Pagosa Springs at a glance
- Population: a Census-estimated 1,773, placing it 122nd among Colorado's 270 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,605 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 10.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Colorado places: 122nd in population of 270 places (US Census Bureau).
- Size percentile: ahead of around 55% of Colorado places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.2634, -107.0036.
- Nearest larger cities: Bayfield, CO (33 mi); Durango, CO (48 mi); Monte Vista, CO (52 mi); Center, CO (59 mi); Aztec, NM (62 mi); each population is a US Census Bureau estimate.
- Smaller places close by: South Fork, CO (34 mi); Chama, NM (35 mi); Ignacio, CO (36 mi) (US Census Bureau).
What a personal loan costs in Pagosa Springs
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Pagosa Springs
Read the table as the compliance picture for a lender serving Pagosa Springs: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 to compare offers in Pagosa Springs
Before you share your details with a lender in Pagosa Springs:
- 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.