Personal loans in Winter Park, CO

A personal loan in Winter Park is priced from your credit file and income, not from the fact that the city holds 1,149 people. Winter Park ranks 144th of 270 places in Colorado, with a population near 1,149.

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

Compare loan offers Run the numbers first

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For a bigger market, look to Fraser, CO about 3 miles away. Population in Winter Park climbed about 10.9% over the three years from 2020 to 2023. Which products a lender may offer to Winter Park's 1,149 residents follows from the Colorado consumer-lending framework. Decide the purpose of the loan and your repayment plan before sharing any details with a Winter Park lender.

Winter Park by the numbers

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

Population: a Census-estimated 1,149, 144th among Colorado's 270 places (Vintage 2023).
Population trend: A gain of roughly 10.9% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 113 residents.
Size percentile: roughly 47% of Colorado's places have fewer residents than Winter Park's 1,149.
Density: roughly 68 residents per square mile, spread over 17.0 sq mi of land.
Land area: Winter Park covers 17.0 square miles, the 27th-largest area among Colorado's 270 places.
Within Colorado: about 0.0% of the state's population lives in Winter Park.
National rank: Winter Park is the 9,712th most populous of the 19,457 Census places covered here.
Growth in Colorado: Winter Park stands 28th by percentage change from 2020 to 2023, among 270 places.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Winter Park's 10.9%.
Density in Colorado: Winter Park ranks 267th by people per square mile.
Density in context: Winter Park's 68 people per square mile sit against a Colorado median of 1,126.
Location: coordinates 39.8787, -105.7829 (US Census Bureau Gazetteer).
Nearest larger cities: Fraser (3 mi); Georgetown (12 mi); Granby (15 mi); Nederland (16 mi); Idaho Springs (17 mi). Lenders licensed in the state serve Winter Park whether or not they keep a local branch.
Smaller communities close by: Empire (10 mi); Silver Plume (13 mi); Central (16 mi), each with its own Census population profile.
Smaller places within 50 miles: 19 of them.
Within 100 miles: 94 places are larger than Winter Park.

Land, water and location for Winter Park

The Census Gazetteer records about 17.0 square miles of land within Winter Park, with no significant water area listed. The resulting density is about 68 people per square mile. The state's population centre of gravity, Denver, is roughly 49 miles away. A 50-mile radius around Winter Park takes in 41 places that are larger. By land area it ranks 27th of 270 Colorado places.

What shapes a Winter Park personal loan

With roughly 1,149 residents, Winter Park is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Winter Park. Shortening the term on a Winter Park loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Winter Park

These steps shape the offer you get in Winter Park, a place of about 1,149 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Shop at least three lenders and judge them on APR and total cost.
Confirm the lender holds a Colorado licence by checking the regulator named above.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.
Pick the shortest term whose payment you can comfortably afford.

What differs between Winter Park and the rest of Colorado is not the process but the borrower's own file, among the 1,149 people here.

Winter Park in state context

Against Colorado's other places, Winter Park accounts for about 0.0% of the state's population and ranks 144th of 270 by size. Its 2020-to-2023 change ranks 28th of 270 Colorado places, putting it near the 90th percentile for growth. By density, at about 68 people per square mile, it ranks 267th in Colorado. The population moved by about 113 people between 2020 and 2023, a 10.9% shift.

The state rulebook for Winter Park

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

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

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Common questions

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

What loan size can I expect in Winter Park?

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 Winter Park?

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 Winter Park 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

Fraser, CO — population 1,456
Empire, CO — population 327
Georgetown, CO — population 1,257
Silver Plume, CO — population 194
Granby, CO — population 2,256
Central, CO — population 778
Nederland, CO — population 1,488
Black Hawk, CO — population 128