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.

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

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.

Williamsburg by the numbers

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

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.

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
Payday lending statusPermitted 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 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

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.

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 Williamsburg 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 Williamsburg is the same as anywhere in Colorado.
What loan size can I expect in Williamsburg?
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 Williamsburg?
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 Williamsburg 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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