Personal loans in Berkley, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Berkley, CO.
The median household in Berkley earns $84,637 a year, 11% below the Colorado median of $95,470. About 14% of residents live below the federal poverty line, and 32.7% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
Colorado law that applies in Berkley
| Rate cap | Supervised (licensed) lenders may charge either up to 21% a year, or tiered rates of 36% on the first $1,000, 21% on $1,000 to $3,000, and 15% above $3,000. |
|---|---|
| License required | Yes. |
| Loan sizes covered | UCCC 'consumer loans' exclude loans over $75,000 not secured by real estate. |
Full rules with statute citations: Personal Loans in Colorado. Cities in Colorado cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Berkley
Lenders that serve Berkley 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 Berkley
What Berkley borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Berkley
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Adams County
84 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 11 | 11210 Huron St, Northglenn 80234 |
| Wells Fargo Bank, National Association | 10 | 15 S Main St, Brighton 80601 |
| BMO Bank National Association | 7 | 10401 E Colfax Ave, Aurora 80010 |
| JPMorgan Chase Bank, National Association | 7 | 7301 Federal Blvd, Westminster 80030 |
| U.S. Bank National Association | 7 | 10351 Federal Blvd, Westminster 80260 |
| KeyBank National Association | 5 | 6565 E 73rd Ave, Commerce City 80022 |
| Academy Bank, National Association | 5 | 60 W Bromley Ln, Brighton 80601 |
| The Huntington National Bank | 5 | 2185 E 120th Ave, Northglenn 80233 |
| TBK BANK, SSB | 4 | 4900 E Bromley Ln, Brighton 80601 |
| Zions Bancorporation, N.A. | 3 | 3300 W 72nd Ave, Westminster 80030 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Adams County
28 credit-union locations from 12 credit unions.
| Credit union | Location |
|---|---|
| Fitzsimons | 2201 N Fitzsimons Pkwy, Aurora 80045 |
| Wings | 2018 Prairie Center Parkway, Brighton 80601 |
| Bellco | 9710 Washington St, Thornton 80229 |
| Canvas | 12501 E 17Th Ave, Aurora 80045 |
| Meritrust | 8440 Federal Blvd, Westminster 80031 |
| Elevations | 4750 W 120Th Ave Unit 700, Westminster 80020 |
| Credit Union Of Colorado, A | 3907 E 120Th Ave, Thornton 80233 |
| Sooper Cu Dba Climb Cu | 5151 W 60Th Ave, Arvada 80003 |
| Colorado | 2380 E Bridge St, Brighton 80601 |
| Horizons North | 13559 Huron St, Westminster 80234 |
| Fidelis Catholic | 11385 Grant Dr, Northglenn 80233 |
| Electrical | 5080 W 60Th Ave, Arvada 80003 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Adams County ·
Frequently asked questions
Can I get a personal loan with bad credit in Berkley?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Berkley. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Berkley, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Berkley?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Berkley borrowers who qualify.
How do I apply for a personal loan with bad credit in Berkley?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Berkley with our free 3-minute form.
Where can I find a loan for bad credit in Berkley?
You can apply at local banks and lenders in Berkley, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get an emergency loan with bad credit in Berkley?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Berkley residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Berkley?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.