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%.

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

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.

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.

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.

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
Small-loan / installment lender licensingSupervised 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.

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 Leadville 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 Leadville is the same as anywhere in Colorado.
What loan size can I expect in Leadville?
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 Leadville?
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 Leadville 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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