Personal loans in Woodland Park, CO

A personal loan in Woodland Park is priced from your credit file and income, not from the fact that the city holds 7,873 people. From the 2020 Census base to the 2023 estimate, the population declined by about 0.5%.

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

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With an estimated 7,873 residents, Woodland Park is the 63rd-largest of 270 places in Colorado. Read the disclosure for an origination fee and any prepayment penalty before signing in Woodland Park. Consumer lending that reaches Woodland Park's 7,873 residents is governed by Colorado statute; no city ordinance changes it. The nearest larger metro is Monument, CO about 13 miles away.

Borrowing in Woodland Park: the local picture

Set out below is Woodland Park's local context next to the state-level rules that reach every lender here.

Population: 7,873 residents; Woodland Park is the 63rd-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
Population trend: A drop of about 0.5% from 2020 to 2023.
People gained or lost: about 40 fewer since the 2020 base.
Size percentile: about 77% of Colorado's Census places are smaller than Woodland Park.
Population density: 1,191 people per square mile on 6.6 square miles of land.
By land area: Woodland Park ranks 66th among Colorado's 270 places, at 6.6 sq mi.
State share: roughly 0.2% of Colorado's residents live in Woodland Park (7,873 people).
Nationally: Woodland Park is the 3,719th-largest of 19,457 Census places in the dataset.
Growth rank: Woodland Park ranks 132nd among Colorado's 270 places for the 2020-to-2023 change.
Versus Colorado: the state average change is +2.3%, while Woodland Park moved 0.5%.
Density rank: Woodland Park is the 124th most densely settled place in Colorado.
Against the state median: Woodland Park runs about 1,191 residents per square mile, where the Colorado median is 1,126.
Location: mapped by the US Census Bureau at 38.9982, -105.0590.
Nearest larger cities: Monument (13 mi); Colorado Springs (18 mi); Castle Rock (28 mi); Fountain (30 mi); Castle Pines (34 mi). Living near a larger metro rarely changes what is available in Woodland Park.
Nearest smaller towns: Green Mountain Falls (5 mi); Palmer Lake (11 mi); Manitou Springs (12 mi).
Smaller neighbours: 22 places smaller than Woodland Park sit within 50 miles.
Within 100 miles: 42 places are larger than Woodland Park.

The Woodland Park borrowing checklist

Complete these steps first when you borrow in Woodland Park (7,873 residents):

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Shop at least three lenders and judge them on APR and total cost.
Make sure the lender appears in the Colorado regulator's licence list.
Borrow only what the purpose requires, not the maximum you are offered.
Decide the purpose and how you will repay it before approaching any lender.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Woodland Park-specific: the same Colorado licensing and disclosure rules reach all 7,873 residents.

Land, water and location for Woodland Park

The Census Gazetteer records about 6.6 square miles of land within Woodland Park, with no significant water area listed. That land carries about 1,191 people per square mile. The state's population centre of gravity, Denver, is roughly 54 miles away. Counting outward 50 miles, 13 larger communities surround Woodland Park. Within the same 50 miles lie 22 smaller Census places.

The state rulebook for Woodland Park

For the roughly 7,873 residents of Woodland Park, the rules below are Colorado's own; each row carries its publisher and retrieval date.

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

Borrowing reach in Woodland Park

Woodland Park is a moderately settled community of about 7,873 people, with 13 larger places inside a 50-mile radius. What is available to Woodland Park's 7,873 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Monument, CO about 13 miles away.

Woodland Park in state context

Within Colorado, Woodland Park holds roughly 0.2% of all residents, the 63rd-largest share among 270 places. On the 2020-to-2023 trend, Woodland Park stands 132nd among Colorado's 270 places — roughly the 51th percentile. At about 1,191 people per square mile, Woodland Park is the 124th most densely settled place in Colorado. Between 2020 and 2023 the count changed by roughly 40 residents.

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Common questions

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

What loan size can I expect in Woodland 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 Woodland 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 Woodland 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

Green Mountain Falls, CO — population 609
Palmer Lake, CO — population 2,587
Manitou Springs, CO — population 4,622
Monument, CO — population 12,088
Cripple Creek, CO — population 1,117
Larkspur, CO — population 219
Victor, CO — population 364
Colorado Springs, CO — population 488,664