Personal loans in Silverton, CO

Silverton is a small community of about 713 residents, and a personal loan taken out here is governed by Colorado statute. Which products a lender may offer to Silverton's 713 residents follows from the Colorado consumer-lending framework.

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

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Roughly 713 residents live in Silverton, the 174th-largest community in Colorado. Pull your credit reports and line up at least three offers before you apply from Silverton. The trend for Silverton between 2020 and 2023 is upward by roughly 14.3%. The next larger city is Telluride, CO about 12 miles away.

Silverton: the sourced local profile

What follows is Silverton's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

Population: 713 — Silverton ranks 174th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 14.3% between 2020 and 2023.
Net change: roughly 89 more people than the 2020 Census counted.
Size percentile: roughly 36% of Colorado's places have fewer residents than Silverton's 713.
Population density: about 854 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Silverton ranks 176th among Colorado's 270 places, at 0.8 sq mi.
Share of state population: Silverton's 713 residents are about 0.0% of Colorado.
National rank: Silverton is the 11,724th most populous of the 19,457 Census places covered here.
Growth rank: Silverton ranks 20th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Silverton's 14.3% change compares with a Colorado average of +2.3% across its 270 places.
Density rank: Silverton is the 166th most densely settled place in Colorado.
Density vs Colorado: Silverton's 854 people per square mile compare with a state median of 1,126.
Location: 37.8109, -107.6647 (Census Gazetteer coordinates).
Nearest larger cities: Telluride (12 mi); Mountain Village (13 mi); Ouray (15 mi); Ridgway (24 mi); Durango (39 mi). Living near a larger metro rarely changes what is available in Silverton.
Smaller communities within reach: Ophir (10 mi); Rico (22 mi); Sawpit (22 mi).
Smaller neighbours: 6 places smaller than Silverton sit within 50 miles.
Within 100 miles: 31 places are larger than Silverton.

Before you apply in Silverton

Complete these steps first when you borrow in Silverton (713 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
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.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Silverton-specific: the same Colorado licensing and disclosure rules reach all 713 residents.

Silverton against the rest of Colorado

Set beside Colorado's 270 places, Silverton ranks 174th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Silverton ranks 20th of 270 in Colorado (about the 93th percentile). At about 854 people per square mile, Silverton is the 166th most densely settled place in Colorado. In land area, Silverton ranks 176th among Colorado's 270 places.

How Colorado law applies in Silverton

This table holds the Colorado rate and licensing rules for consumer loans made to Silverton's 713 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

Where Silverton sits

Silverton's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 854 people per square mile. Denver, the largest place in Colorado, is about 202 miles from Silverton. Within 50 miles of Silverton there are 9 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Inside a Silverton personal loan

A Silverton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 713 residents. The APR tracks your credit score rather than Silverton's rank of 174th in Colorado: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Silverton loan but raises total interest, so the smallest payment is not the cheapest loan.

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Common questions

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

What loan size can I expect in Silverton?

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 Silverton?

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 Silverton 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
Telluride, CO — population 2,525
Ouray, CO — population 920
Mountain Village, CO — population 1,230
Ridgway, CO — population 1,247
Sawpit, CO — population 35
Rico, CO — population 332
Lake City, CO — population 425