Loans in Gilpin County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gilpin County, CO.
The median household in Gilpin County earns $95,361 a year, about the same as the Colorado median of $95,470. About 11% of residents live below the federal poverty line, and 12.5% of households rent their home.
What you need for a personal loan in Gilpin County
Here's what to have on hand before you start your personal loan request in Gilpin 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 Gilpin County
What Gilpin County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Gilpin 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 Gilpin County
No credit-union branch is listed inside Gilpin County. The nearest counties with credit unions:
Credit unions in Boulder County
22 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 2317 30Th St Unit 2C, Boulder 80301 |
| Blue | 2800 Arapahoe Ave, Boulder 80303 |
| Security Service | 1260 S Hover St Ste A, Longmont 80501 |
| Bellco | 1250 S Hover St Ste 200, Longmont 80501 |
| Meritrust | 5505 Arapahoe Ave, Boulder 80303 |
| Elevations | 2960 Diagonal Highway, Boulder 80301 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Jefferson County
43 credit-union locations from 21 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 2125 S Webster St Ste 101, Lakewood 80227 |
| Wings | 12644 W Indore Pl, Littleton 80127 |
| Bellco | 570 S Wadsworth Blvd, Lakewood 80226 |
| Canvas | 7502 W 80Th Ave, Arvada 80003 |
| Meritrust | 360 Interlocken Blvd, Broomfield 80021 |
| Credit Union Of Colorado, A | 8770 Wadsworth Blvd Unit R, Arvada 80003 |
| Westerra | 7270A W 88Th Ave, Arvada 80003 |
| Credit Union Of Denver | 9305 W Alameda Ave, Lakewood 80226 |
| Sooper Cu Dba Climb Cu | 1497 S Wadsworth Blvd, Lakewood 80232 |
| Partner Colorado | 6221 Sheridan Blvd, Arvada 80003 |
| Colorado | 10026 W San Juan Way Ste 200, Littleton 80127 |
| On Tap | 816 Washington Ave, Golden 80401 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Gilpin County?
Gilpin 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 Gilpin County?
Colorado has no title-loan statute.
Where can I get a small loan in Gilpin County?
Options include licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Gilpin County?
Fill out our short online form from anywhere in Gilpin 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 apply for a loan online in Gilpin County?
Yes. You don't need to visit a branch or storefront anywhere in Gilpin 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 Gilpin County with bad credit?
Yes, many lenders in our network work with Gilpin 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 Gilpin County?
Yes. When an unexpected bill comes up, Gilpin 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.
Can I get a loan in Gilpin 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. Gilpin County residents can start any time, and it takes about 3 minutes.