Personal loans in Keenesburg, CO

A lender that serves Keenesburg operates under Colorado lending statutes and a Colorado supervisor. With an estimated 2,050 residents, Keenesburg is the 116th-largest of 270 places in Colorado.

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

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The roughly 2,050 people who live in Keenesburg borrow under Colorado rules; city hall sets no personal-loan rate. Keenesburg gained roughly 63.3% in population across the 2020-to-2023 comparison. Decide the purpose of the loan and your repayment plan before sharing any details with a Keenesburg lender. The closest larger city is Lochbuie, CO about 13 miles away.

Keenesburg: population, trend and location

What follows is Keenesburg's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

Population: about 2,050 people live here, which puts Keenesburg 116th of 270 Census places in Colorado (Vintage 2023).
Population trend: Growth of about 63.3% across the 2020-to-2023 comparison.
Absolute change: 795 residents added between 2020 and 2023.
Size percentile: about 57% of Colorado communities are smaller than Keenesburg (2,050 residents).
Population density: about 219 people per square mile (Census land area 9.4 sq mi).
By land area: Keenesburg ranks 48th among Colorado's 270 places, at 9.4 sq mi.
Water area rank: Keenesburg ranks 73rd among Colorado's 270 places, with 0.03 sq mi.
Share of Colorado: Keenesburg holds about 0.0% of the state's population, some 2,050 people.
National rank: Keenesburg sits 7,541st by population among the 19,457 places in this dataset.
Growth rank: Keenesburg's 2020-to-2023 change ranks 1st of 270 places in Colorado.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Keenesburg's 63.3%.
Density rank: Keenesburg places 249th among Colorado's places by people per square mile.
Density in context: Keenesburg's 219 people per square mile sit against a Colorado median of 1,126.
Location: latitude 40.1552, longitude -104.5634 (Census Gazetteer).
Nearest larger cities: Lochbuie (13 mi); Fort Lupton (14 mi); Platteville (15 mi); La Salle (15 mi); Evans (17 mi). Larger metros often have more branches, but online lenders reach Keenesburg on the same terms.
Nearest smaller towns: Hudson (5 mi); Gilcrest (15 mi); Kersey (17 mi).
Within a 50-mile radius: 17 smaller Census places.
At 100 miles: 72 larger Census places fall inside that radius.

Which Colorado laws govern a loan in Keenesburg

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

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

The geography behind Keenesburg

Keenesburg's land area is about 9.4 square miles; a further 0.03 square miles is water. Spread across it are roughly 219 residents per square mile. The largest place in Colorado, Denver, lies about 32 miles away. Keenesburg has 54 larger places within a 50-mile radius. The 100-mile radius contains 72 larger places.

The Keenesburg borrowing checklist

Before you hand your details to a lender in Keenesburg, where the population is near 2,050:

Get your credit reports, dispute what is wrong, and only then start shopping.
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.
Verify the lender's Colorado licence with the regulator listed on this page.
Decide the purpose and how you will repay it before approaching any lender.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Keenesburg-specific: the same Colorado licensing and disclosure rules reach all 2,050 residents.

What shapes a Keenesburg personal loan

In Keenesburg, a small community of about 2,050, 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 Keenesburg lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Keenesburg loan is knowable in advance — unlike a revolving card balance.

Lender access in Keenesburg

At roughly 219 people per square mile, Keenesburg is lightly settled; 54 larger places lie within 50 miles. Whether Keenesburg has a local branch or not, a Colorado-licensed lender can serve its 2,050 people online on the same terms. For a larger market, the closest option is Lochbuie, CO about 13 miles away.

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Common questions

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

What loan size can I expect in Keenesburg?

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 Keenesburg?

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 Keenesburg 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

Hudson, CO — population 1,617
Lochbuie, CO — population 8,336
La Salle, CO — population 2,301
Kersey, CO — population 1,491
Fort Lupton, CO — population 9,447
Gilcrest, CO — population 1,020
Evans, CO — population 22,326
Garden City, CO — population 250