Personal loans in Bayfield, CO

Borrowing in Bayfield: the local picture

Two layers matter for a Bayfield borrower: the local population picture and Colorado's consumer-lending statutes.

• Population: about 2,872, ranked 99th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 1.3% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 38 residents.
• Size percentile: roughly 63% of Colorado's places have fewer residents than Bayfield's 2,872.
• Population density: about 1,425 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Bayfield covers 2.0 square miles, the 127th-largest area among Colorado's 270 places.
• Share of state population: Bayfield's 2,872 residents are about 0.1% of Colorado.
• National rank: Bayfield is the 6,408th most populous of the 19,457 Census places covered here.
• Growth in Colorado: Bayfield stands 95th by percentage change from 2020 to 2023, among 270 places.
• State comparison: Colorado's places average +2.3% for 2020-to-2023, against Bayfield's 1.3%.
• Density rank: Bayfield places 93rd among Colorado's places by people per square mile.
• Density in context: Bayfield's 1,425 people per square mile sit against a Colorado median of 1,126.
• Location: it lies at 37.2346, -107.5937 in the Census Gazetteer.
• Nearest larger cities: Durango (16 mi); Aztec (36 mi); Bloomfield (40 mi); Farmington (46 mi); Cortez (55 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Ignacio (8 mi); Pagosa Springs (33 mi); Mancos (39 mi).
• Smaller places within 50 miles: 6 of them.
• At 100 miles: 9 larger Census places fall inside that radius.

Colorado rules behind a Bayfield personal loan

The rows below set out what a licensed lender must follow in Colorado, and so for Bayfield's roughly 2,872 residents.

Steps to take before a Bayfield loan

For Bayfield's roughly 2,872 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Colorado regulator's licence list.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

None of these steps is Bayfield-specific: the same Colorado licensing and disclosure rules reach all 2,872 residents.

Where Bayfield sits

Bayfield covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,425 people per square mile. The largest place in Colorado, Denver, lies about 228 miles away. Within 50 miles of Bayfield there are 4 larger Census places. The 100-mile radius contains 9 larger places.

Bayfield against the rest of Colorado

Within Colorado, Bayfield holds roughly 0.1% of all residents, the 99th-largest share among 270 places. Its 2020-to-2023 change ranks 95th of 270 Colorado places, putting it near the 65th percentile for growth. By density, at about 1,425 people per square mile, it ranks 93rd in Colorado. Within 50 miles sit 6 smaller Census places, alongside the 4 that are larger.

What a Bayfield borrower is actually offered

In Bayfield, a small community of about 2,872, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Bayfield can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Bayfield loan but raises total interest, so the smallest payment is not the cheapest loan.