Loans in Elbert County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Elbert County, CO.
The median household in Elbert County earns $132,685 a year, 39% above the Colorado median of $95,470. About 5% of residents live below the federal poverty line, and 5.0% of households rent their home.
What you need for a personal loan in Elbert County
Here's what to have on hand before you start your personal loan request in Elbert County:
- 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 Elbert County
What Elbert 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
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Elbert 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 Elbert County
Banks with branches in Elbert County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BMO Bank National Association | 1 | 770 E Kiowa Ave, Elizabeth 80107 |
| NBH Bank | 1 | 120 Elizabeth St, Elizabeth 80107 |
| Farmers State Bank of Calhan | 1 | 434 Comanche Street, Kiowa 80117 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Elbert County. The nearest counties with credit unions:
Credit unions in Arapahoe County
46 credit-union locations from 24 credit unions.
| Credit union | Location |
|---|---|
| Aurora | 15151 E Alameda Pkwy, Aurora 80012 |
| The District | 751 Chambers Rd, Aurora 80011 |
| Navy Federal Credit Union | 10860 E Briarwood Ave, Centennial 80112 |
| Wings | 365 N Telluride St, Aurora 80011 |
| Security Service | 6359 S Southlands Pkwy, Aurora 80016 |
| Bellco | 7600 E Orchard Rd, Greenwood Village 80111 |
| Canvas | 1113 S Abilene Ct, Aurora 80012 |
| Meritrust | 10637 E Briarwood Cir, Centennial 80112 |
| Credit Union Of Colorado, A | 20991 E Smoky Hill Rd, Aurora 80015 |
| Westerra | 4231 S Buckley Rd, Aurora 80013 |
| Northrop Grumman | 17455 E Exposition Dr, Aurora 80017 |
| Sooper Cu Dba Climb Cu | 2337 S Blackhawk St Ste 115B, Aurora 80014 |
Source: NCUA credit union branch data, June 30, 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.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Elbert County?
Elbert 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 Elbert County?
Colorado has no title-loan statute.
Where can I get a small loan in Elbert 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 Elbert County?
Fill out our short online form from anywhere in Elbert 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 Elbert 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. Elbert County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Elbert County, CO?
You can apply at banks, credit unions and lenders in Elbert 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 Elbert County with bad credit?
Yes, many lenders in our network work with Elbert 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 Elbert County?
Yes. When an unexpected bill comes up, Elbert 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.