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Personal loans in Hudson, CO

Hudson is a small community of about 1,617 residents, and a personal loan taken out here is governed by Colorado statute. With 1,617 residents, Hudson outranks about 53% of the communities in Colorado. The nearest larger metro is Keenesburg, CO about 5 miles away. Hudson lost roughly 1.8% of its population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Hudson's 1,617 residents. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hudson's 1,617 residents are no exception.

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.

Borrowing in Hudson: the local picture

Here is the sourced Census picture for Hudson, plus the Colorado lending rules that apply to a loan taken out here.

Where Hudson sits

Inside Hudson's boundaries lie roughly 5.9 square miles of land and 0.08 square miles of water. With 1,617 residents, the land area yields roughly 274 people per square mile. Denver, the largest place in Colorado, is about 27 miles from Hudson. A 50-mile radius around Hudson takes in 57 places that are larger. By land area it ranks 71st of 270 Colorado places.

How Colorado law applies in Hudson

These are Colorado's sourced lending facts as they reach Hudson's 1,617 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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

What is available to Hudson borrowers

With about 274 residents per square mile, Hudson is lightly settled, and 57 larger Census places sit within 50 miles. A Colorado licence lets a lender serve Hudson without a local office, so branch density does not change what its 1,617 residents are offered. The nearest larger city, Keenesburg, CO about 5 miles away.

How Hudson compares across Colorado

Among Colorado's 270 places, Hudson sits at 127th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 178th of 270 Colorado places, putting it near the 34th percentile for growth. Its roughly 274 residents per square mile place it 242nd among Colorado's places. The population moved by about 30 people between 2020 and 2023, a 1.8% shift.

What a Hudson borrower is actually offered

Hudson is a small community of about 1,617 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hudson. A longer term lowers the monthly payment on a Hudson loan but raises total interest, so the smallest payment is not the cheapest loan.

Compare personal 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.

Common questions

What are my options in Hudson 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 Hudson is the same as anywhere in Colorado.
What loan size can I expect in Hudson?
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 Hudson?
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 Hudson 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.

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