Personal loans in Arriba, CO

Arriba ranks 236th of 270 places in Colorado, with a population near 201. A lender serving Arriba holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 201 residents.

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

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Use the calculator on this page to price an amount and term before you commit in Arriba. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Arriba's 201 residents. Population in Arriba dropped about 1.5% over the three years from 2020 to 2023. The nearest larger metro is Flagler, CO about 11 miles away.

Arriba by the numbers

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

Population: a Census-estimated 201, 236th among Colorado's 270 places (Vintage 2023).
Population trend: Lower by roughly 1.5% since the 2020 count.
Net change: roughly 3 fewer people than the 2020 Census counted.
Size percentile: Arriba sits ahead of around 13% of Colorado places, at 201 people.
Density: the Census land area of 0.5 sq mi holds about 403 people per square mile.
By land area: Arriba ranks 206th among Colorado's 270 places, at 0.5 sq mi.
State population share: Arriba accounts for about 0.0% of everyone in Colorado.
National rank: Arriba sits 16,477th by population among the 19,457 places in this dataset.
Growth in Colorado: Arriba stands 166th by percentage change from 2020 to 2023, among 270 places.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Arriba's 1.5%.
Density in Colorado: Arriba ranks 227th by people per square mile.
Against the state median: Arriba runs about 403 residents per square mile, where the Colorado median is 1,126.
Location: 39.2843, -103.2740 (Census Gazetteer coordinates).
Nearest larger cities: Flagler (11 mi); Hugo (15 mi); Limon (22 mi); Stratton (36 mi); Kit Carson (44 mi). Online lenders reach Arriba no matter how far the nearest branch is.
Nearest smaller places: Genoa (12 mi); Seibert (22 mi); Vona (28 mi).
Smaller places within 50 miles: 5 of them.
Larger places within 100 miles: 78.

A practical checklist for Arriba borrowers

Complete these steps first when you borrow in Arriba (201 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Look the lender up in the Colorado regulator's licence records before you sign.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.

In Arriba as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 201 residents.

Land, water and location for Arriba

The Census Gazetteer records about 0.5 square miles of land within Arriba, with no significant water area listed. The resulting density is about 403 people per square mile. The state's population centre of gravity, Denver, is roughly 92 miles away. Counting outward 50 miles, 7 larger communities surround Arriba. By land area it ranks 206th of 270 Colorado places.

What shapes a Arriba personal loan

Most loans made to Arriba's 201 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Arriba lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Arriba loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Arriba

Arriba is a lightly settled community of about 201 people, with 7 larger places inside a 50-mile radius. Distance to a branch rarely matters for Arriba's 201 residents: the application is online and the price follows your credit file. The nearest larger city, Flagler, CO about 11 miles away.

Colorado consumer-lending rules applied in Arriba

These are Colorado's sourced lending facts as they reach Arriba's 201 residents; the state has no city-level rate rule.

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
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
Payday lending status	Permitted 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

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Common questions

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

What loan size can I expect in Arriba?

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 Arriba?

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 Arriba 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

Flagler, CO — population 573
Genoa, CO — population 153
Hugo, CO — population 774
Seibert, CO — population 176
Limon, CO — population 2,002
Vona, CO — population 90
Stratton, CO — population 646
Kit Carson, CO — population 250