Personal loans in Loveland, CO

At about 79,352 residents, Loveland is larger than roughly 94% of the places in Colorado. A lender serving Loveland holds a Colorado licence and answers to a Colorado regulator; no city office is involved for its 79,352 residents.

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

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Loveland added about 3.9% to its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Loveland lender. When Colorado caps or restricts a product, lenders either change the terms or withdraw it from Loveland as from the rest of the state. The closest larger city is Fort Collins, CO about 9 miles away.

Loveland: population, trend and location

Read the local figures below as context; read the sourced Colorado table as the rulebook a lender here must follow.

Population: about 79,352, ranked 15th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
Population trend: A rise of about 3.9% from 2020 to 2023.
People gained or lost: about 2,988 more since the 2020 base.
Size percentile: Loveland's 79,352 people outrank roughly 94% of the places in Colorado.
Population density: 2,214 people per square mile on 35.8 square miles of land.
By land area: Loveland ranks 12th among Colorado's 270 places, at 35.8 sq mi.
Water area rank: Loveland ranks 6th among Colorado's 270 places, with 1.50 sq mi.
Share of Colorado: Loveland holds about 1.8% of the state's population, some 79,352 people.
National rank: Loveland is the 456th most populous of the 19,457 Census places covered here.
Growth in Colorado: Loveland stands 59th by percentage change from 2020 to 2023, among 270 places.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Loveland's 3.9%.
Density rank: Loveland places 37th among Colorado's places by people per square mile.
Density in context: Loveland's 2,214 people per square mile sit against a Colorado median of 1,126.
Location: 40.4169 / -105.0631, per the US Census Bureau Gazetteer.
Nearest larger cities: Fort Collins (9 mi); Greeley (15 mi); Longmont (17 mi); Boulder (29 mi); Thornton (35 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller towns: Windsor (9 mi); Timnath (10 mi); Berthoud (10 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 48 of them.
Within 100 miles: 12 places are larger than Loveland.

What shapes a Loveland personal loan

Most loans made to Loveland's 79,352 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Loveland loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Loveland loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Loveland borrowers

These steps shape the offer you get in Loveland, a place of about 79,352 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Confirm the lender holds a Colorado licence by checking the regulator named above.
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.
Test the payment against your current bills before you commit.

In Loveland as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 79,352 residents.

How Colorado law applies in Loveland

Below are the Colorado rules that apply to a loan made in Loveland, each with the regulator that issued it.

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
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

Loveland in state context

Against Colorado's other places, Loveland accounts for about 1.8% of the state's population and ranks 15th of 270 by size. On the 2020-to-2023 trend, Loveland stands 59th among Colorado's 270 places — roughly the 78th percentile. By density, at about 2,214 people per square mile, it ranks 37th in Colorado. Within 50 miles sit 48 smaller Census places, alongside the 9 that are larger.

How lenders reach Loveland

With about 2,214 residents per square mile, Loveland is fairly dense, and 9 larger Census places sit within 50 miles. What is available to Loveland's 79,352 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 Fort Collins, CO about 9 miles away.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Loveland?

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 Loveland?

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 Loveland 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

Fort Collins, CO — population 170,376
Timnath, CO — population 9,991
Windsor, CO — population 40,349
Berthoud, CO — population 13,238
Johnstown, CO — population 19,511
Mead, CO — population 6,450
Severance, CO — population 10,820
Milliken, CO — population 9,084