Personal loans in Walden, CO

A personal loan in Walden is priced from your credit file and income, not from the fact that the city holds 572 people. Begin with the payment, then weigh APR and total interest across the lenders that reach Walden's 572 residents.

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.

Walden is home to roughly 572 people and stands 187th by size out of 270 Census places in Colorado. Consumer lending that reaches Walden's 572 residents is governed by Colorado statute; no city ordinance changes it. Walden lost roughly 5.8% of its population across the 2020-to-2023 comparison. For a bigger market, look to Steamboat Springs, CO about 33 miles away.

Walden: population, trend and location

Walden is a small community; the notes below cover its population profile and the statewide rules that apply.

What is available to Walden borrowers

Walden is a moderately settled community of about 572 people, with 6 larger places inside a 50-mile radius. Distance to a branch rarely matters for Walden's 572 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Steamboat Springs, CO about 33 miles away.

How a Walden personal loan is priced

Walden is a small community of about 572 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Walden's 572 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Walden loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Walden on the map

The Census Gazetteer records about 0.3 square miles of land within Walden, with no significant water area listed. The resulting density is about 1,707 people per square mile. For the state's biggest city, Denver, the distance is roughly 100 miles. Within 50 miles of Walden there are 6 larger Census places. Within the same 50 miles lie 3 smaller Census places.

How Walden compares across Colorado

Walden is the 187th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. For population change between 2020 and 2023, Walden ranks 261st of 270 in Colorado (about the 3th percentile). By density, at about 1,707 people per square mile, it ranks 67th in Colorado. Between 2020 and 2023 the count changed by roughly 35 residents.

Colorado consumer-lending rules applied in Walden

Colorado has no separate rate rule for Walden; the sourced rows below are what reach every lender that serves its 572 people.

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
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
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

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