Basalt at a glance
- Population: the Census estimates 4,005 residents, ranking 87th of 270 places in Colorado (Vintage 2023).
- 2020 Census base: 3,994 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Colorado places: 87th out of 270 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 68% of Colorado's Census places by population (US Census Bureau).
- Coordinates: 39.3686, -107.0488 (US Census Bureau Gazetteer).
- Nearest larger cities: Carbondale, CO (9 mi); Aspen, CO (16 mi); Gypsum, CO (18 mi); Glenwood Springs, CO (20 mi); Eagle, CO (23 mi), each a US Census place with its estimated population.
- Smaller places close by: Snowmass Village, CO (12 mi); Marble, CO (22 mi); Mount Crested Butte, CO (32 mi) (US Census Bureau).
What a personal loan costs in Basalt
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Colorado lending rules that apply in Basalt
The sourced rows below are the rules a licensed lender must follow when lending in Colorado, and therefore in Basalt.
| 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 Basalt
Here is a short checklist for comparing personal loans in Basalt:
- 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.