Loans in Lake County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lake County, CO.
The median household in Lake County earns $96,575 a year, about the same as the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 24.4% of households rent their home.
What you need for a personal loan in Lake County
Most Lake 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 Lake County
What Lake County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lake 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 Lake County
Banks with branches in Lake 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 |
|---|---|---|
| NBH Bank | 1 | 400 Harrison Ave, Leadville 80461 |
| High Plains Bank | 1 | 409 Harrison Ave, Leadville 80461 |
| PB&T Bank | 1 | 600 Harrison Ave, Leadville 80461 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lake County. The nearest counties with credit unions:
Credit unions in Summit County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of The Rockies | 111 E Main St Ste C, Frisco 80443 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Chaffee County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Blue | 7480 W Us Highway 50, Salida 81201 |
| Power | 28350 County Road 317 Unit 10, Buena Vista 81211 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Lake County?
Lake 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 Lake County?
Colorado has no title-loan statute.
Where can I get a small loan in Lake 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 Lake County?
Fill out our short online form from anywhere in Lake 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 Lake County?
Yes. You don't need to visit a branch or storefront anywhere in Lake 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 Lake 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. Lake County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Lake County with bad credit?
Yes, many lenders in our network work with Lake 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.
Where can I get a loan in Lake County, CO?
You can apply at banks, credit unions and lenders in Lake 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.