Loans in La Plata County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for La Plata County, CO.
The median household in La Plata County earns $86,056 a year, 10% below the Colorado median of $95,470. About 12% of residents live below the federal poverty line, and 29.1% of households rent their home.
What you need for a personal loan in La Plata County
Here's what to have on hand before you start your personal loan request in La Plata 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 La Plata County
What La Plata County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in La Plata 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 La Plata County
Banks with branches in La Plata County
22 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| TBK BANK, SSB | 6 | 259 W 9th St, Durango 81301 |
| Alpine Bank | 3 | 1099 Main Ave, Durango 81301 |
| Bank of Colorado | 2 | 1199 Main Ave, Durango 81301 |
| Wells Fargo Bank, National Association | 2 | 615 Goddard Ave, Ignacio 81137 |
| NBH Bank | 2 | 301 Commerce Dr, Bayfield 81122 |
| Glacier Bank | 2 | 144 E 8th St, Durango 81301 |
| Zions Bancorporation, N.A. | 2 | 1201 Escalante Dr, Durango 81303 |
| First Southwest Bank | 1 | 600 E 2nd Ave, Durango 81301 |
| Four Corners Community Bank | 1 | 2685 Main Ave, Durango 81301 |
| The Central Trust Bank | 1 | 1211 Main Ave, Durango 81301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in La Plata County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Sunward | 22 Town Plz, Durango 81301 |
| Credit Union Of Colorado, A | 15 Bodo Dr, Durango 81303 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in La Plata County
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in La Plata County?
La Plata 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 La Plata County?
Colorado has no title-loan statute.
Where can I get a small loan in La Plata County?
Options include 22 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 La Plata County?
Fill out our short online form from anywhere in La Plata 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 an emergency loan in La Plata County?
Yes. When an unexpected bill comes up, La Plata 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.
Where can I get a loan in La Plata County, CO?
You can apply at banks, credit unions and lenders in La Plata 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 La Plata County with bad credit?
Yes, many lenders in our network work with La Plata 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 apply for a loan online in La Plata County?
Yes. You don't need to visit a branch or storefront anywhere in La Plata 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.