Julesburg at a glance
- Population: 1,238 people, the 141st-largest place among Colorado's 270 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,302 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 4.9% since the 2020 count (US Census Bureau).
- Rank among Colorado places: 141st in population of 270 places (US Census Bureau).
- Size percentile: roughly 48% of places in Colorado rank below it by population (US Census Bureau).
- Coordinates: latitude 40.9849, longitude -102.2627 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Holyoke, CO (28 mi); Ogallala, NE (30 mi); Sidney, NE (38 mi); Imperial, NE (46 mi); Sterling, CO (55 mi) (US Census Bureau).
- Nearest smaller places: Ovid, CO (7 mi); Big Springs, NE (11 mi); Chappell, NE (13 mi) (US Census Bureau estimates).
What a personal loan costs in Julesburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Colorado lending rules that apply in Julesburg
Read the table as the compliance picture for a lender serving Julesburg: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Julesburg
The order below is a sensible way to approach a loan in Julesburg:
- 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.