Personal loans in Kersey, CO
A lender serving Kersey holds a Colorado license and answers to a Colorado regulator, not to any city office. Kersey is one of 270 Census places in Colorado; its 1,491 residents put it at 129th. Population in Kersey dropped about 0.9% over the three years from 2020 to 2023. A lender that serves Colorado operates under that state's lending statutes and its own supervisor. Verify the lender's Colorado licence against the regulator named below. A larger market lies at La Salle, CO about 7 miles away.
Borrowing in Kersey: the local picture
Most of what governs a Kersey loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,491 residents; Kersey is the 129th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 0.9% across the 2020-to-2023 comparison.
- Size percentile: by population it outranks roughly 52% of the places in Colorado.
- Location: coordinates 40.3956, -104.5783 (US Census Bureau Gazetteer).
- Nearest larger cities: La Salle (7 mi); Evans (9 mi); Greeley (10 mi); Eaton (11 mi); Ault (16 mi). Lenders licensed in the state serve Kersey whether or not they keep a local branch.
- Nearest smaller towns: Garden City (6 mi); Gilcrest (13 mi); Pierce (20 mi) — useful context for the surrounding area.
What Colorado law requires in Kersey
When the state does not publish a figure, the row links to the source instead of inventing a number.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
What a Kersey personal loan looks like
Two numbers drive a Kersey personal loan: the APR, which includes fees, and the term, which decides how long you keep paying. Deciding what the loan is for, and what you will do differently afterward, matters more than the headline rate. Deal only with a lender licensed in Colorado, which you can check with the regulator named below.
A pre-application checklist for Kersey
A sensible order of operations for a loan in Kersey:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Colorado licence by checking the regulator named above.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Common questions
What are my options in Kersey 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 Kersey is the same as anywhere in Colorado.
What loan size can I expect in Kersey?
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 Kersey?
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 Kersey 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
- Garden City, CO — population 250
- La Salle, CO — population 2,301
- Evans, CO — population 22,326
- Eaton, CO — population 5,832
- Greeley, CO — population 112,609
- Gilcrest, CO — population 1,020
- Keenesburg, CO — population 2,050
- Ault, CO — population 2,666