Personal loans in Ward, CO

Lenders active in Ward report to a Colorado supervisor, identified in the sourced rows below. For a borrower among the roughly 126 residents of Ward, 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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About 126 people live in Ward, placing it 249th of 270 Census places in Colorado. The 2020 count to the 2023 estimate shows about 2.3% decline in Ward. Verify the lender's Colorado licence against the regulator named below before borrowing in Ward. The nearest larger metro is Jamestown, CO about 7 miles away.

Ward by the numbers

Most of what governs a Ward loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.

Population: 126 — Ward ranks 249th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: A decline of about 2.3% across the 2020-to-2023 comparison.
Absolute change: 3 residents lost between 2020 and 2023.
Size percentile: bigger than about 8% of the places in Colorado, with 126 residents in Ward.
Density: the Census land area of 0.5 sq mi holds about 235 people per square mile.
Land area: Ward covers 0.5 square miles, the 203rd-largest area among Colorado's 270 places.
State population share: Ward accounts for about 0.0% of everyone in Colorado.
National rank: Ward is the 17,676th most populous of the 19,457 Census places covered here.
Growth in Colorado: Ward stands 197th by percentage change from 2020 to 2023, among 270 places.
Versus Colorado: the state average change is +2.3%, while Ward moved 2.3%.
Density rank: Ward is the 247th most densely settled place in Colorado.
Density vs Colorado: Ward's 235 people per square mile compare with a state median of 1,126.
Location: it lies at 40.0730, -105.5148 in the Census Gazetteer.
Nearest larger cities: Jamestown (7 mi); Nederland (8 mi); Boulder (14 mi); Lyons (17 mi); Fraser (19 mi). Lenders licensed in the state serve Ward whether or not they keep a local branch.
Smaller places close by: Lakeside (32 mi); Montezuma (39 mi); Raymer (New Raymer) (95 mi).
Within a 50-mile radius: 2 smaller Census places.
Larger places within 100 miles: 125.

What a Ward borrower is actually offered

Ward is a small community of about 126 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Ward can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ward loan is knowable in advance — unlike a revolving card balance.

The geography behind Ward

The Census Gazetteer records about 0.5 square miles of land within Ward, with no significant water area listed. With 126 residents, the land area yields roughly 235 people per square mile. The state's population centre of gravity, Denver, is roughly 40 miles away. A 50-mile radius around Ward takes in 72 places that are larger. By land area it ranks 203rd of 270 Colorado places.

What Colorado law requires in Ward

Colorado has no separate rate rule for Ward; the sourced rows below are what reach every lender that serves its 126 people.

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

A practical checklist for Ward borrowers

Before you apply in Ward, a community of about 126, work through these steps:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the Colorado regulator's licence list.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Ward and the rest of Colorado is not the process but the borrower's own file, among the 126 people here.

Ward against the rest of Colorado

Against Colorado's other places, Ward accounts for about 0.0% of the state's population and ranks 249th of 270 by size. For population change between 2020 and 2023, Ward ranks 197th of 270 in Colorado (about the 27th percentile). By density, at about 235 people per square mile, it ranks 247th in Colorado. By land area, its 0.5 square miles rank 203rd of 270 places in Colorado.

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Common questions

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

What loan size can I expect in Ward?

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 Ward?

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 Ward 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

Nederland, CO — population 1,488
Jamestown, CO — population 245
Boulder, CO — population 105,898
Black Hawk, CO — population 128
Central, CO — population 778
Lyons, CO — population 2,151
Estes Park, CO — population 5,824
Idaho Springs, CO — population 1,708