Personal loans in Ignacio, CO
An estimated 845 people make their home in Ignacio, a figure that ranks 162nd in Colorado. A personal loan in Ignacio is priced from your credit file and income, not from the fact that the city holds 845 people.
Ignacio shed about 0.6% of its population between the 2020 base and the 2023 estimate. If debt is already a strain, a nonprofit credit counsellor can help Ignacio residents before they take on more. For the 845 people in Ignacio, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Bayfield, CO about 8 miles away.
Local context for Ignacio
Here is the sourced Census picture for Ignacio, plus the Colorado lending rules that apply to a loan taken out here.
- Population: 845 people, a figure that places Ignacio 162nd among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 0.6% between 2020 and 2023.
- Absolute change: 5 residents lost between 2020 and 2023.
- Size percentile: bigger than about 40% of the places in Colorado, with 845 residents in Ignacio.
- Land and density: 0.5 square miles of land carry roughly 1,650 residents per square mile.
- Land area: Ignacio covers 0.5 square miles, the 205th-largest area among Colorado's 270 places.
- Share of state population: Ignacio's 845 residents are about 0.0% of Colorado.
- National rank: Ignacio is the 10,951st most populous of the 19,457 Census places covered here.
- Growth rank: Ignacio ranks 134th among Colorado's 270 places for the 2020-to-2023 change.
- Against the state trend: Ignacio's 0.6% change compares with a Colorado average of +2.3% across its 270 places.
- Density in Colorado: Ignacio ranks 73rd by people per square mile.
- Against the state median: Ignacio runs about 1,650 residents per square mile, where the Colorado median is 1,126.
- Location: 37.1180, -107.6376 (Census Gazetteer coordinates).
- Nearest larger cities: Bayfield (8 mi); Durango (16 mi); Aztec (28 mi); Bloomfield (32 mi); Pagosa Springs (36 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Rico (45 mi); Kirtland (47 mi); Silverton (48 mi).
- Smaller neighbours: 3 places smaller than Ignacio sit within 50 miles.
- Larger places within 100 miles: 21.
Ignacio's place among Colorado's 270 places
Among Colorado's 270 places, Ignacio sits at 162nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Ignacio ranks 134th of 270 in Colorado (about the 50th percentile). By density, at about 1,650 people per square mile, it ranks 73rd in Colorado. Within 50 miles sit 3 smaller Census places, alongside the 7 that are larger.
Borrowing reach in Ignacio
Ignacio is moderately settled, with about 1,650 people per square mile and 7 larger places within 50 miles. Lenders licensed in Colorado reach Ignacio's 845 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Bayfield, CO about 8 miles away.
Ignacio on the map
Inside Ignacio's boundaries lie about 0.5 square miles of land, with no significant water area recorded. The resulting density is about 1,650 people per square mile. For the state's biggest city, Denver, the distance is roughly 236 miles. Within 50 miles of Ignacio there are 7 larger Census places. Within the same 50 miles lie 3 smaller Census places.
Which Colorado laws govern a loan in Ignacio
These are Colorado's sourced lending facts as they reach Ignacio's 845 residents; the state has no city-level rate rule.
| 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 |
Inside a Ignacio personal loan
In Ignacio, a small community of about 845, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Ignacio lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Ignacio loan is knowable in advance — unlike a revolving card balance.
Common questions
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Does comparing loans in Ignacio cost me credit score points?
Nearby places
- Bayfield, CO — population 2,872
- Durango, CO — population 19,534
- Aztec, NM — population 6,130
- Bloomfield, NM — population 7,349
- Pagosa Springs, CO — population 1,773
- Farmington, NM — population 46,237
- Silverton, CO — population 713
- Rico, CO — population 332