Personal loans in Pueblo, CO

For a borrower among the roughly 111,077 residents of Pueblo, a personal loan is a tool whose cost turns on the terms, not the address. Compare APR, not the interest rate, because the APR folds in most fees on a Pueblo loan. Pueblo ranks 10th of 270 places in Colorado, with a population near 111,077. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Pueblo's 111,077 residents. Census figures put the 2020-to-2023 decrease in Pueblo at about 0.7%. The closest larger place is Colorado Springs, CO about 42 miles away.

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

Compare loan offers Run the numbers first

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.

Pueblo: population, trend and location

The figures below are Pueblo's own — Census population, land area and coordinates — followed by the Colorado rules.

Population: 111,077 — Pueblo ranks 10th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 0.7% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 794 residents.
Size percentile: Pueblo sits ahead of around 96% of Colorado places, at 111,077 people.
Population density: about 1,962 people per square mile across 56.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Pueblo ranks 5th among Colorado's 270 places, at 56.6 sq mi.
Water area: Pueblo has 0.69 square miles of water, ranking 13th of 270 places in Colorado.
Share of Colorado: Pueblo holds about 2.5% of the state's population, some 111,077 people.
National rank: Pueblo sits 271st by population among the 19,457 places in this dataset.
Growth in Colorado: Pueblo stands 136th by percentage change from 2020 to 2023, among 270 places.
State comparison: Colorado's places average +2.3% for 2020-to-2023, against Pueblo's 0.7%.
Density rank: Pueblo is the 50th most densely settled place in Colorado.
Density in context: Pueblo's 1,962 people per square mile sit against a Colorado median of 1,126.
Location: latitude 38.2692, longitude -104.6108 (Census Gazetteer).
Nearest larger cities: Colorado Springs (42 mi); Aurora (100 mi); Lakewood (102 mi); Denver (104 mi); Arvada (112 mi). Online lenders reach Pueblo no matter how far the nearest branch is.
Smaller places close by: Boone (19 mi); Florence (28 mi); Fountain (29 mi).
Smaller places within 50 miles: 20 of them.
At 100 miles: 2 larger Census places fall inside that radius.

Pueblo's place among Colorado's 270 places

Pueblo is the 10th-largest of 270 Census places in Colorado and contains about 2.5% of the state's people. Its 2020-to-2023 change ranks 136th of 270 Colorado places, putting it near the 50th percentile for growth. By density, at about 1,962 people per square mile, it ranks 50th in Colorado. By land area, its 56.6 square miles rank 5th of 270 places in Colorado.

The anatomy of a Pueblo personal loan

Most loans made to Pueblo's 111,077 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Pueblo lender to disclose the APR and finance charge before you sign. The term you choose in Pueblo decides the split between a comfortable payment and the total interest you pay.

What is available to Pueblo borrowers

Pueblo is a moderately settled community of about 111,077 people, with 1 larger places inside a 50-mile radius. What is available to Pueblo's 111,077 borrowers is set by Colorado licensing and your own credit, not by how many branches are nearby. The nearest larger city, Colorado Springs, CO about 42 miles away.

Colorado consumer-lending rules applied in Pueblo

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Pueblo 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

Before you apply in Pueblo

Complete these steps first when you borrow in Pueblo (111,077 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Check the Colorado regulator's records to confirm the lender is licensed here.
Be clear on what the loan is for and how it gets repaid.
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.

The process is identical across Colorado; what changes is your credit file, not the fact that Pueblo holds 111,077 people.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Pueblo?

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 Pueblo?

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 Pueblo 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

Boone, CO — population 309
Fountain, CO — population 28,489
Rye, CO — population 203
Florence, CO — population 3,862
Coal Creek, CO — population 367
Rockvale, CO — population 533
Williamsburg, CO — population 765
Brookside, CO — population 243