about 3,125 more since the 2020 base.
Size percentile: roughly 81% of Colorado's places have fewer residents than Severance's 10,820.
Population density: about 839 people per square mile (Census land area 12.9 sq mi).
Land area: Severance covers 12.9 square miles, the 37th-largest area among Colorado's 270 places.
Water: Severance holds about 0.21 square miles, the 27th-largest water area in Colorado.
State population share: Severance accounts for about 0.2% of everyone in Colorado.
National rank: Severance sits 2,977th by population among the 19,457 places in this dataset.
Growth rank: Severance ranks 6th among Colorado's 270 places for the 2020-to-2023 change.
Versus Colorado: the state average change is +2.3%, while Severance moved 40.6%.
Density rank: Severance places 169th among Colorado's places by people per square mile.
Against the state median: Severance runs about 839 residents per square mile, where the Colorado median is 1,126.
Location: mapped by the US Census Bureau at 40.5059, -104.8635.
Nearest larger cities: Windsor (3 mi); Greeley (8 mi); Fort Collins (11 mi); Loveland (12 mi); Evans (12 mi). Larger metros often have more branches, but online lenders reach Severance on the same terms.
Smaller places nearby: Timnath (6 mi); Eaton (8 mi); Ault (9 mi).
Within a 50-mile radius: 23 smaller Census places.
Larger places within 100 miles: 42.

How Severance compares across Colorado

Set beside Colorado's 270 places, Severance ranks 50th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Severance stands 6th among Colorado's 270 places — roughly the 98th percentile. At about 839 people per square mile, Severance is the 169th most densely settled place in Colorado. The population moved by about 3,125 people between 2020 and 2023, a 40.6% shift.

Colorado consumer-lending rules applied in Severance

The rows below set out what a licensed lender must follow in Colorado, and so for Severance's roughly 10,820 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
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
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

Getting a loan in Severance

At roughly 839 people per square mile, Severance is moderately settled; 25 larger places lie within 50 miles. Distance to a branch rarely matters for Severance's 10,820 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Windsor, CO about 3 miles away.

How a Severance personal loan is priced

Severance is a small town of about 10,820 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Severance's 10,820 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Severance loan but raises total interest, so the smallest payment is not the cheapest loan.

A pre-application checklist for Severance

These steps shape the offer you get in Severance, a place of about 10,820 people:

Pull your credit reports first and correct any error before a lender sees the file.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Confirm the lender holds a Colorado licence by checking the regulator named above.
Keep the amount to the expense; an approval is not a reason to take more.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Severance and the rest of Colorado is not the process but the borrower's own file, among the 10,820 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Severance?

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 Severance?

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 Severance 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

Windsor, CO — population 40,349
Timnath, CO — population 9,991
Greeley, CO — population 112,609
Ault, CO — population 2,666
Eaton, CO — population 5,832
Pierce, CO — population 1,080
Evans, CO — population 22,326
Milliken, CO — population 9,084