Personal loans in Williamsburg, CO
A 2020-to-2023 comparison shows Williamsburg up by about 5.1%. If you are weighing a personal loan in Williamsburg, start from the payment you can carry; its 765 residents face the same statewide rules. Williamsburg is one of 270 Census places in Colorado; its 765 residents put it at 167th. A larger market lies at Florence, CO about 4 miles away. A lender that serves Williamsburg operates under Colorado lending statutes and a Colorado supervisor. For a community of about 765, the practical step is to compare APR across at least three lenders before committing.
Williamsburg by the numbers
The figures below are Williamsburg's own — Census population, land area and coordinates — followed by the Colorado rules.
- Population: an estimated 765 residents, 167th of 270 places in Colorado (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 5.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 37 residents.
- Size percentile: with 765 residents, Williamsburg is larger than about 38% of Colorado's Census places.
- Land and density: 3.5 square miles of land carry roughly 217 residents per square mile.
- Land area rank: Williamsburg's 3.5 square miles rank 89th of 270 places in Colorado.
- Share of state population: Williamsburg's 765 residents are about 0.0% of Colorado.
- National standing: Williamsburg ranks 11,389th of 19,457 US places.
- Growth rank: Williamsburg's 2020-to-2023 change ranks 48th of 270 places in Colorado.
- State comparison: Colorado's places average +2.3% for 2020-to-2023, against Williamsburg's 5.1%.
- Density rank: Williamsburg is the 250th most densely settled place in Colorado.
- Density in context: Williamsburg's 217 people per square mile sit against a Colorado median of 1,126.
- Location: 38.3840 / -105.1710, per the US Census Bureau Gazetteer.
- Nearest larger cities: Florence (4 mi); Cañon City (5 mi); Cripple Creek (25 mi); Pueblo (31 mi); Fountain (34 mi). Lenders licensed in the state serve Williamsburg whether or not they keep a local branch.
- Smaller places nearby: Rockvale (1 mi); Coal Creek (2 mi); Brookside (2 mi).
- Smaller neighbours: 10 places smaller than Williamsburg sit within 50 miles.
- At 100 miles: 55 larger Census places fall inside that radius.
Colorado consumer-lending rules applied in Williamsburg
Below are the Colorado rules that apply to a loan made in Williamsburg, each with the regulator that issued it.
| 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 |
Williamsburg: area, density and distance
Inside Williamsburg's boundaries lie about 3.5 square miles of land, with no significant water area recorded. The resulting density is about 217 people per square mile. Denver, the largest place in Colorado, is about 96 miles from Williamsburg. Counting outward 50 miles, 10 larger communities surround Williamsburg. The 100-mile radius contains 55 larger places.
Inside a Williamsburg personal loan
Most loans made to Williamsburg's 765 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Williamsburg lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Williamsburg loan is knowable in advance — unlike a revolving card balance.
Williamsburg in state context
Set beside Colorado's 270 places, Williamsburg ranks 167th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Williamsburg ranks 48th of 270 in Colorado (about the 82th percentile). By density, at about 217 people per square mile, it ranks 250th in Colorado. The population moved by about 37 people between 2020 and 2023, a 5.1% shift.
Lender access in Williamsburg
Williamsburg is lightly settled, with about 217 people per square mile and 10 larger places within 50 miles. A Colorado licence lets a lender serve Williamsburg without a local office, so branch density does not change what its 765 residents are offered. The nearest bigger place is Florence, CO about 4 miles away.
Common questions
What are my options in Williamsburg if my credit is poor?
What loan size can I expect in Williamsburg?
Do I have to pledge anything to borrow in Williamsburg?
Does comparing loans in Williamsburg cost me credit score points?
Nearby places
- Rockvale, CO — population 533
- Brookside, CO — population 243
- Coal Creek, CO — population 367
- Florence, CO — population 3,862
- Cañon City, CO — population 17,241
- Victor, CO — population 364
- Silver Cliff, CO — population 707
- Cripple Creek, CO — population 1,117