Loans in Delta County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Delta County, CO.
The median household in Delta County earns $57,774 a year, 39% below the Colorado median of $95,470. About 14% of residents live below the federal poverty line, and 22.1% of households rent their home. 15.7% of households have no home internet; our form works on any phone.
What you need for a personal loan in Delta County
Lenders that serve Delta 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 Delta County
What Delta County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Delta 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 Delta County
Banks with branches in Delta County
13 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Business Bank | 4 | 102 E Bridge St, Hotchkiss 81419 |
| Bank of Colorado | 3 | 1443 Mesa View Dr, Delta 81416 |
| Oakstar Bank | 2 | 133 Grand Ave, Paonia 81428 |
| BMO Bank National Association | 1 | 402 Main St, Delta 81416 |
| Wells Fargo Bank, National Association | 1 | 500 Palmer St, Delta 81416 |
| U.S. Bank National Association | 1 | 488 Highway 92, Delta 81416 |
| Alpine Bank | 1 | 1660 State Highway 92, Delta 81416 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Delta County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Delta County | 100 Circle Dr, Delta 81416 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Delta County?
Delta 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 Delta County?
Colorado has no title-loan statute.
Where can I get a small loan in Delta County?
Options include 13 bank and 2 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 Delta County?
Fill out our short online form from anywhere in Delta 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 Delta 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. Delta County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Delta County?
Yes. You don't need to visit a branch or storefront anywhere in Delta 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.
Can I get a loan in Delta County with bad credit?
Yes, many lenders in our network work with Delta 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.
Where can I get a loan in Delta County, CO?
You can apply at banks, credit unions and lenders in Delta 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.