Personal loans in Red Cliff, CO

Borrowing in Red Cliff: the local picture

What follows is Red Cliff's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

• Population: 243 — Red Cliff ranks 229th of 270 communities in Colorado (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 5.1% since the 2020 count.
• People gained or lost: about 13 fewer since the 2020 base.
• Size percentile: Red Cliff's 243 people outrank roughly 15% of the places in Colorado.
• Population density: 996 people per square mile on 0.2 square miles of land.
• Land area: Red Cliff covers 0.2 square miles, the 245th-largest area among Colorado's 270 places.
• Share of Colorado: Red Cliff holds about 0.0% of the state's population, some 243 people.
• National rank: Red Cliff is 15,861st of 19,457 places nationwide.
• Growth rank: Red Cliff ranks 252nd among Colorado's 270 places for the 2020-to-2023 change.
• Against the state trend: Red Cliff's 5.1% change compares with a Colorado average of +2.3% across its 270 places.
• Density in Colorado: Red Cliff ranks 150th by people per square mile.
• Density in context: Red Cliff's 996 people per square mile sit against a Colorado median of 1,126.
• Location: 39.5093, -106.3699 (Census Gazetteer coordinates).
• Nearest larger cities: Minturn (2 mi); Vail (9 mi); Avon (12 mi); Frisco (16 mi); Breckenridge (17 mi). Living near a larger metro rarely changes what is available in Red Cliff.
• Nearest smaller towns: Montezuma (27 mi); Silver Plume (37 mi); Black Hawk (51 mi) — useful context for the surrounding area.
• Smaller neighbours: 2 places smaller than Red Cliff sit within 50 miles.
• At 100 miles: 116 larger Census places fall inside that radius.

Red Cliff against the rest of Colorado

Set beside Colorado's 270 places, Red Cliff ranks 229th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Red Cliff ranks 252nd of 270 in Colorado (about the 7th percentile). At about 996 people per square mile, Red Cliff is the 150th most densely settled place in Colorado. By land area, its 0.2 square miles rank 245th of 270 places in Colorado.

Red Cliff on the map

The Census Gazetteer records about 0.2 square miles of land within Red Cliff, with no significant water area listed. That land carries about 996 people per square mile. For the state's biggest city, Denver, the distance is roughly 81 miles. A 50-mile radius around Red Cliff takes in 27 places that are larger. By land area it ranks 245th of 270 Colorado places.

The anatomy of a Red Cliff personal loan

A Red Cliff personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 243 residents. Federal Truth in Lending rules require a Red Cliff lender to disclose the APR and finance charge before you sign. The term you choose in Red Cliff decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Red Cliff

This table holds the Colorado rate and licensing rules for consumer loans made to Red Cliff's 243 residents.

A practical checklist for Red Cliff borrowers

A sensible order of operations for a loan in Red Cliff, home to about 243 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Colorado licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Red Cliff and the rest of Colorado is not the process but the borrower's own file, among the 243 people here.