Personal loans in Silverthorne, CO

The Census estimates 4,940 residents in Silverthorne, which ranks it 80th of 270 places in Colorado. From the 2020 Census base to the 2023 estimate, the population rose by about 12.1%.

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

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The first question in Silverthorne is not the rate on offer but whether the payment fits; about 4,940 people live here under Colorado lending law. Consumer lending that reaches Silverthorne's 4,940 residents is governed by Colorado statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Silverthorne. For a bigger market, look to Avon, CO about 23 miles away.

Silverthorne by the numbers

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

Population: 4,940 people, a figure that places Silverthorne 80th among the 270 Census places in Colorado (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 12.1% since the 2020 count.
Net change: roughly 535 more people than the 2020 Census counted.
Size percentile: Silverthorne's 4,940 people outrank roughly 70% of the places in Colorado.
Population density: about 1,217 people per square mile (Census land area 4.1 sq mi).
By land area: Silverthorne ranks 82nd among Colorado's 270 places, at 4.1 sq mi.
Water: Silverthorne holds about 0.07 square miles, the 59th-largest water area in Colorado.
State population share: Silverthorne accounts for about 0.1% of everyone in Colorado.
National rank: Silverthorne sits 4,866th by population among the 19,457 places in this dataset.
Growth rank: Silverthorne ranks 25th among Colorado's 270 places for the 2020-to-2023 change.
Against the state trend: Silverthorne's 12.1% change compares with a Colorado average of +2.3% across its 270 places.
Density in Colorado: Silverthorne ranks 122nd by people per square mile.
Density vs Colorado: Silverthorne's 1,217 people per square mile compare with a state median of 1,126.
Location: latitude 39.6599, longitude -106.0891 (Census Gazetteer).
Nearest larger cities: Avon (23 mi); Eagle (39 mi); Gypsum (46 mi); Golden (47 mi); Boulder (51 mi). Living near a larger metro rarely changes what is available in Silverthorne.
Nearest smaller places: Dillon (3 mi); Frisco (6 mi); Montezuma (13 mi).
Within a 50-mile radius: 26 smaller Census places.
At 100 miles: 63 larger Census places fall inside that radius.

Silverthorne against the rest of Colorado

Among Colorado's 270 places, Silverthorne sits at 80th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 25th of 270 Colorado places, putting it near the 91th percentile for growth. By density, at about 1,217 people per square mile, it ranks 122nd in Colorado. Between 2020 and 2023 the count changed by roughly 535 residents.

How lenders reach Silverthorne

With about 1,217 residents per square mile, Silverthorne is moderately settled, and 4 larger Census places sit within 50 miles. A Colorado licence lets a lender serve Silverthorne without a local office, so branch density does not change what its 4,940 residents are offered. The nearest bigger place is Avon, CO about 23 miles away.

Inside a Silverthorne personal loan

A Silverthorne personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,940 residents. Federal Truth in Lending rules require a Silverthorne lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Silverthorne loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Silverthorne borrowers

These steps shape the offer you get in Silverthorne, a place of about 4,940 people:

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.
Decide the purpose and how you will repay it before approaching any lender.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Look for an origination fee or prepayment penalty in the written disclosure.

In Silverthorne as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 4,940 residents.

Which Colorado laws govern a loan in Silverthorne

This table holds the Colorado rate and licensing rules for consumer loans made to Silverthorne's 4,940 residents.

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
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

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Common questions

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

What loan size can I expect in Silverthorne?

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 Silverthorne?

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 Silverthorne 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

Dillon, CO — population 1,016
Frisco, CO — population 2,763
Breckenridge, CO — population 4,940
Blue River, CO — population 852
Montezuma, CO — population 72
Vail, CO — population 4,521
Minturn, CO — population 967
Red Cliff, CO — population 243