Personal loans in Gypsum, CO

With roughly 8,833 residents, Gypsum is a small town, and the lending rules its borrowers live under are written in Colorado, not by the city. Rate-shopping from Gypsum costs nothing at pre-qualification, where a soft pull leaves your credit file alone. With 8,833 residents, Gypsum outranks about 78% of the communities in Colorado. Rate ceilings, licensing requirements and product limits for Gypsum are all set at the Colorado level. The 2020 count to the 2023 estimate shows about 9.8% growth in Gypsum. The nearest larger city is Glenwood Springs, CO about 21 miles away.

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

Compare loan offers Run the numbers first

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.

Gypsum by the numbers

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

Population: about 8,833 people live here, which puts Gypsum 60th of 270 Census places in Colorado (Vintage 2023).
Population trend: Roughly 9.8% more residents than the 2020 Census counted.
Net change: roughly 787 more people than the 2020 Census counted.
Size percentile: roughly 78% of Colorado's places have fewer residents than Gypsum's 8,833.
Population density: 999 people per square mile on 8.8 square miles of land.
By land area: Gypsum ranks 52nd among Colorado's 270 places, at 8.8 sq mi.
Water area: Gypsum has 0.12 square miles of water, ranking 34th of 270 places in Colorado.
Share of state population: Gypsum's 8,833 residents are about 0.2% of Colorado.
National rank: Gypsum sits 3,431st by population among the 19,457 places in this dataset.
Growth rank: Gypsum ranks 30th among Colorado's 270 places for the 2020-to-2023 change.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Gypsum's 9.8%.
Density rank: Gypsum is the 149th most densely settled place in Colorado.
Against the state median: Gypsum runs about 999 residents per square mile, where the Colorado median is 1,126.
Location: the Census Gazetteer records it at 39.6202, -106.9564.
Nearest larger cities: Glenwood Springs (21 mi); Rifle (44 mi); Steamboat Springs (60 mi); Craig (70 mi); Montrose (93 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities within reach: Eagle (7 mi); Basalt (18 mi); Carbondale (21 mi).
Smaller neighbours: 21 places smaller than Gypsum sit within 50 miles.
At 100 miles: 15 larger Census places fall inside that radius.

A pre-application checklist for Gypsum

For Gypsum's roughly 8,833 residents, these are the steps that most influence the offer:

Pull your credit reports first and correct any error before a lender sees the file.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Make sure the lender appears in the Colorado regulator's licence list.
Weigh a shorter term's higher payment against the interest it saves.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

In Gypsum as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 8,833 residents.

How Gypsum compares across Colorado

Against Colorado's other places, Gypsum accounts for about 0.2% of the state's population and ranks 60th of 270 by size. For population change between 2020 and 2023, Gypsum ranks 30th of 270 in Colorado (about the 89th percentile). By density, at about 999 people per square mile, it ranks 149th in Colorado. The population moved by about 787 people between 2020 and 2023, a 9.8% shift.

What a Gypsum borrower is actually offered

Most loans made to Gypsum's 8,833 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Gypsum. The term you choose in Gypsum decides the split between a comfortable payment and the total interest you pay.

Lender access in Gypsum

Gypsum is a moderately settled community of about 8,833 people, with 2 larger places inside a 50-mile radius. Distance to a branch rarely matters for Gypsum's 8,833 residents: the application is online and the price follows your credit file. The nearest bigger place is Glenwood Springs, CO about 21 miles away.

Which Colorado laws govern a loan in Gypsum

This table holds the Colorado rate and licensing rules for consumer loans made to Gypsum's 8,833 residents.

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

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Common questions

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

What loan size can I expect in Gypsum?

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 Gypsum?

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 Gypsum 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

Eagle, CO — population 7,391
Basalt, CO — population 4,005
Carbondale, CO — population 6,708
Glenwood Springs, CO — population 10,250
Snowmass Village, CO — population 3,011
Avon, CO — population 5,954
Aspen, CO — population 6,612
Yampa, CO — population 394