Hartman at a glance
- Population: 54 residents, the 265th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- 2020 Census base: 56 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 3.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Colorado places: 265th by size among 270 communities (US Census Bureau).
- Size percentile: it exceeds roughly 2% of Colorado's Census places by population (US Census Bureau).
- Coordinates: 38.1211 latitude, -102.2216 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Granada, CO (6 mi); Holly, CO (7 mi); Coolidge, KS (13 mi); Lamar, CO (22 mi); Syracuse, KS (26 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Two Buttes, CO (40 mi); Richfield, KS (64 mi); Wallace, KS (64 mi) (US Census Bureau).
What a personal loan costs in Hartman
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Colorado lending rules that apply in Hartman
The sourced rows below are the rules a licensed lender must follow when lending in Colorado, and therefore in Hartman.
| 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 Hartman
The steps below are worth completing first when you borrow in Hartman:
- 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.