Personal loans in Bethune, CO
A personal loan taken out in Bethune, Colorado is priced from your credit file and your income, not from your address. Bethune is home to roughly 181 people and stands 239th by size out of 270 Census places in Colorado. Census figures put the 2020-to-2023 decrease at about 0.5%. A single loan can carry different costs on either side of a state line, because each state sets its own lending rules. Compare APR, not the interest rate, because the APR folds in most fees. The nearest larger city is Burlington, CO about 8 miles away.
Borrowing in Bethune: the local picture
Here is the sourced Census picture for Bethune, plus the Colorado lending rules that apply to a loan taken out here.
- Population: about 181 people live here, which puts Bethune 239th of 270 Census places in Colorado (Vintage 2023).
- Population trend: A loss of roughly 0.5% between 2020 and 2023.
- Size percentile: it is larger than about 11% of Colorado's Census places.
- Location: latitude 39.3038, longitude -102.4234 (Census Gazetteer).
- Nearest larger cities: Burlington (8 mi); Stratton (10 mi); Cheyenne Wells (34 mi); Flagler (34 mi); Goodland (38 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Vona (17 mi); Kanorado (21 mi); Seibert (24 mi).
What Colorado law requires in Bethune
Below are the Colorado rules that reach a loan made in Bethune, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
What a Bethune personal loan looks like
When you apply for a personal loan in Bethune, most lenders start with pre-qualification, which uses a soft credit pull and leaves your score alone. A lender who will not put the terms in writing is a reason to walk away. Borrowing is a decision to make calmly, not one to rush.
A pre-application checklist for Bethune
Before you sign anything in Bethune, run through this list:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Colorado licence by checking the regulator named above.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Common questions
What are my options in Bethune 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 Bethune is the same as anywhere in Colorado.
What loan size can I expect in Bethune?
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 Bethune?
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 Bethune 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
- Burlington, CO — population 3,128
- Stratton, CO — population 646
- Vona, CO — population 90
- Kanorado, KS — population 150
- Seibert, CO — population 176
- Cheyenne Wells, CO — population 722
- Flagler, CO — population 573
- Kit Carson, CO — population 250