Castle Pines at a glance
- Population: the Census estimates 14,747 residents, ranking 39th of 270 places in Colorado (Vintage 2023).
- 2020 Census base: 11,036 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 33.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Colorado places: 39th out of 270 Census places (US Census Bureau).
- Size percentile: about 86% of Colorado's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.4625, -104.8706.
- Nearest larger cities within 120 miles: Parker, CO (6 mi); Castle Rock, CO (6 mi); Centennial, CO (9 mi); Greenwood Village, CO (11 mi); Littleton, CO (12 mi) (US Census Bureau).
- Smaller places close by: Lone Tree, CO (5 mi); Foxfield, CO (10 mi); Columbine Valley, CO (13 mi) (US Census Bureau).
What a personal loan costs in Castle Pines
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Colorado lending rules that apply in Castle Pines
The sourced rows below are the rules a licensed lender must follow when lending in Colorado, and therefore in Castle Pines.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Castle Pines
The steps below are worth completing first when you borrow in Castle Pines:
- 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.