Loans in Grand County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Grand County, CO.
The median household in Grand County earns $88,612 a year, 7% below the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 26.6% of households rent their home.
What you need for a personal loan in Grand County
Lenders that serve Grand 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 Grand County
What Grand County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Grand 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 Grand County
Banks with branches in Grand County
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Business Bank | 4 | 337 East Agate Avenue, Granby 80446 |
| BMO Bank National Association | 2 | 108 S 2nd St, Kremmling 80459 |
| U.S. Bank National Association | 1 | 51 E Agate Avenue, Granby 80446 |
| Wells Fargo Bank, National Association | 1 | 78515 Us Highway 40, Winter Park 80482 |
| UMB Bank, National Association | 1 | 77699 Us Highway 40, Fraser 80442 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Grand County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Blue | 129 E Agate Ave, Granby 80446 |
| Credit Union Of The Rockies | 91 E Agate Ave, Granby 80446 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Grand County?
Grand 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 Grand County?
Colorado has no title-loan statute.
Where can I get a small loan in Grand County?
Options include 9 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 Grand County?
Fill out our short online form from anywhere in Grand 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 Grand 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. Grand County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Grand County?
Yes. When an unexpected bill comes up, Grand 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 apply for a loan online in Grand County?
Yes. You don't need to visit a branch or storefront anywhere in Grand 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 Grand County with bad credit?
Yes, many lenders in our network work with Grand 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.