Personal loans in Leadville, CO
With roughly 2,628 residents, Leadville is a small community, and the lending rules its borrowers live under are written in Colorado, not by the city. Census figures put the 2020-to-2023 decrease in Leadville at about 0.2%.
Leadville is one of 270 Census places in Colorado; its 2,628 residents put it at 102nd. Rate-shopping from Leadville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Lenders active in Leadville report to a Colorado supervisor, identified in the sourced rows below. The closest larger city is Breckenridge, CO about 22 miles away.
Where Leadville stands
Two layers matter for a Leadville borrower: the local population picture and Colorado's consumer-lending statutes.
- Population: 2,628 residents; Leadville is the 102nd-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 0.2% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: Leadville's 2,628 people outrank roughly 62% of the places in Colorado.
- Population density: about 2,239 people per square mile (Census land area 1.2 sq mi).
- By land area: Leadville ranks 156th among Colorado's 270 places, at 1.2 sq mi.
- Share of state population: Leadville's 2,628 residents are about 0.1% of Colorado.
- National rank: Leadville is the 6,690th most populous of the 19,457 Census places covered here.
- Growth rank: Leadville's 2020-to-2023 change ranks 126th of 270 places in Colorado.
- State comparison: Colorado's places average +2.3% for 2020-to-2023, against Leadville's 0.2%.
- Density rank: Leadville is the 35th most densely settled place in Colorado.
- Density in context: Leadville's 2,239 people per square mile sit against a Colorado median of 1,126.
- Location: 39.2473, -106.2935 (Census Gazetteer coordinates).
- Nearest larger cities: Breckenridge (22 mi); Frisco (25 mi); Vail (27 mi); Aspen (29 mi); Avon (30 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places close by: Alma (12 mi); Fairplay (16 mi); Red Cliff (19 mi).
- Smaller neighbours: 14 places smaller than Leadville sit within 50 miles.
- At 100 miles: 66 larger Census places fall inside that radius.
Which Colorado laws govern a loan in Leadville
Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Leadville lender must follow.
| 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 |
How a Leadville personal loan is priced
Leadville is a small community of about 2,628 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Leadville can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Leadville loan is knowable in advance — unlike a revolving card balance.
Land, water and location for Leadville
The Census Gazetteer records about 1.2 square miles of land within Leadville, with no significant water area listed. The resulting density is about 2,239 people per square mile. The largest place in Colorado, Denver, lies about 83 miles away. Within 50 miles of Leadville there are 11 larger Census places. By land area it ranks 156th of 270 Colorado places.
Leadville against the rest of Colorado
Within Colorado, Leadville holds roughly 0.1% of all residents, the 102nd-largest share among 270 places. For population change between 2020 and 2023, Leadville ranks 126th of 270 in Colorado (about the 53th percentile). Its roughly 2,239 residents per square mile place it 35th among Colorado's places. By land area, its 1.2 square miles rank 156th of 270 places in Colorado.
What is available to Leadville borrowers
At roughly 2,239 people per square mile, Leadville is fairly dense; 11 larger places lie within 50 miles. What is available to Leadville's 2,628 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Breckenridge, CO about 22 miles away.
Common questions
What are my options in Leadville if my credit is poor?
What loan size can I expect in Leadville?
Do I have to pledge anything to borrow in Leadville?
Does comparing loans in Leadville cost me credit score points?
Nearby places
- Alma, CO — population 312
- Red Cliff, CO — population 243
- Fairplay, CO — population 738
- Minturn, CO — population 967
- Blue River, CO — population 852
- Breckenridge, CO — population 4,940
- Frisco, CO — population 2,763
- Vail, CO — population 4,521