Personal loans in South Fork, CO

Personal loans in South Fork are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 507 population. Read the disclosure for an origination fee and any prepayment penalty before signing in South Fork. South Fork is home to roughly 507 people and stands 195th by size out of 270 Census places in Colorado. Every figure below is Colorado's own, applied to South Fork's 507 residents, with the publisher and retrieval date attached. The 2020 count to the 2023 estimate shows about 1.2% decline in South Fork. The nearest larger metro is Del Norte, CO about 16 miles away.

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

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South Fork by the numbers

Most of what governs a South Fork loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

Population: an estimated 507 residents, 195th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: A decline of about 1.2% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
Size percentile: bigger than about 28% of the places in Colorado, with 507 residents in South Fork.
Population density: about 199 people per square mile across 2.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: South Fork covers 2.5 square miles, the 111th-largest area among Colorado's 270 places.
Share of state population: South Fork's 507 residents are about 0.0% of Colorado.
Nationally: South Fork is the 13,113th-largest of 19,457 Census places in the dataset.
Growth rank: South Fork's 2020-to-2023 change ranks 152nd of 270 places in Colorado.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against South Fork's 1.2%.
Density in Colorado: South Fork ranks 251st by people per square mile.
Against the state median: South Fork runs about 199 residents per square mile, where the Colorado median is 1,126.
Location: 37.6692, -106.6429 (US Census Bureau Gazetteer).
Nearest larger cities: Del Norte (16 mi); Monte Vista (28 mi); Center (30 mi); Pagosa Springs (34 mi); Saguache (40 mi). Online lenders reach South Fork no matter how far the nearest branch is.
Smaller towns nearby: City of Creede (20 mi); Hooper (42 mi); Lake City (44 mi).
Smaller places within 50 miles: 5 of them.
At 100 miles: 42 larger Census places fall inside that radius.

Which Colorado laws govern a loan in South Fork

Below are the Colorado rules that apply to a loan made in South Fork, each with the regulator that issued it.

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

South Fork's place among Colorado's 270 places

Against Colorado's other places, South Fork accounts for about 0.0% of the state's population and ranks 195th of 270 by size. On the 2020-to-2023 trend, South Fork stands 152nd among Colorado's 270 places — roughly the 44th percentile. Its roughly 199 residents per square mile place it 251st among Colorado's places. Within 50 miles sit 5 smaller Census places, alongside the 8 that are larger.

How personal loans work in South Fork

In South Fork, a small community of about 507, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in South Fork can be quoted different APRs on the same amount and term. Shortening the term on a South Fork loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in South Fork

South Fork is a lightly settled community of about 507 people, with 8 larger places inside a 50-mile radius. Whether South Fork has a local branch or not, a Colorado-licensed lender can serve its 507 people online on the same terms. The nearest bigger place is Del Norte, CO about 16 miles away.

The South Fork borrowing checklist

Before you hand your details to a lender in South Fork, where the population is near 507:

Pull your credit reports first and correct any error before a lender sees the file.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Collect three or more offers and compare them on APR, not on the advertised rate.
Confirm the Colorado licence with the regulator named above before committing.
Borrow only what the purpose requires, not the maximum you are offered.
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.

The process is identical across Colorado; what changes is your credit file, not the fact that South Fork holds 507 people.

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Common questions

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

What loan size can I expect in South Fork?

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 South Fork?

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 South Fork 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

Del Norte, CO — population 1,413
City of Creede, CO — population 278
Monte Vista, CO — population 4,070
Center, CO — population 1,924
Pagosa Springs, CO — population 1,773
Saguache, CO — population 533
Lake City, CO — population 425
Hooper, CO — population 79