Personal loans in Bristol, CT

The Census estimates 61,601 residents in Bristol, which ranks it 9th of 29 places in Connecticut. The 2020 count to the 2023 estimate shows about 1.2% growth in Bristol.

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

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 roughly 61,601 people who live in Bristol borrow under Connecticut rules; city hall sets no personal-loan rate. To lend to Bristol's 61,601 residents, a company must hold a Connecticut licence, and each sourced row below names the regulator behind it. Verify the lender's Connecticut licence against the regulator named below before borrowing in Bristol. For a bigger market, look to New Britain, CT about 8 miles away.

Bristol: population, trend and location

Bristol is a mid-sized city; the notes below cover its population profile and the statewide rules that apply.

What Connecticut law requires in Bristol

The rows below set out what a licensed lender must follow in Connecticut, and so for Bristol's roughly 61,601 residents.

RuleDetailSource
State lending regulatorConnecticut Department of Banking
Source says: "The Department of Banking considers payday loan companies as unlicensed small loan lenders".
Connecticut Department of Banking
as of 2026-09-16
Small-loan APR caps (§ 36a-558(d))Loans under $5,000: lesser of 36% APR or the Military Lending Act rate cap; loans $5,000–$50,000: 25% APR
Source says: "an APR that exceeds the lesser of thirty-six per cent"; "an APR that exceeds twenty-five per cent".
Connecticut General Assembly — C.G.S. § 36a-558(d) (2026 Supplement)
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per annum (consumer loans; statutory exceptions apply, e.g., banks, credit unions, small loan licensees)
Source says: "charge, demand, accept or make any agreement to receive therefor interest at a rate greater than twelve per cent per annum".
Connecticut General Assembly — C.G.S. § 37-4
as of 2026-09-16

Bristol in state context

Bristol is the 9th-largest of 29 Census places in Connecticut and contains about 4.5% of the state's people. For population change between 2020 and 2023, Bristol ranks 8th of 29 in Connecticut (about the 72th percentile). By density, at about 2,333 people per square mile, it ranks 18th in Connecticut. Between 2020 and 2023 the count changed by roughly 754 residents.

A practical checklist for Bristol borrowers

Before you apply in Bristol, a community of about 61,601, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Connecticut regulator's records to confirm the lender is licensed here.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Connecticut; what changes is your credit file, not the fact that Bristol holds 61,601 people.

Land, water and location for Bristol

The Census Gazetteer records 26.4 square miles of land and 0.40 square miles of water within Bristol. With 61,601 residents, the land area yields roughly 2,333 people per square mile. Bridgeport, the largest place in Connecticut, is about 37 miles from Bristol. Counting outward 50 miles, 8 larger communities surround Bristol. By land area it ranks 8th of 29 Connecticut places.

Lender access in Bristol

Bristol is fairly dense, with about 2,333 people per square mile and 8 larger places within 50 miles. Distance to a branch rarely matters for Bristol's 61,601 residents: the application is online and the price follows your credit file. The nearest bigger place is New Britain, CT about 8 miles away.

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 Bristol 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 Bristol is the same as anywhere in Connecticut.
What loan size can I expect in Bristol?
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 Bristol?
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 Bristol 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

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