Personal loans in Ophir, CO

A 2020-to-2023 comparison shows Ophir down by about 3.6%. In Ophir, one of 270 Census places in Colorado, the figure to compare across lenders is the APR, not the advertised rate. At about 190 residents, Ophir is larger than roughly 12% of the places in Colorado. The closest larger city is Mountain Village, CO about 5 miles away. A lender that serves Ophir operates under Colorado lending statutes and a Colorado supervisor. Judge Ophir offers on total cost, not on how quickly the money arrives.

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

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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.

Where Ophir stands

Two layers matter for a Ophir borrower: the local population picture and Colorado's consumer-lending statutes.

Population: 190 residents; Ophir is the 238th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
Population trend: About 3.6% below the 2020 Census base.
Absolute change: 7 residents lost between 2020 and 2023.
Size percentile: roughly 12% of Colorado's places have fewer residents than Ophir's 190.
Population density: about 809 people per square mile (Census land area 0.2 sq mi).
Land area rank: Ophir's 0.2 square miles rank 247th of 270 places in Colorado.
Share of Colorado: Ophir holds about 0.0% of the state's population, some 190 people.
National rank: Ophir sits 16,627th by population among the 19,457 places in this dataset.
Growth rank: Ophir ranks 226th among Colorado's 270 places for the 2020-to-2023 change.
Versus Colorado: the state average change is +2.3%, while Ophir moved 3.6%.
Density rank: Ophir places 174th among Colorado's places by people per square mile.
Density vs Colorado: Ophir's 809 people per square mile compare with a state median of 1,126.
Location: it lies at 37.8568, -107.8312 in the Census Gazetteer.
Nearest larger cities: Mountain Village (5 mi); Telluride (6 mi); Silverton (10 mi); Ouray (15 mi); Rico (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places close by: Sawpit (13 mi); Pitkin (88 mi); Marble (91 mi).
Smaller neighbours: 1 places smaller than Ophir sit within 50 miles.
At 100 miles: 45 larger Census places fall inside that radius.

Colorado rules behind a Ophir personal loan

Colorado has no separate rate rule for Ophir; the sourced rows below are what reach every lender that serves its 190 people.

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

Ophir: area, density and distance

Ophir's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 190 residents, the land area yields roughly 809 people per square mile. Denver, the largest place in Colorado, is about 206 miles from Ophir. Counting outward 50 miles, 16 larger communities surround Ophir. The 100-mile radius contains 45 larger places.

What is available to Ophir borrowers

At roughly 809 people per square mile, Ophir is moderately settled; 16 larger places lie within 50 miles. A Colorado licence lets a lender serve Ophir without a local office, so branch density does not change what its 190 residents are offered. For a larger market, the closest option is Mountain Village, CO about 5 miles away.

Ophir against the rest of Colorado

Against Colorado's other places, Ophir accounts for about 0.0% of the state's population and ranks 238th of 270 by size. For population change between 2020 and 2023, Ophir ranks 226th of 270 in Colorado (about the 16th percentile). Its roughly 809 residents per square mile place it 174th among Colorado's places. In land area, Ophir ranks 247th among Colorado's 270 places.

A practical checklist for Ophir borrowers

A sensible order of operations for a loan in Ophir, home to about 190 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for 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.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Ophir-specific: the same Colorado licensing and disclosure rules reach all 190 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Ophir?

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 Ophir?

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 Ophir 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

Mountain Village, CO — population 1,230
Telluride, CO — population 2,525
Silverton, CO — population 713
Sawpit, CO — population 35
Ouray, CO — population 920
Rico, CO — population 332
Ridgway, CO — population 1,247
Norwood, CO — population 529