Haswell at a glance
- Population: the Census estimates 70 residents, ranking 261st of 270 places in Colorado (Vintage 2023).
- 2020 Census base: 71 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Colorado places: the 261st-largest of 270 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 3% of Colorado places in population terms (US Census Bureau).
- Coordinates: 38.4525, -103.1650 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Eads, CO (21 mi); Las Animas, CO (27 mi); Kit Carson, CO (29 mi); Cheraw, CO (30 mi); Sugar City, CO (31 mi) (US Census Bureau).
- Nearest smaller communities: Sheridan Lake, CO (47 mi); Hartman, CO (56 mi); Two Buttes, CO (74 mi) (Census populations).
What a personal loan costs in Haswell
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Colorado lending rules that apply in Haswell
Read the table as the compliance picture for a lender serving Haswell: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Haswell
Run through this list before signing anything in Haswell:
- 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.