Breckenridge at a glance
- Population: 4,940 residents, the 79th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 5,078 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.7% below the 2020 Census base (US Census Bureau).
- Rank among Colorado places: 79th-largest of 270 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 71% of places in Colorado are smaller (US Census Bureau).
- Coordinates: it sits at 39.4995, -106.0432 in the US Census Bureau Gazetteer.
- Nearest larger cities: Avon, CO (27 mi); Eagle, CO (43 mi); Aspen, CO (47 mi); Golden, CO (47 mi); Gypsum, CO (49 mi), each a US Census place with its estimated population.
- Smaller places close by: Blue River, CO (4 mi); Frisco, CO (6 mi); Dillon, CO (9 mi) (US Census Bureau).
What a personal loan costs in Breckenridge
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Colorado lending rules that apply in Breckenridge
The table carries the Colorado rate and licensing rules that apply to consumer loans made in Breckenridge.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
How to compare offers in Breckenridge
The steps below are worth completing first when you borrow in Breckenridge:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Colorado using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.