Loans in Cheyenne County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cheyenne County, CO.
The median household in Cheyenne County earns $70,865 a year, 26% below the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 27.4% of households rent their home.
What you need for a personal loan in Cheyenne County
Lenders that serve Cheyenne 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
Popular loan amounts in Cheyenne County
What Cheyenne County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Cheyenne 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.
Banks and credit unions in Cheyenne County
Banks with branches in Cheyenne County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Eastern Colorado Bank | 2 | 113 Main St, Kit Carson 80825 |
| Farmers & Merchants Bank of Colby | 1 | 25 E 1st St, Cheyenne Wells 80810 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Cheyenne County. The nearest counties with credit unions:
Credit unions in Prowers County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Fellowship | 803 E Olive St, Lamar 81052 |
| Peoples | 411 S Main St, Lamar 81052 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Bent County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Fellowship | 509 Vigil Ave, Las Animas 81054 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Cheyenne County?
Cheyenne 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 Cheyenne County?
Colorado has no title-loan statute.
Where can I get a small loan in Cheyenne County?
Options include 3 bank 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 Cheyenne County?
Fill out our short online form from anywhere in Cheyenne 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.
Can I get a loan in Cheyenne County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Cheyenne County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Cheyenne County, CO?
You can apply at banks, credit unions and lenders in Cheyenne County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. 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 Cheyenne County with bad credit?
Yes, many lenders in our network work with Cheyenne 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.
Can I apply for a loan online in Cheyenne County?
Yes. You don't need to visit a branch or storefront anywhere in Cheyenne County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Colorado. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.