Crawford at a glance
- Population: 407 residents, the 204th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- 2020 Census base: 398 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Colorado places: 204th-largest of 270 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 24% of the places in Colorado (US Census Bureau).
- Coordinates: 38.7050 latitude, -107.6096 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hotchkiss, CO (9 mi); Paonia, CO (11 mi); Orchard City, CO (21 mi); Montrose, CO (21 mi); Olathe, CO (21 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Marble, CO (34 mi); Collbran, CO (42 mi); Sawpit, CO (53 mi) — US Census Bureau populations.
What a personal loan costs in Crawford
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Colorado lending rules that apply in Crawford
Read the table as the compliance picture for a lender serving Crawford: label, sourced figure, publisher and date.
| 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 Crawford
The order below is a sensible way to approach a loan in Crawford:
- 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.