Loans in Yuma County, CO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Yuma County, CO.
The median household in Yuma County earns $60,545 a year, 37% below the Colorado median of $95,470. About 18% of residents live below the federal poverty line, and 31.1% of households rent their home.
What you need for a personal loan in Yuma County
Here's what to have on hand before you start your personal loan request in Yuma 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 Yuma County
What Yuma County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Yuma 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 Yuma County
Banks with branches in Yuma County
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Equitable Savings and Loan Association | 2 | 300 Main St, Wray 80758 |
| Bank of Colorado | 2 | 420 E 8th Ave, Yuma 80759 |
| First Pioneer National Bank | 1 | 145 W 4th St, Wray 80758 |
| FNB Bank | 1 | 2988 County Road M, Kirk 80824 |
| Wray State Bank | 1 | 300 Clay St, Wray 80758 |
| First FarmBank | 1 | 501 E 8th Ave, Yuma 80759 |
| TBK BANK, SSB | 1 | 615 W 8th Ave, Yuma 80759 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Yuma County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Yuma County | 401 Main St, Wray 80758 |
Source: NCUA credit union branch data, June 30, 2026.
All Colorado counties and cities
Frequently asked questions
Are payday loans legal in Yuma County?
Yuma 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 Yuma County?
Colorado has no title-loan statute.
Where can I get a small loan in Yuma 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 Yuma County?
Fill out our short online form from anywhere in Yuma 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 Yuma County with bad credit?
Yes, many lenders in our network work with Yuma 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 Yuma 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. Yuma County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Yuma County, CO?
You can apply at banks, credit unions and lenders in Yuma 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 Yuma County?
Yes. You don't need to visit a branch or storefront anywhere in Yuma 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.