Personal loans in Cañon City, CO

Personal loans in Cañon City are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 17,241 population.

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Cañon City's 17,241 residents. The Census estimates 17,241 residents in Cañon City, which ranks it 37th of 270 places in Colorado. Every figure below is Colorado's own, applied to Cañon City's 17,241 residents, with the publisher and retrieval date attached. From the 2020 Census base to the 2023 estimate, the population rose by about 0.7%. The closest larger city is Fountain, CO about 34 miles away.

Cañon City: population, trend and location

Set out below is Cañon City's local context next to the state-level rules that reach every lender here.

Getting a loan in Cañon City

Cañon City is a moderately settled community of about 17,241 people, with 3 larger places inside a 50-mile radius. Distance to a branch rarely matters for Cañon City's 17,241 residents: the application is online and the price follows your credit file. The nearest larger city, Fountain, CO about 34 miles away.

Where Cañon City sits

Inside Cañon City's boundaries lie roughly 12.4 square miles of land and 0.01 square miles of water. With 17,241 residents, the land area yields roughly 1,389 people per square mile. The largest place in Colorado, Denver, lies about 93 miles away. Cañon City has 3 larger places within a 50-mile radius. By land area it ranks 40th of 270 Colorado places.

Colorado consumer-lending rules applied in Cañon City

These are Colorado's sourced lending facts as they reach Cañon City's 17,241 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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

Cañon City in state context

Cañon City is the 37th-largest of 270 Census places in Colorado and contains about 0.4% of the state's people. On the 2020-to-2023 trend, Cañon City stands 107th among Colorado's 270 places — roughly the 60th percentile. Its roughly 1,389 residents per square mile place it 96th among Colorado's places. In land area, Cañon City ranks 40th among Colorado's 270 places.

How a Cañon City personal loan is priced

In Cañon City, a small town of about 17,241, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cañon City. Because the payment is fixed, the total cost of a Cañon City loan is knowable in advance — unlike a revolving card balance.

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 Cañon City 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 Cañon City is the same as anywhere in Colorado.
What loan size can I expect in Cañon City?
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 Cañon City?
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 Cañon City 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.

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