Personal loans in Vona, CO

In Vona, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. Compare APR, not the interest rate, because the APR folds in most fees on a Vona loan.

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

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.

At about 90 residents, Vona is larger than roughly 5% of the places in Colorado. Consumer lending that reaches Vona's 90 residents is governed by Colorado statute; no city ordinance changes it. Population in Vona dropped about 2.2% over the three years from 2020 to 2023. The closest larger city is Seibert, CO about 7 miles away.

Vona by the numbers

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

Colorado rules behind a Vona personal loan

Read the table as a lender's compliance picture for Vona: the rule, the sourced figure, the publisher and the date.

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
Small-loan / installment lender licensingSupervised 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

Vona's place among Colorado's 270 places

Within Colorado, Vona holds roughly 0.0% of all residents, the 257th-largest share among 270 places. Its 2020-to-2023 change ranks 191st of 270 Colorado places, putting it near the 29th percentile for growth. Its roughly 407 residents per square mile place it 226th among Colorado's places. Between 2020 and 2023 the count changed by roughly 2 residents.

Vona on the map

Inside Vona's boundaries lie about 0.2 square miles of land, with no significant water area recorded. The resulting density is about 407 people per square mile. The largest place in Colorado, Denver, lies about 118 miles away. A 50-mile radius around Vona takes in 11 places that are larger. By land area it ranks 252nd of 270 Colorado places.

Borrowing reach in Vona

At roughly 407 people per square mile, Vona is lightly settled; 11 larger places lie within 50 miles. A Colorado licence lets a lender serve Vona without a local office, so branch density does not change what its 90 residents are offered. The nearest bigger place is Seibert, CO about 7 miles away.

Inside a Vona personal loan

In Vona, a small community of about 90, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Vona's 90 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Vona loan but raises total interest, so the smallest payment is not the cheapest loan.

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

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