Personal loans in Rangely, CO
When you compare personal loans in Rangely, Colorado, the figure to hold side by side is the APR, not the advertised rate. An estimated 2,286 people make their home in Rangely, a figure that ranks 113th in Colorado. Census figures put the 2020-to-2023 decrease at about 0.8%. State law, not city hall, decides what a lender may do in Colorado, and a state regulator supervises it; the source is named below. Judge offers on total cost, not on how quickly the money arrives. The next larger city is Naples, UT about 44 miles away.
Borrowing in Rangely: the local picture
Most of what governs a Rangely loan is written in Colorado law rather than in the city; the sourced notes below make that split concrete.
- Population: 2,286 people, a figure that places Rangely 113th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
- Population trend: Down about 0.8% from the 2020 Census base to the 2023 estimate.
- Size percentile: roughly 58% of Colorado's places have fewer residents.
- Location: latitude 40.0870, longitude -108.7833 (Census Gazetteer).
- Nearest larger cities: Naples (44 mi); Meeker (47 mi); Vernal (47 mi); Fruita (64 mi); Roosevelt (65 mi). Living near a larger metro rarely changes what is available in Rangely.
- Smaller communities close by: Dinosaur (16 mi); Parachute (59 mi); De Beque (62 mi), each with its own Census population profile.
What Colorado law requires in Rangely
Every row below records a Colorado rule, its publisher and its retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
What a Rangely personal loan looks like
In Rangely, as throughout Colorado, federal Truth in Lending rules require a lender to disclose the APR and finance charge before you sign. A lender who will not put the terms in writing is a reason to walk away. Whatever the offer, the loan should fit a budget you can already meet.
A pre-application checklist for Rangely
Complete these steps first when you borrow in Rangely:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes 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.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
Common questions
What are my options in Rangely 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 Rangely is the same as anywhere in Colorado.
What loan size can I expect in Rangely?
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 Rangely?
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 Rangely 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
- Dinosaur, CO — population 246
- Naples, UT — population 2,466
- Vernal, UT — population 10,557
- Meeker, CO — population 2,368
- Fruita, CO — population 13,816
- De Beque, CO — population 477
- Parachute, CO — population 1,365
- Grand Junction, CO — population 69,412