Personal loans in Branson, CO
State law, not city hall, decides what a lender may do to Branson's roughly 57 residents, and a state regulator supervises it. With 57 residents, Branson outranks about 2% of the communities in Colorado. The roughly 57 people who live in Branson borrow under Colorado rules; city hall sets no personal-loan rate. Branson added about 3.6% to its population between the 2020 base and the 2023 estimate. For a community of about 57, the practical step is to compare APR across at least three lenders before committing. A larger market lies at Des Moines, NM about 18 miles away.
The Branson data picture
Two layers matter for a Branson borrower: the local population picture and Colorado's consumer-lending statutes.
- Population: a Census-estimated 57, 264th among Colorado's 270 places (Vintage 2023).
- Population trend: Growth of about 3.6% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: roughly 2% of Colorado places rank below Branson.
- Land and density: 0.2 square miles of land carry roughly 233 residents per square mile.
- By land area: Branson ranks 244th among Colorado's 270 places, at 0.2 sq mi.
- Share of state population: Branson's 57 residents are about 0.0% of Colorado.
- National rank: Branson is the 18,869th most populous of the 19,457 Census places covered here.
- Growth in Colorado: Branson stands 61st by percentage change from 2020 to 2023, among 270 places.
- State comparison: Colorado's places average +2.3% for 2020-to-2023, against Branson's 3.6%.
- Density rank: Branson is the 248th most densely settled place in Colorado.
- Against the state median: Branson runs about 233 residents per square mile, where the Colorado median is 1,126.
- Location: 37.0155, -103.8838 (Census Gazetteer coordinates).
- Nearest larger cities: Des Moines (18 mi); Raton (32 mi); Kim (33 mi); Trinidad (35 mi); Starkville (36 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Folsom (12 mi); Grenville (33 mi); Two Buttes (90 mi), each with its own Census population profile.
- Within a 50-mile radius: 2 smaller Census places.
- Larger places within 100 miles: 45.
How Branson compares across Colorado
Within Colorado, Branson holds roughly 0.0% of all residents, the 264th-largest share among 270 places. Its 2020-to-2023 change ranks 61st of 270 Colorado places, putting it near the 77th percentile for growth. By density, at about 233 people per square mile, it ranks 248th in Colorado. The population moved by about 2 people between 2020 and 2023, a 3.6% shift.
The state rulebook for Branson
Colorado has no separate rate rule for Branson; the sourced rows below are what reach every lender that serves its 57 people.
| 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 |
Inside a Branson personal loan
A Branson personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 57 residents. Because pricing is borrower-level, two people in Branson can be quoted different APRs on the same amount and term. The term you choose in Branson decides the split between a comfortable payment and the total interest you pay.
Where Branson sits
Branson covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 233 people per square mile. For the state's biggest city, Denver, the distance is roughly 197 miles. A 50-mile radius around Branson takes in 7 places that are larger. Within the same 50 miles lie 2 smaller Census places.
A pre-application checklist for Branson
Before you apply in Branson, a community of about 57, work through these steps:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Colorado regulator's licence records before you sign.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
The process is identical across Colorado; what changes is your credit file, not the fact that Branson holds 57 people.
Common questions
What are my options in Branson if my credit is poor?
What loan size can I expect in Branson?
Do I have to pledge anything to borrow in Branson?
Does comparing loans in Branson cost me credit score points?
Nearby places
- Folsom, NM — population 47
- Des Moines, NM — population 112
- Grenville, NM — population 25
- Raton, NM — population 5,978
- Kim, CO — population 63
- Trinidad, CO — population 8,216
- Starkville, CO — population 65
- Cokedale, CO — population 127