Loans in El Paso County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for El Paso County, CO.
The median household in El Paso County earns $90,363 a year, 5% below the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 33.8% of households rent their home.
What you need for a personal loan in El Paso County
Most El Paso County applicants can finish in one sitting if they have these ready:
- 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 El Paso County
What El Paso County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in El Paso 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 El Paso County
Banks with branches in El Paso County
135 FDIC-insured bank branches from 41 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 12 | 6 S Tejon St, Colorado Springs 80903 |
| Wells Fargo Bank, National Association | 10 | 1800 S Nevada Ave, Colorado Springs 80905 |
| JPMorgan Chase Bank, National Association | 10 | 4190 Austin Bluffs Pkwy, Colorado Springs 80918 |
| PNC Bank, National Association | 7 | 5815 Constitution Ave, Colorado Springs 80915 |
| Academy Bank, National Association | 7 | 8250 Razorback Rd, Colorado Springs 80920 |
| The Huntington National Bank | 7 | 7239 N Academy Blvd, Colorado Springs 80920 |
| Integrity Bank & Trust | 6 | 1275 Village Ridge Pt, Monument 80132 |
| Bank of America, National Association | 6 | 5737 Barnes Rd, Colorado Springs 80917 |
| KeyBank National Association | 5 | 1521 S 8th St, Colorado Springs 80905 |
| UMB Bank, National Association | 5 | 730 Citadel Dr E, Colorado Springs 80909 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in El Paso County
46 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 5725 Mark Dabling Blvd, Colorado Springs 80919 |
| Blue | 426 S Cascade Ave, Colorado Springs 80903 |
| Air Academy | 9810 N Union Blvd, Colorado Springs 80924 |
| School District 3 | 1180 Crawford Ave, Colorado Springs 80911 |
| Navy Federal Credit Union | 6830 Mesa Ridge Pkwy, Fountain 80817 |
| Wings | 2336 N Wahsatch Ave, Colorado Springs 80907 |
| Security Service | 1910 N Academy Blvd, Colorado Springs 80909 |
| Bellco | 4441 Integrity Center Pt, Colorado Springs 80917 |
| Canvas | 383 Spectrum Loop, Colorado Springs 80921 |
| Credit Union Of Colorado, A | 3606 Austin Bluffs Pkwy, Colorado Springs 80918 |
| Sooper Cu Dba Climb Cu | 3582 Blue Horizon Vw Ste 100, Colorado Springs 80924 |
| Pikes Peak | 1616 N Circle Dr, Colorado Springs 80909 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in El Paso County
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in El Paso County?
El Paso 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 El Paso County?
Colorado has no title-loan statute.
Where can I get a small loan in El Paso County?
Options include 135 bank and 46 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 El Paso County?
Fill out our short online form from anywhere in El Paso 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.
Where can I get a loan in El Paso County, CO?
You can apply at banks, credit unions and lenders in El Paso 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 El Paso 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. El Paso County residents can start any time, and it takes about 3 minutes.
Can I get a loan in El Paso County with bad credit?
Yes, many lenders in our network work with El Paso 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 get an emergency loan in El Paso County?
Yes. When an unexpected bill comes up, El Paso County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.