Personal loans in Starkville, CO

Lenders active in Starkville report to a Colorado supervisor, identified in the sourced rows below. Personal loans in Starkville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 65 population.

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

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With 65 residents, Starkville outranks about 3% of the communities in Colorado. Starkville shed about 1.5% of its population between the 2020 base and the 2023 estimate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Starkville loan. For a bigger market, look to Trinidad, CO about 4 miles away.

Starkville: the sourced local profile

The figures below are Starkville's own — Census population, land area and coordinates — followed by the Colorado rules.

Population: an estimated 65 residents, 262nd of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: Roughly 1.5% fewer residents than the 2020 Census counted.
Net change: roughly 1 fewer people than the 2020 Census counted.
Size percentile: about 3% of Colorado communities are smaller than Starkville (65 residents).
Density: the Census land area of 0.1 sq mi holds about 890 people per square mile.
Land area: Starkville covers 0.1 square miles, the 269th-largest area among Colorado's 270 places.
Share of Colorado: Starkville holds about 0.0% of the state's population, some 65 people.
Nationally: Starkville is the 18,750th-largest of 19,457 Census places in the dataset.
Growth rank: Starkville's 2020-to-2023 change ranks 169th of 270 places in Colorado.
Against the state trend: Starkville's 1.5% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Starkville ranks 157th by people per square mile.
Against the state median: Starkville runs about 890 residents per square mile, where the Colorado median is 1,126.
Location: mapped by the US Census Bureau at 37.1168, -104.5233.
Nearest larger cities: Trinidad (4 mi); Cokedale (6 mi); Raton (17 mi); Aguilar (21 mi); La Veta (38 mi). Living near a larger metro rarely changes what is available in Starkville.
Smaller communities within reach: Branson (36 mi); Folsom (38 mi); Grenville (62 mi).
Smaller neighbours: 2 places smaller than Starkville sit within 50 miles.
Within 100 miles: 57 places are larger than Starkville.

What Colorado law requires in Starkville

Colorado has no separate rate rule for Starkville; the sourced rows below are what reach every lender that serves its 65 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
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
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

How a Starkville personal loan is priced

Starkville is a small community of about 65 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Starkville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Starkville loan is knowable in advance — unlike a revolving card balance.

What is available to Starkville borrowers

With about 890 residents per square mile, Starkville is moderately settled, and 10 larger Census places sit within 50 miles. What is available to Starkville's 65 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Trinidad, CO about 4 miles away.

Starkville: area, density and distance

Inside Starkville's boundaries lie about 0.1 square miles of land, with no significant water area recorded. The resulting density is about 890 people per square mile. The largest place in Colorado, Denver, lies about 184 miles away. Counting outward 50 miles, 10 larger communities surround Starkville. Within the same 50 miles lie 2 smaller Census places.

Starkville in state context

Set beside Colorado's 270 places, Starkville ranks 262nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Starkville ranks 169th of 270 in Colorado (about the 37th percentile). Its roughly 890 residents per square mile place it 157th among Colorado's places. Between 2020 and 2023 the count changed by roughly 1 residents.

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Common questions

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

What loan size can I expect in Starkville?

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 Starkville?

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 Starkville 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

Trinidad, CO — population 8,216
Cokedale, CO — population 127
Raton, NM — population 5,978
Aguilar, CO — population 449
Walsenburg, CO — population 3,085
Maxwell, NM — population 223
La Veta, CO — population 878
Branson, CO — population 57