Personal loans in Stratton, CO

Stratton shed about 2.0% of its population between the 2020 base and the 2023 estimate. For a borrower among the roughly 646 residents of Stratton, a personal loan is a tool whose cost turns on the terms, not the address.

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

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Stratton ranks 178th of 270 places in Colorado, with a population near 646. The closest larger city is Burlington, CO about 18 miles away. Every figure below is Colorado's own, applied to Stratton's 646 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Stratton.

Where Stratton stands

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

Population: about 646 people live here, which puts Stratton 178th of 270 Census places in Colorado (Vintage 2023).
Population trend: A decline of about 2.0% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
Size percentile: Stratton sits ahead of around 34% of Colorado places, at 646 people.
Population density: about 1,257 people per square mile (Census land area 0.5 sq mi).
By land area: Stratton ranks 204th among Colorado's 270 places, at 0.5 sq mi.
Share of Colorado: Stratton holds about 0.0% of the state's population, some 646 people.
National rank: Stratton is 12,130th of 19,457 places nationwide.
Growth rank: Stratton's 2020-to-2023 change ranks 182nd of 270 places in Colorado.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Stratton's 2.0%.
Density rank: Stratton places 115th among Colorado's places by people per square mile.
Density vs Colorado: Stratton's 1,257 people per square mile compare with a state median of 1,126.
Location: coordinates 39.3029, -102.6035 (US Census Bureau Gazetteer).
Nearest larger cities: Burlington (18 mi); Cheyenne Wells (36 mi); Goodland (48 mi); Hugo (48 mi); St. Francis (54 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Vona (7 mi); Bethune (10 mi); Seibert (14 mi).
Smaller places within 50 miles: 8 of them.
Within 100 miles: 30 places are larger than Stratton.

How Colorado law applies in Stratton

When Colorado does not publish a figure, the row links to the source instead of inventing a number; Stratton is bound by the same rules.

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

Stratton in state context

Against Colorado's other places, Stratton accounts for about 0.0% of the state's population and ranks 178th of 270 by size. On the 2020-to-2023 trend, Stratton stands 182nd among Colorado's 270 places — roughly the 33th percentile. At about 1,257 people per square mile, Stratton is the 115th most densely settled place in Colorado. In land area, Stratton ranks 204th among Colorado's 270 places.

Getting a loan in Stratton

At roughly 1,257 people per square mile, Stratton is moderately settled; 4 larger places lie within 50 miles. A Colorado licence lets a lender serve Stratton without a local office, so branch density does not change what its 646 residents are offered. For a larger market, the closest option is Burlington, CO about 18 miles away.

Where Stratton sits

Stratton's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,257 people per square mile. The largest place in Colorado, Denver, lies about 125 miles away. Stratton has 4 larger places within a 50-mile radius. Within the same 50 miles lie 8 smaller Census places.

A pre-application checklist for Stratton

Before you apply in Stratton, a community of about 646, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Confirm the Colorado licence with the regulator named above before committing.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.
Pick the shortest term whose payment you can comfortably afford.

The process is identical across Colorado; what changes is your credit file, not the fact that Stratton holds 646 people.

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Common questions

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

What loan size can I expect in Stratton?

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 Stratton?

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 Stratton 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

Vona, CO — population 90
Bethune, CO — population 181
Seibert, CO — population 176
Burlington, CO — population 3,128
Flagler, CO — population 573
Cheyenne Wells, CO — population 722
Kanorado, KS — population 150
Kit Carson, CO — population 250