Personal loans in Bow Mar, CO
Census figures put the 2020-to-2023 decrease in Bow Mar at about 3.6%. At about 823 residents, Bow Mar is larger than roughly 40% of the places in Colorado. Bow Mar is a small community of about 823 residents, and a personal loan taken out here is governed by Colorado statute. Begin with the payment, then weigh APR and total interest across the lenders that reach Bow Mar's 823 residents. State law, not city hall, decides what a lender may do to Bow Mar's roughly 823 residents, and a state regulator supervises it. The closest larger city is Columbine Valley, CO about 2 miles away.
Borrowing in Bow Mar: the local picture
Most of what governs a Bow Mar loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 823 residents in Bow Mar (Vintage 2023 subcounty estimate), the 163rd-largest figure among Colorado's 270 places.
- Population trend: A decline of about 3.6% across the 2020-to-2023 comparison.
- People gained or lost: about 31 fewer since the 2020 base.
- Size percentile: with 823 residents, Bow Mar is larger than about 40% of Colorado's Census places.
- Population density: about 1,243 people per square mile (Census land area 0.7 sq mi).
- Land area: Bow Mar covers 0.7 square miles, the 190th-largest area among Colorado's 270 places.
- Water: Bow Mar holds about 0.15 square miles, the 30th-largest water area in Colorado.
- Within Colorado: about 0.0% of the state's population lives in Bow Mar.
- Nationally: Bow Mar is the 11,056th-largest of 19,457 Census places in the dataset.
- Growth rank: Bow Mar ranks 230th among Colorado's 270 places for the 2020-to-2023 change.
- Against the state trend: Bow Mar's 3.6% change compares with a Colorado average of +2.3% across its 270 places.
- Density rank: Bow Mar places 117th among Colorado's places by people per square mile.
- Against the state median: Bow Mar runs about 1,243 residents per square mile, where the Colorado median is 1,126.
- Location: mapped by the US Census Bureau at 39.6266, -105.0509.
- Nearest larger cities: Columbine Valley (2 mi); Sheridan (2 mi); Littleton (3 mi); Englewood (3 mi); Cherry Hills Village (6 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Morrison (8 mi); Mountain View (10 mi); Lakeside (11 mi), each with its own Census population profile.
- Smaller neighbours: 14 places smaller than Bow Mar sit within 50 miles.
- At 100 miles: 99 larger Census places fall inside that radius.
Which Colorado laws govern a loan in Bow Mar
For the roughly 823 residents of Bow Mar, 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 |
| 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 |
Bow Mar's place among Colorado's 270 places
Within Colorado, Bow Mar holds roughly 0.0% of all residents, the 163rd-largest share among 270 places. On the 2020-to-2023 trend, Bow Mar stands 230th among Colorado's 270 places — roughly the 15th percentile. At about 1,243 people per square mile, Bow Mar is the 117th most densely settled place in Colorado. In land area, Bow Mar ranks 190th among Colorado's 270 places.
Land, water and location for Bow Mar
The Census Gazetteer records 0.7 square miles of land and 0.15 square miles of water within Bow Mar. With 823 residents, the land area yields roughly 1,243 people per square mile. The state's population centre of gravity, Denver, is roughly 13 miles away. Bow Mar has 56 larger places within a 50-mile radius. By land area it ranks 190th of 270 Colorado places.
Before you apply in Bow Mar
Before you hand your details to a lender in Bow Mar, where the population is near 823:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the Colorado regulator's licence records before you sign.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
What differs between Bow Mar and the rest of Colorado is not the process but the borrower's own file, among the 823 people here.
Borrowing reach in Bow Mar
Bow Mar is a moderately settled community of about 823 people, with 56 larger places inside a 50-mile radius. A Colorado licence lets a lender serve Bow Mar without a local office, so branch density does not change what its 823 residents are offered. For a larger market, the closest option is Columbine Valley, CO about 2 miles away.
Common questions
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Nearby places
- Columbine Valley, CO — population 1,677
- Sheridan, CO — population 5,908
- Littleton, CO — population 44,451
- Englewood, CO — population 34,275
- Lakewood, CO — population 155,961
- Cherry Hills Village, CO — population 6,273
- Edgewater, CO — population 4,882
- Glendale, CO — population 4,447