Personal loans in Vilas, CO

Which products a lender may offer to Vilas's 94 residents follows from the Colorado consumer-lending framework.

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

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If you are weighing a personal loan in Vilas, start from the payment you can carry; its 94 residents face the same statewide rules. Roughly 94 residents live in Vilas, the 256th-largest community in Colorado. Census figures put the 2020-to-2023 decrease in Vilas at about 6.0%. Decide the purpose of the loan and your repayment plan before sharing any details with a Vilas lender. The nearest larger city is Walsh, CO about 9 miles away.

Vilas by the numbers

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

Population: about 94 people live here, which puts Vilas 256th of 270 Census places in Colorado (Vintage 2023).
Population trend: Roughly 6.0% fewer residents than the 2020 Census counted.
Net change: roughly 6 fewer people than the 2020 Census counted.
Size percentile: Vilas's 94 people outrank roughly 5% of the places in Colorado.
Density: the Census land area of 0.1 sq mi holds about 734 people per square mile.
Land area rank: Vilas's 0.1 square miles rank 264th of 270 places in Colorado.
Share of Colorado: Vilas holds about 0.0% of the state's population, some 94 people.
Nationally: Vilas is the 18,239th-largest of 19,457 Census places in the dataset.
Growth rank: Vilas's 2020-to-2023 change ranks 267th of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Vilas moved 6.0%.
Density rank: Vilas is the 178th most densely settled place in Colorado.
Density vs Colorado: Vilas's 734 people per square mile compare with a state median of 1,126.
Location: it lies at 37.3737, -102.4474 in the Census Gazetteer.
Nearest larger cities: Walsh (9 mi); Springfield (10 mi); Campo (20 mi); Pritchett (23 mi); Manter (33 mi). Living near a larger metro rarely changes what is available in Vilas.
Smaller communities within reach: Two Buttes (13 mi); Richfield (37 mi); Kim (51 mi).
Smaller neighbours: 2 places smaller than Vilas sit within 50 miles.
Larger places within 100 miles: 56.

Inside a Vilas personal loan

In Vilas, a small community of about 94, 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 Vilas can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Vilas loan but raises total interest, so the smallest payment is not the cheapest loan.

The Colorado lending rules that reach Vilas

Below are the Colorado rules that apply to a loan made in Vilas, 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
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

Vilas on the map

Vilas's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 734 people per square mile. The largest place in Colorado, Denver, lies about 211 miles away. A 50-mile radius around Vilas takes in 12 places that are larger. The 100-mile radius contains 56 larger places.

Steps to take before a Vilas loan

For Vilas's roughly 94 residents, these are the steps that most influence the offer:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Test your amount and term in the personal loan calculator first.
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.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
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.

What differs between Vilas and the rest of Colorado is not the process but the borrower's own file, among the 94 people here.

Lender access in Vilas

Vilas is moderately settled, with about 734 people per square mile and 12 larger places within 50 miles. Whether Vilas has a local branch or not, a Colorado-licensed lender can serve its 94 people online on the same terms. The nearest bigger place is Walsh, CO about 9 miles away.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Vilas?

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 Vilas?

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 Vilas 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

Walsh, CO — population 512
Springfield, CO — population 1,290
Two Buttes, CO — population 32
Campo, CO — population 97
Pritchett, CO — population 108
Manter, KS — population 120
Keyes, OK — population 260
Boise City, OK — population 1,109