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Personal loans in Avon, CO

State law, not city hall, decides what a lender may do to Avon's roughly 5,954 residents, and a state regulator supervises it. The Census counts 5,954 people in Avon, the 73rd-largest figure among Colorado's 270 places. In Avon, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. Avon shed about 1.8% of its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in Avon. The closest larger place is Eagle, CO about 16 miles away.

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

Compare loan offers Run the numbers first

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.

The Avon data picture

What follows is Avon's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

How Avon compares across Colorado

Among Colorado's 270 places, Avon sits at 73rd for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Avon ranks 175th of 270 in Colorado (about the 35th percentile). At about 716 people per square mile, Avon is the 183rd most densely settled place in Colorado. Between 2020 and 2023 the count changed by roughly 108 residents.

What is available to Avon borrowers

At roughly 716 people per square mile, Avon is moderately settled; 5 larger places lie within 50 miles. What is available to Avon's 5,954 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Eagle, CO about 16 miles away.

Land, water and location for Avon

Avon covers about 8.3 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 716 people per square mile. For the state's biggest city, Denver, the distance is roughly 87 miles. A 50-mile radius around Avon takes in 5 places that are larger. The 100-mile radius contains 50 larger places.

What Colorado law requires in Avon

This table holds the Colorado rate and licensing rules for consumer loans made to Avon's 5,954 residents.

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
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 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

Steps to take before a Avon loan

Before you apply in Avon, a community of about 5,954, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Colorado regulator's records to confirm the lender is licensed here.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Test the payment against your current bills before you commit.
  7. Weigh a shorter term's higher payment against the interest it saves.

In Avon as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 5,954 residents.

Compare personal loan offers Run the numbers first

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