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Personal loans in Yuma, CO

With roughly 3,401 residents, Yuma is a small community, and the lending rules its borrowers live under are written in Colorado, not by the city. Census figures put the 2020-to-2023 decrease in Yuma at about 1.5%. With 3,401 residents, Yuma outranks about 66% of the communities in Colorado. Verify the lender's Colorado licence against the regulator named below before borrowing in Yuma. For the 3,401 people in Yuma, Colorado runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Sterling, CO about 43 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.

Local context for Yuma

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

Colorado consumer-lending rules applied in Yuma

Every row below records a Colorado rule, its publisher and its retrieval date — the same rules a Yuma lender must follow.

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

How Yuma compares across Colorado

Within Colorado, Yuma holds roughly 0.1% of all residents, the 92nd-largest share among 270 places. For population change between 2020 and 2023, Yuma ranks 171st of 270 in Colorado (about the 37th percentile). At about 1,039 people per square mile, Yuma is the 142nd most densely settled place in Colorado. Within 50 miles sit 13 smaller Census places, alongside the 2 that are larger.

What is available to Yuma borrowers

At roughly 1,039 people per square mile, Yuma is moderately settled; 2 larger places lie within 50 miles. Distance to a branch rarely matters for Yuma's 3,401 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Sterling, CO about 43 miles away.

Where Yuma sits

Yuma covers about 3.3 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). With 3,401 residents, the land area yields roughly 1,039 people per square mile. Denver, the largest place in Colorado, is about 117 miles from Yuma. Counting outward 50 miles, 2 larger communities surround Yuma. By land area it ranks 96th of 270 Colorado places.

How a Yuma personal loan is priced

In Yuma, a small community of about 3,401, 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 Yuma can be quoted different APRs on the same amount and term. Shortening the term on a Yuma loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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