Personal loans in Williamsburg, CO
Personal loans in Williamsburg, Colorado work the same way they do across the state: you apply, a lender reviews your credit and income, and it prices the loan to the risk it sees. Williamsburg has about 765 residents and ranks 167th in Colorado by population. Its population grew about 5.1% between the 2020 Census base and the 2023 estimate. The closest larger city is Florence, CO about 4 miles away.
What is specific to borrowing in Williamsburg
- Population: 765 (US Census Bureau, Vintage 2023 subcounty estimate) — the 167th-largest place of 270 in Colorado.
- Population trend: Its population grew about 5.1% between the 2020 Census base and the 2023 estimate.
- Size percentile: larger than about 38% of the Census places in Colorado.
- Location: 38.3840, -105.1710 (US Census Bureau Gazetteer).
- Nearest larger cities: Florence (4 mi); Cañon City (5 mi); Cripple Creek (25 mi); Pueblo (31 mi); Fountain (34 mi). Larger metros often have more walk-in branches, but online lenders serve Williamsburg on the same terms.
- Nearest smaller towns: Rockvale (1 mi); Coal Creek (2 mi); Brookside (2 mi).
Colorado lending rules that apply in Williamsburg
| 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 Williamsburg
In Williamsburg, as across Colorado, the lender must disclose the loan's APR and finance charge before you sign, under the federal Truth in Lending Act. Use that disclosure: compare the APR, not the interest rate alone, because origination fees, and sometimes prepayment penalties, are folded into the APR. If a lender will not put the terms in writing, that is a reason to walk away.
Before you apply in Williamsburg
- 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 Williamsburg?
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 Williamsburg are the same as elsewhere in Colorado.
How much can I borrow with a personal loan in Williamsburg?
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 Williamsburg 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 Williamsburg 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
- Rockvale, CO — population 533
- Brookside, CO — population 243
- Coal Creek, CO — population 367
- Florence, CO — population 3,862
- Cañon City, CO — population 17,241
- Victor, CO — population 364
- Silver Cliff, CO — population 707
- Cripple Creek, CO — population 1,117