Personal loans in Evans, CO
With about 22,326 residents, Evans ranks 29th by population among the 270 Census places in Colorado. Its population grew about 0.7% between the 2020 Census base and the 2023 estimate. If you are shopping for a personal loan in Evans, the rules that govern the loan are Colorado's statewide consumer-lending statutes, and the nearest larger metro is Greeley, CO about 5 miles away.
What is specific to borrowing in Evans
- Population: 22,326 (US Census Bureau, Vintage 2023 subcounty estimate) — the 29th-largest place of 270 in Colorado.
- Population trend: Its population grew about 0.7% between the 2020 Census base and the 2023 estimate.
- Size percentile: larger than about 89% of the Census places in Colorado.
- Location: 40.3502, -104.7484 (US Census Bureau Gazetteer).
- Nearest larger cities: Greeley (5 mi); Windsor (12 mi); Loveland (17 mi); Fort Collins (22 mi); Longmont (22 mi). Larger metros often have more walk-in branches, but online lenders serve Evans on the same terms.
- Nearest smaller towns: La Salle (2 mi); Garden City (4 mi); Gilcrest (5 mi).
Colorado lending rules that apply in Evans
| 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 a personal loan works in Evans
Most loans offered to Evans residents are unsecured, meaning no collateral is pledged and the lender relies on your credit history instead. That is why the quoted APR moves so much with your credit score: a borrower with excellent credit may see a single-digit APR, while a borrower with damaged credit may see rates in the high twenties or thirties. Checking your credit report before you apply — and disputing any error — is the highest-leverage step you can take.
Before you apply in Evans
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run the numbers with our personal loan calculator so you know the payment before a lender tells you.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check the lender is licensed in Colorado using the regulator listed above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.
Advertising disclosure: Loansloth may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.
Frequently asked questions
Can I get a personal loan with bad credit in Evans?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Evans are the same as elsewhere in Colorado.
How much can I borrow with a personal loan in Evans?
Most personal loans range from about $1,000 to $50,000, but the amount you are approved for depends on the lender and your income and credit. Use our personal loan calculator to model the payment before you apply.
Does a personal loan in Evans require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Evans hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.
Nearby places
- La Salle, CO — population 2,301
- Greeley, CO — population 112,609
- Garden City, CO — population 250
- Gilcrest, CO — population 1,020
- Milliken, CO — population 9,084
- Platteville, CO — population 2,898
- Johnstown, CO — population 19,511
- Kersey, CO — population 1,491