Loans in Alamosa County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Alamosa County, CO.
The median household in Alamosa County earns $55,397 a year, 42% below the Colorado median of $95,470. About 17% of residents live below the federal poverty line, and 44.1% of households rent their home.
Alamosa County money snapshot
| Alamosa County | Colorado | |
|---|---|---|
| Median monthly rent | $907 | $1,761 |
| Households earning under $35,000 | 30.6% | 16.2% |
| Renters spending 30%+ of income on rent | 37.2% | 53.3% |
| Households with Social Security income | 27.8% | 25.6% |
| Households receiving SSI | 8.9% | 3.2% |
| Households receiving SNAP benefits | 28.6% | 8.5% |
| Adults who are veterans | 3.4% | 7.6% |
| Households with one car | 31.2% | 30.3% |
| Households with two or more cars | 61.0% | 64.6% |
| Unemployment rate (Alamosa County, August 2026) | 5.1% | 4.6% |
| Median age | 33.2 | 37.9 |
- 28.6% of Alamosa County households receive SNAP (Colorado: 8.5%). Lenders mostly consider regular income such as wages or benefits deposits; SNAP itself usually isn't counted as income.
- 30.6% of Alamosa County households earn under $35,000 a year (Colorado: 16.2%). Lenders in our network look at steady income, not just salary size — see loans for low-income borrowers.
- 8.9% of households in Alamosa County receive SSI (Colorado: 3.2%). Here's how lenders treat SSI income: loans for SSI recipients.
- Unemployment in Alamosa County is up from a year ago (4.4% → 5.1% in August 2026). Between jobs? See loans when you're unemployed.
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (not seasonally adjusted).
On our Cash Strain Index, Alamosa County ranks #27 of 64 Colorado counties (#1 = most financial strain).
What do I need to get a personal loan in Alamosa County?
Lenders that serve Alamosa County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
How much can I borrow in Alamosa County?
Online personal loan requests through our network typically run $500 to $5,000. The lender decides the final amount based on your income.
What Alamosa County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Alamosa County
Payday Loans Not available
Colorado still authorizes "deferred deposit loans" of up to $500, but since Proposition 111 (2018) their charges are capped at 36% APR.
Personal Loans
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
Title Loans Limited
Colorado has no title-loan statute.
Loan businesses in Alamosa County
The Census counted no consumer-lending or check-cashing storefronts in Alamosa County in 2023. That's why most Alamosa County borrowers apply online: our short form reaches lenders that serve the area, and many deposit funds by the next business day.
Source: U.S. Census Bureau, County Business Patterns 2023 (NAICS 522291 consumer lending; NAICS 522390 other activities related to credit intermediation, which includes check cashing).
Banks and credit unions in Alamosa County
Banks with branches in Alamosa County
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| San Luis Valley Federal Bank | 2 | 401 Edison Ave, Alamosa 81101 |
| Alamosa State Bank | 1 | 2225 Main St, Alamosa 81101 |
| RG Bank, A Savings and Loan Association | 1 | 3416 Mariposa St, Alamosa 81101 |
| NBH Bank | 1 | 2061 Main St, Alamosa 81101 |
| First Southwest Bank | 1 | 720 Main St, Alamosa 81101 |
| Frontier Bank | 1 | 1307 Main St, Alamosa 81101 |
| Del Norte Bank | 1 | 817 Main St, Alamosa 81101 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Alamosa County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Wings | 3336 Clark St, Alamosa 81101 |
| Power | 2437 Main St, Alamosa 81101 |
| Valley Educators | 910 Main St, Alamosa 81101 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Alamosa County?
Alamosa County follows Colorado law. Colorado still authorizes "deferred deposit loans" of up to $500, but since Proposition 111 (2018) their charges are capped at 36% APR.
Are title loans legal in Alamosa County?
Colorado has no title-loan statute.
Where can I get a small loan in Alamosa County?
Options include 8 bank and 4 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Alamosa County?
Fill out our short online form from anywhere in Alamosa County. We share it with lenders in our network that serve Colorado; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
What is the median household income in Alamosa County?
The median household income in Alamosa County is $55,397 a year, compared with $95,470 across Colorado (Census ACS 2020–2024). Lenders look mainly at steady income you can show, such as paystubs or regular benefit deposits.
Can I get a loan on Social Security income in Alamosa County?
You can apply. 27.8% of Alamosa County households receive Social Security income (Colorado: 25.6%). Many lenders in our network accept regular benefit deposits as income if they go into a checking account in your name.
What is the unemployment rate in Alamosa County?
5.1% in August 2026, up from 4.4% a year earlier (U.S. Bureau of Labor Statistics, not seasonally adjusted). If you're between jobs, some lenders accept other regular income such as benefits.
Are there loan stores near me in Alamosa County?
Alamosa County had 0 consumer-lending businesses and 0 check-cashing and other credit-service businesses in 2023 (Census County Business Patterns). You can also skip the trip and request a loan online in about 3 minutes.
What is the average rent in Alamosa County?
Median gross rent in Alamosa County is $907 a month, compared with $1,761 across Colorado (Census ACS 2020–2024). If rent is due before payday, a small online loan can cover the gap; compare the total cost first.
Where can I get a loan in Alamosa County, CO?
You can apply at banks, credit unions and lenders in Alamosa County, or apply online from anywhere in the county. Online requests are often the quickest way to reach lenders in our network. Our free form sends a single request to lenders in our network that serve Colorado residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Alamosa County with bad credit?
Yes, many lenders in our network work with Alamosa County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.