Personal loans in Dinosaur, CO
The Census counts 246 people in Dinosaur, the 225th-largest figure among Colorado's 270 places. The first question in Dinosaur is not the rate on offer but whether the payment fits; about 246 people live here under Colorado lending law. From the 2020 Census base to the 2023 estimate, the population rose by about 0.4%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Dinosaur loan. Every figure below is Colorado's own, applied to Dinosaur's 246 residents, with the publisher and retrieval date attached. The closest larger city is Rangely, CO about 16 miles away.
What the Census records for Dinosaur
Set out below is Dinosaur's local context next to the state-level rules that reach every lender here.
- Population: 246 — Dinosaur ranks 225th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
- Population trend: About 0.4% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
- Size percentile: roughly 17% of Colorado's places have fewer residents than Dinosaur's 246.
- Density: the Census land area of 0.9 sq mi holds about 265 people per square mile.
- Land area rank: Dinosaur's 0.9 square miles rank 168th of 270 places in Colorado.
- Share of Colorado: Dinosaur holds about 0.0% of the state's population, some 246 people.
- Nationally: Dinosaur is the 15,810th-largest of 19,457 Census places in the dataset.
- Growth rank: Dinosaur's 2020-to-2023 change ranks 112th of 270 places in Colorado.
- State comparison: Colorado's places average +2.3% for 2020-to-2023, against Dinosaur's 0.4%.
- Density rank: Dinosaur is the 243rd most densely settled place in Colorado.
- Density in context: Dinosaur's 265 people per square mile sit against a Colorado median of 1,126.
- Location: latitude 40.2399, longitude -109.0068 (Census Gazetteer).
- Nearest larger cities: Rangely (16 mi); Naples (29 mi); Vernal (32 mi); Ballard (50 mi); Roosevelt (52 mi). Larger metros often have more branches, but online lenders reach Dinosaur on the same terms.
- Nearest smaller towns: Dutch John (52 mi); Tabiona (90 mi); Dixon (95 mi).
- Smaller neighbours: 0 places smaller than Dinosaur sit within 50 miles.
- Larger places within 100 miles: 26.
How personal loans work in Dinosaur
In Dinosaur, a small community of about 246, 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 Dinosaur. The term you choose in Dinosaur decides the split between a comfortable payment and the total interest you pay.
A pre-application checklist for Dinosaur
Before you hand your details to a lender in Dinosaur, where the population is near 246:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Colorado licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
The process is identical across Colorado; what changes is your credit file, not the fact that Dinosaur holds 246 people.
Which Colorado laws govern a loan in Dinosaur
Colorado has no separate rate rule for Dinosaur; the sourced rows below are what reach every lender that serves its 246 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 |
Dinosaur's place among Colorado's 270 places
Set beside Colorado's 270 places, Dinosaur ranks 225th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Dinosaur stands 112th among Colorado's 270 places — roughly the 59th percentile. By density, at about 265 people per square mile, it ranks 243rd in Colorado. Between 2020 and 2023 the count changed by roughly 1 residents.
Getting a loan in Dinosaur
Dinosaur is a lightly settled community of about 246 people, with 4 larger places inside a 50-mile radius. Lenders licensed in Colorado reach Dinosaur's 246 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Rangely, CO about 16 miles away.
Common questions
What are my options in Dinosaur if my credit is poor?
What loan size can I expect in Dinosaur?
Do I have to pledge anything to borrow in Dinosaur?
Does comparing loans in Dinosaur cost me credit score points?
Nearby places
- Rangely, CO — population 2,286
- Naples, UT — population 2,466
- Vernal, UT — population 10,557
- Dutch John, UT — population 146
- Ballard, UT — population 1,231
- Roosevelt, UT — population 7,224
- Manila, UT — population 332
- Myton, UT — population 563