Personal loans in Empire, CO

What the Census records for Empire

Only a few things actually differ by place — population, area, location, and the Colorado rules a lender must follow — and they are below.

• Population: 327 — Empire ranks 214th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
• Population trend: Down about 4.1% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 14 fewer since the 2020 base.
• Size percentile: bigger than about 21% of the places in Colorado, with 327 residents in Empire.
• Population density: 1,120 people per square mile on 0.3 square miles of land.
• Land area rank: Empire's 0.3 square miles rank 232nd of 270 places in Colorado.
• State share: roughly 0.0% of Colorado's residents live in Empire (327 people).
• National standing: Empire ranks 14,812th of 19,457 US places.
• Growth rank: Empire ranks 239th among Colorado's 270 places for the 2020-to-2023 change.
• Versus Colorado: the state average change is +2.3%, while Empire moved 4.1%.
• Density in Colorado: Empire ranks 136th by people per square mile.
• Against the state median: Empire runs about 1,120 residents per square mile, where the Colorado median is 1,126.
• Location: 39.7594, -105.6817 (Census Gazetteer coordinates).
• Nearest larger cities: Georgetown (3 mi); Idaho Springs (9 mi); Central (10 mi); Winter Park (10 mi); Fraser (13 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Silver Plume (5 mi); Black Hawk (10 mi); Montezuma (16 mi).
• Within a 50-mile radius: 8 smaller Census places.
• Within 100 miles: 121 places are larger than Empire.

Empire against the rest of Colorado

Empire is the 214th-largest of 270 Census places in Colorado and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Empire stands 239th among Colorado's 270 places — roughly the 11th percentile. At about 1,120 people per square mile, Empire is the 136th most densely settled place in Colorado. The population moved by about 14 people between 2020 and 2023, a 4.1% shift.

Where Empire sits

The Census Gazetteer records about 0.3 square miles of land within Empire, with no significant water area listed. The resulting density is about 1,120 people per square mile. The state's population centre of gravity, Denver, is roughly 43 miles away. Counting outward 50 miles, 59 larger communities surround Empire. The 100-mile radius contains 121 larger places.

The Colorado lending rules that reach Empire

Read the table as a lender's compliance picture for Empire: the rule, the sourced figure, the publisher and the date.

Before you apply in Empire

These steps shape the offer you get in Empire, a place of about 327 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Colorado regulator's records to confirm the lender is licensed here.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

In Empire as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 327 residents.

How a Empire personal loan is priced

In Empire, a small community of about 327, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Empire loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Empire decides the split between a comfortable payment and the total interest you pay.