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Personal loans in Manitou Springs, CO

For a borrower in Manitou Springs, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Census data place Manitou Springs's population near 4,622, the 83rd-largest among Colorado's 270 Census places. Every lender serving Colorado must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Manitou Springs at a glance

  • Population: the Census estimates 4,622 residents, ranking 83rd of 270 places in Colorado (Vintage 2023).
  • 2020 Census base: 4,863 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: down roughly 5.0% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Colorado places: 83rd of 270 by population (US Census Bureau, Vintage 2023).
  • Size percentile: roughly 69% of places in Colorado rank below it by population (US Census Bureau).
  • Coordinates: it sits at 38.8575, -104.9129 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Colorado Springs, CO (8 mi); Woodland Park, CO (12 mi); Monument, CO (15 mi); Fountain, CO (17 mi); Cañon City, CO (33 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller places: Green Mountain Falls, CO (8 mi); Victor, CO (16 mi); Cripple Creek, CO (17 mi) (US Census Bureau estimates).

What a personal loan costs in Manitou Springs

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

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.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Colorado lending rules that apply in Manitou Springs

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

RuleDetailSource
State lending regulatorColorado 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 statusPermitted 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 licensingSupervised 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 Manitou Springs

Before you share your details with a lender in Manitou Springs:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Colorado using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Manitou Springs?
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 Manitou Springs are the same as elsewhere in Colorado.
How much can I borrow with a personal loan in Manitou Springs?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Manitou Springs 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 Manitou Springs 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

Where these figures come from

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