Personal loans in Wray, CO

Population in Wray dropped about 0.9% over the three years from 2020 to 2023. Rate ceilings, licensing requirements and product limits for Wray are all set at the Colorado level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wray loan. A larger market lies at Yuma, CO about 26 miles away.

What the Census records for Wray

What follows is Wray's place in the Census record, alongside the Colorado rules that govern a personal loan made here.

• Population: a Census-estimated 2,315, 110th among Colorado's 270 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.9%.
• Net change: roughly 21 fewer people than the 2020 Census counted.
• Size percentile: roughly 59% of Colorado places rank below Wray.
• Density: the Census land area of 3.5 sq mi holds about 669 people per square mile.
• By land area: Wray ranks 91st among Colorado's 270 places, at 3.5 sq mi.
• State population share: Wray accounts for about 0.1% of everyone in Colorado.
• National rank: Wray sits 7,091st by population among the 19,457 places in this dataset.
• Growth rank: Wray's 2020-to-2023 change ranks 141st of 270 places in Colorado.
• Versus Colorado: the state average change is +2.3%, while Wray moved 0.9%.
• Density rank: Wray is the 192nd most densely settled place in Colorado.
• Density in context: Wray's 669 people per square mile sit against a Colorado median of 1,126.
• Location: 40.0799, -102.2286 (US Census Bureau Gazetteer).
• Nearest larger cities: Yuma (26 mi); Burlington (54 mi); Goodland (57 mi); Sterling (63 mi); Brush (75 mi). Larger metros often have more branches, but online lenders reach Wray on the same terms.
• Smaller communities within reach: Eckley (14 mi); Haigler (16 mi); St. Francis (31 mi).
• Smaller places within 50 miles: 13 of them.
• Within 100 miles: 10 places are larger than Wray.

How Wray compares across Colorado

Against Colorado's other places, Wray accounts for about 0.1% of the state's population and ranks 110th of 270 by size. Its 2020-to-2023 change ranks 141st of 270 Colorado places, putting it near the 48th percentile for growth. By density, at about 669 people per square mile, it ranks 192nd in Colorado. By land area, its 3.5 square miles rank 91st of 270 places in Colorado.

Borrowing reach in Wray

Wray is a moderately settled community of about 2,315 people, with 1 larger places inside a 50-mile radius. A Colorado licence lets a lender serve Wray without a local office, so branch density does not change what its 2,315 residents are offered. The nearest larger city, Yuma, CO about 26 miles away.

A pre-application checklist for Wray

For Wray's roughly 2,315 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Colorado licence with the regulator named above before committing.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

In Wray as elsewhere in Colorado, the written terms — not the advertisement — are what count for its 2,315 residents.

What Colorado law requires in Wray

Colorado has no separate rate rule for Wray; the sourced rows below are what reach every lender that serves its 2,315 people.

The anatomy of a Wray personal loan

Wray is a small community of about 2,315 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Wray lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Wray loan but raises total interest, so the smallest payment is not the cheapest loan.