Personal loans in Sugar City, CO

The Census estimates 245 residents in Sugar City, which ranks it 227th of 270 places in Colorado. In Sugar City, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate.

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.

The 2020 count to the 2023 estimate shows about 4.7% decline in Sugar City. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Sugar City loan. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Sugar City's 245 residents. The closest larger city is Ordway, CO about 5 miles away.

The Sugar City data picture

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

Which Colorado laws govern a loan in Sugar City

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Sugar City lender must follow.

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

What is available to Sugar City borrowers

Sugar City is a moderately settled community of about 245 people, with 9 larger places inside a 50-mile radius. Whether Sugar City has a local branch or not, a Colorado-licensed lender can serve its 245 people online on the same terms. The nearest larger city, Ordway, CO about 5 miles away.

Sugar City's place among Colorado's 270 places

Set beside Colorado's 270 places, Sugar City ranks 227th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Sugar City stands 247th among Colorado's 270 places — roughly the 9th percentile. Its roughly 636 residents per square mile place it 199th among Colorado's places. In land area, Sugar City ranks 219th among Colorado's 270 places.

What a Sugar City borrower is actually offered

A Sugar City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 245 residents. Because pricing is borrower-level, two people in Sugar City can be quoted different APRs on the same amount and term. Shortening the term on a Sugar City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Sugar City on the map

Inside Sugar City's boundaries lie about 0.4 square miles of land, with no significant water area recorded. With 245 residents, the land area yields roughly 636 people per square mile. The largest place in Colorado, Denver, lies about 124 miles away. Within 50 miles of Sugar City there are 9 larger Census places. The 100-mile radius contains 48 larger places.

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 Sugar City 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 Sugar City is the same as anywhere in Colorado.
What loan size can I expect in Sugar City?
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 Sugar City?
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 Sugar City 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

Related