Personal loans in Windsor, CO

With an estimated 40,349 residents, Windsor is the 22nd-largest of 270 places in Colorado. The first question in Windsor is not the rate on offer but whether the payment fits; about 40,349 people live here under Colorado lending law.

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.

Use the calculator on this page to price an amount and term before you commit in Windsor. A lender that serves Windsor operates under Colorado lending statutes and a Colorado supervisor. Windsor gained roughly 23.3% in population across the 2020-to-2023 comparison. The nearest larger city is Greeley, CO about 9 miles away.

Windsor: the sourced local profile

Two layers matter for a Windsor borrower: the local population picture and Colorado's consumer-lending statutes.

How Windsor compares across Colorado

Against Colorado's other places, Windsor accounts for about 0.9% of the state's population and ranks 22nd of 270 by size. For population change between 2020 and 2023, Windsor ranks 13th of 270 in Colorado (about the 95th percentile). Its roughly 1,534 residents per square mile place it 82nd among Colorado's places. In land area, Windsor ranks 20th among Colorado's 270 places.

The geography behind Windsor

The Census Gazetteer records 26.3 square miles of land and 1.18 square miles of water within Windsor. Spread across it are roughly 1,534 residents per square mile. The largest place in Colorado, Denver, lies about 50 miles away. Counting outward 50 miles, 13 larger communities surround Windsor. By land area it ranks 20th of 270 Colorado places.

Getting a loan in Windsor

At roughly 1,534 people per square mile, Windsor is moderately settled; 13 larger places lie within 50 miles. Distance to a branch rarely matters for Windsor's 40,349 residents: the application is online and the price follows your credit file. The nearest larger city, Greeley, CO about 9 miles away.

What shapes a Windsor personal loan

In Windsor, a smaller city of about 40,349, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Windsor can be quoted different APRs on the same amount and term. The term you choose in Windsor decides the split between a comfortable payment and the total interest you pay.

What Colorado law requires in Windsor

Colorado has no separate rate rule for Windsor; the sourced rows below are what reach every lender that serves its 40,349 people.

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