Personal loans in Silver Plume, CO

A single loan can carry different costs on either side of a state line, and Silver Plume sits on the Colorado side of that line.

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.

A lender serving Silver Plume holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 194 residents. Silver Plume ranks 237th of 270 places in Colorado, with a population near 194. Silver Plume lost roughly 5.8% of its population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Silver Plume. A larger market lies at Georgetown, CO about 2 miles away.

Silver Plume: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Getting a loan in Silver Plume

At roughly 752 people per square mile, Silver Plume is moderately settled; 58 larger places lie within 50 miles. Lenders licensed in Colorado reach Silver Plume's 194 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Georgetown, CO about 2 miles away.

Colorado consumer-lending rules applied in Silver Plume

Read the table as a lender's compliance picture for Silver Plume: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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

Land, water and location for Silver Plume

The Census Gazetteer records about 0.3 square miles of land within Silver Plume, with no significant water area listed. With 194 residents, the land area yields roughly 752 people per square mile. For the state's biggest city, Denver, the distance is roughly 45 miles. Within 50 miles of Silver Plume there are 58 larger Census places. By land area it ranks 237th of 270 Colorado places.

Silver Plume's place among Colorado's 270 places

Against Colorado's other places, Silver Plume accounts for about 0.0% of the state's population and ranks 237th of 270 by size. On the 2020-to-2023 trend, Silver Plume stands 262nd among Colorado's 270 places — roughly the 3th percentile. By density, at about 752 people per square mile, it ranks 177th in Colorado. In land area, Silver Plume ranks 237th among Colorado's 270 places.

How a Silver Plume personal loan is priced

Silver Plume is a small community of about 194 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Silver Plume 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 Silver Plume loan is knowable in advance — unlike a revolving card balance.

Compare personal 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.

Common questions

What are my options in Silver Plume 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 Silver Plume is the same as anywhere in Colorado.
What loan size can I expect in Silver Plume?
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 Silver Plume?
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 Silver Plume 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.

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