Personal loans in Fountain, CO
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Fountain's 28,489 residents. Two households in Fountain with comparable incomes can still be offered different rates; the city's 28,489 residents are not the reason. Fountain is home to roughly 28,489 people and stands 28th by size out of 270 Census places in Colorado. The 2020 count to the 2023 estimate shows about 4.4% decline in Fountain. Use the calculator on this page to price an amount and term before you commit in Fountain. For a bigger market, look to Colorado Springs, CO about 13 miles away.
Borrowing in Fountain: the local picture
Set out below is Fountain's local context next to the state-level rules that reach every lender here.
- Population: about 28,489, ranked 28th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 4.4% fewer residents than the 2020 Census counted.
- People gained or lost: about 1,321 fewer since the 2020 base.
- Size percentile: roughly 90% of Colorado places rank below Fountain.
- Population density: about 1,275 people per square mile (Census land area 22.3 sq mi).
- Land area: Fountain covers 22.3 square miles, the 22nd-largest area among Colorado's 270 places.
- Water area: Fountain has 0.03 square miles of water, ranking 75th of 270 places in Colorado.
- State population share: Fountain accounts for about 0.6% of everyone in Colorado.
- National rank: Fountain is the 1,369th most populous of the 19,457 Census places covered here.
- Growth in Colorado: Fountain stands 245th by percentage change from 2020 to 2023, among 270 places.
- Against the state trend: Fountain's 4.4% change compares with a Colorado average of +2.3% across its 270 places.
- Density rank: Fountain is the 108th most densely settled place in Colorado.
- Against the state median: Fountain runs about 1,275 residents per square mile, where the Colorado median is 1,126.
- Location: the Census Gazetteer records it at 38.6890, -104.6806.
- Nearest larger cities: Colorado Springs (13 mi); Pueblo (29 mi); Castle Rock (48 mi); Parker (57 mi); Centennial (63 mi). Lenders licensed in the state serve Fountain whether or not they keep a local branch.
- Smaller places nearby: Manitou Springs (17 mi); Victor (25 mi); Green Mountain Falls (25 mi).
- Smaller neighbours: 20 places smaller than Fountain sit within 50 miles.
- Larger places within 100 miles: 21.
How Fountain compares across Colorado
Set beside Colorado's 270 places, Fountain ranks 28th by population and holds about 0.6% of the state total. On the 2020-to-2023 trend, Fountain stands 245th among Colorado's 270 places — roughly the 9th percentile. Its roughly 1,275 residents per square mile place it 108th among Colorado's places. The population moved by about 1,321 people between 2020 and 2023, a 4.4% shift.
Lender access in Fountain
With about 1,275 residents per square mile, Fountain is moderately settled, and 3 larger Census places sit within 50 miles. A Colorado licence lets a lender serve Fountain without a local office, so branch density does not change what its 28,489 residents are offered. The nearest bigger place is Colorado Springs, CO about 13 miles away.
A practical checklist for Fountain borrowers
For Fountain's roughly 28,489 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- 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 the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Fountain as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 28,489 residents.
Colorado rules behind a Fountain personal loan
Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Fountain lender must follow.
| 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 |
Where Fountain sits
The Census Gazetteer records 22.3 square miles of land and 0.03 square miles of water within Fountain. That land carries about 1,275 people per square mile. The largest place in Colorado, Denver, lies about 75 miles away. A 50-mile radius around Fountain takes in 3 places that are larger. The 100-mile radius contains 21 larger places.
Common questions
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Nearby places
- Colorado Springs, CO — population 488,664
- Manitou Springs, CO — population 4,622
- Monument, CO — population 12,088
- Green Mountain Falls, CO — population 609
- Pueblo, CO — population 111,077
- Victor, CO — population 364
- Palmer Lake, CO — population 2,587
- Woodland Park, CO — population 7,873