Personal loans in Broomfield, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Broomfield, CO.
The median household in Broomfield earns $123,874 a year, 30% above the Colorado median of $95,470. About 6% of residents live below the federal poverty line, and 37.3% of households rent their home.
Colorado law that applies in Broomfield
| 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 Broomfield
Here's what to have on hand before you start your personal loan request in Broomfield:
- 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 Broomfield
What Broomfield borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Broomfield
- 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 Broomfield
18 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 2 | 2 Garden Ctr, Broomfield 80020 |
| JPMorgan Chase Bank, National Association | 2 | 4580 W 121st Ave, Broomfield 80020 |
| KeyBank National Association | 1 | 88 Lamar St, Broomfield 80020 |
| First National Bank of Omaha | 1 | 12009 Sheridan Blvd, Broomfield 80020 |
| BMO Bank National Association | 1 | 1000 E 1st Ave, Broomfield 80020 |
| First Interstate Bank | 1 | 5720 W 120th Ave, Broomfield 80020 |
| North Valley Bank | 1 | 1210 E 1st Ave, Broomfield 80020 |
| The Huntington National Bank | 1 | 4100 W 144th Ave, Broomfield 80023 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Broomfield
9 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Blue | 6850 W 119Th Ave, Broomfield 80020 |
| Wings | 4800 W 121St Ave, Broomfield 80020 |
| Security Service | 1 Garden Ctr, Broomfield 80020 |
| Canvas | 5155 W 120Th Ave, Broomfield 80020 |
| Meritrust | 360 Interlocken Blvd, Broomfield 80021 |
| Credit Union Of Colorado, A | 1990 W 10Th Ave, Broomfield 80020 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Broomfield County ·
Frequently asked questions
Can I get a personal loan with bad credit in Broomfield?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Broomfield. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Broomfield, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Broomfield?
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.
Where can I find a loan for bad credit in Broomfield?
You can apply at local banks and lenders in Broomfield, 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 a personal loan in Broomfield with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Broomfield residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Broomfield?
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.
How can I get an emergency loan in Broomfield?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get an emergency loan with bad credit in Broomfield?
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. Broomfield residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Broomfield?
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.