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Personal loans in Walsh, CO

Walsh counts about 512 people, and what is genuinely local about borrowing here is limited — Colorado law does the governing. The Census counts 512 people in Walsh, the 194th-largest figure among Colorado's 270 places. Judge Walsh offers on total cost, not on how quickly the money arrives. Walsh shed about 5.7% of its population between the 2020 base and the 2023 estimate. Rate ceilings, licensing requirements and product limits for Walsh are all set at the Colorado level. For a bigger market, look to Springfield, CO about 19 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.

Walsh by the numbers

Walsh is a small community; the notes below cover its population profile and the statewide rules that apply.

Where Walsh sits in Colorado

Among Colorado's 270 places, Walsh sits at 194th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 258th of 270 Colorado places, putting it near the 4th percentile for growth. By density, at about 1,145 people per square mile, it ranks 131st in Colorado. In land area, Walsh ranks 211th among Colorado's 270 places.

Colorado rules behind a Walsh personal loan

Below are the Colorado rules that apply to a loan made in Walsh, each with the regulator that issued it.

RuleDetailSource
State lending regulatorColorado 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 licensingSupervised 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

The geography behind Walsh

Inside Walsh's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 1,145 residents per square mile. The state's population centre of gravity, Denver, is roughly 216 miles away. Walsh has 6 larger places within a 50-mile radius. Within the same 50 miles lie 10 smaller Census places.

Inside a Walsh personal loan

A Walsh personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 512 residents. A lender serving Walsh's 512 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Walsh loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Walsh

For Walsh's roughly 512 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Colorado regulator's licence records before you sign.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Walsh-specific: the same Colorado licensing and disclosure rules reach all 512 residents.

Compare personal 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.

Common questions

What are my options in Walsh 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 Walsh is the same as anywhere in Colorado.
What loan size can I expect in Walsh?
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 Walsh?
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 Walsh 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.

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