Loans in Larimer County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Larimer County, CO.
The median household in Larimer County earns $93,765 a year, about the same as the Colorado median of $95,470. About 11% of residents live below the federal poverty line, and 36.0% of households rent their home.
What you need for a personal loan in Larimer County
Here's what to have on hand before you start your personal loan request in Larimer 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 Larimer County
What Larimer County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Larimer 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 Larimer County
Banks with branches in Larimer County
95 FDIC-insured bank branches from 29 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of Omaha | 11 | 205 W Oak St, Fort Collins 80521 |
| SouthState Bank, National Association | 9 | 807 Mountain Ave, Berthoud 80513 |
| Bank of Colorado | 9 | 1609 E Harmony Rd, Fort Collins 80525 |
| Wells Fargo Bank, National Association | 7 | 460 S College Ave, Fort Collins 80524 |
| JPMorgan Chase Bank, National Association | 7 | 200 E 7th St, Loveland 80537 |
| U.S. Bank National Association | 6 | 363 East Elkhorn Avenue, Estes Park 80517 |
| PNC Bank, National Association | 6 | 1013 E Harmony Rd, Fort Collins 80525 |
| KeyBank National Association | 4 | 300 W Oak St, Fort Collins 80521 |
| BMO Bank National Association | 3 | 1075 W Horsetooth Rd, Fort Collins 80526 |
| First National Bank | 3 | 1475 Denver Ave, Loveland 80538 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Larimer County
32 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 2720 Council Tree Ave Ste 188, Fort Collins 80525 |
| Blue | 7670 5Th St, Wellington 80549 |
| Meridian Trust | 8205 Wellington Blvd, Wellington 80549 |
| Wings | 243 N College Ave, Fort Collins 80524 |
| Security Service | 1025 E Swallow Rd, Fort Collins 80525 |
| Bellco | 1526 E Harmony Rd Unit 130, Fort Collins 80525 |
| Canvas | 700 Whalers Way, Fort Collins 80525 |
| Meritrust | 453 E Wonderview Ave, Estes Park 80517 |
| Elevations | 970 E Eisenhower Blvd, Loveland 80537 |
| Credit Union Of Colorado, A | 2420 E Harmony Rd, Fort Collins 80528 |
| Together | 1520 E Mulberry St, Fort Collins 80524 |
| Foothills | 3725 Mountain Lion Dr, Loveland 80537 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Larimer County
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Larimer County?
Larimer 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 Larimer County?
Colorado has no title-loan statute.
Where can I get a small loan in Larimer County?
Options include 95 bank and 32 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 Larimer County?
Fill out our short online form from anywhere in Larimer 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.
Where can I get a loan in Larimer County, CO?
You can apply at banks, credit unions and lenders in Larimer 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 apply for a loan online in Larimer County?
Yes. You don't need to visit a branch or storefront anywhere in Larimer 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 Larimer County with bad credit?
Yes, many lenders in our network work with Larimer 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 a loan in Larimer 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. Larimer County residents can start any time, and it takes about 3 minutes.