Personal loans in Crawford, CO

A personal loan in Crawford is priced from your credit file and income, not from the fact that the city holds 407 people. Crawford gained roughly 2.3% in population across the 2020-to-2023 comparison. With 407 residents, Crawford outranks about 24% of the communities in Colorado. Use the calculator on this page to price an amount and term before you commit in Crawford. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Crawford as from the rest of the state. The nearest larger metro is Hotchkiss, CO about 9 miles away.

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

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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.

Borrowing in Crawford: the local picture

Read the local figures below as context; read the sourced Colorado table as the rulebook a lender here must follow.

Population: 407 — Crawford ranks 204th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 2.3% since the 2020 count.
Absolute change: 9 residents added between 2020 and 2023.
Size percentile: roughly 24% of Colorado's places have fewer residents than Crawford's 407.
Population density: about 1,622 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Crawford covers 0.3 square miles, the 241st-largest area among Colorado's 270 places.
Within Colorado: about 0.0% of the state's population lives in Crawford.
National rank: Crawford is 14,024th of 19,457 places nationwide.
Growth rank: Crawford's 2020-to-2023 change ranks 78th of 270 places in Colorado.
Versus Colorado: the state average change is +2.3%, while Crawford moved 2.3%.
Density in Colorado: Crawford ranks 77th by people per square mile.
Against the state median: Crawford runs about 1,622 residents per square mile, where the Colorado median is 1,126.
Location: mapped by the US Census Bureau at 38.7050, -107.6096.
Nearest larger cities: Hotchkiss (9 mi); Paonia (11 mi); Orchard City (21 mi); Montrose (21 mi); Olathe (21 mi). Online lenders reach Crawford no matter how far the nearest branch is.
Smaller communities close by: Marble (34 mi); Collbran (42 mi); Sawpit (53 mi), each with its own Census population profile.
Within a 50-mile radius: 2 smaller Census places.
Larger places within 100 miles: 49.

The geography behind Crawford

Inside Crawford's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 1,622 people per square mile. The largest place in Colorado, Denver, lies about 163 miles away. Crawford has 14 larger places within a 50-mile radius. The 100-mile radius contains 49 larger places.

Colorado rules behind a Crawford personal loan

These are Colorado's sourced lending facts as they reach Crawford's 407 residents; the state has no city-level rate rule.

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
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
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 shapes a Crawford personal loan

Crawford is a small community of about 407 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Crawford loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Crawford loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Crawford sits in Colorado

Set beside Colorado's 270 places, Crawford ranks 204th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 78th of 270 Colorado places, putting it near the 71th percentile for growth. By density, at about 1,622 people per square mile, it ranks 77th in Colorado. By land area, its 0.3 square miles rank 241st of 270 places in Colorado.

The Crawford borrowing checklist

For Crawford's roughly 407 residents, these are the steps that most influence the offer:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Look the lender up in the Colorado regulator's licence records before you sign.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.

In Crawford as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 407 residents.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Crawford 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 Crawford is the same as anywhere in Colorado.

What loan size can I expect in Crawford?

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 Crawford?

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 Crawford 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

Hotchkiss, CO — population 929
Paonia, CO — population 1,459
Montrose, CO — population 21,333
Cedaredge, CO — population 2,410
Orchard City, CO — population 3,251
Olathe, CO — population 1,962
Delta, CO — population 9,599
Marble, CO — population 132