Personal loans in Clifton, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clifton, CO.
The median household in Clifton earns $52,100 a year, 45% below the Colorado median of $95,470. About 15% of residents live below the federal poverty line, and 26.6% of households rent their home.
Colorado law that applies in Clifton
| 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 Clifton
Here's what to have on hand before you start your personal loan request in Clifton:
- 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 Clifton
What Clifton borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Clifton
- 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 Clifton
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BMO Bank National Association | 1 | 3201 F Rd, Clifton 81520 |
| Alpine Bank | 1 | 3243 1-70 Business Loop, Clifton 81520 |
| Wells Fargo Bank, National Association | 1 | 3231 I-70 Business Loop, Clifton 81520 |
| ANB Bank | 1 | 569a 32 Rd, Clifton 81520 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clifton
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Bellco | 570 32 Rd, Clifton 81520 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Mesa County ·
Frequently asked questions
Can I get a personal loan with bad credit in Clifton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Clifton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Clifton, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Clifton?
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.
Can I get an emergency loan with bad credit in Clifton?
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. Clifton residents can see if they qualify in about 3 minutes.
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 Clifton borrowers who qualify.
Can I get a personal loan in Clifton 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. Clifton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How can I get an emergency loan in Clifton?
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.
Where can I find a loan for bad credit in Clifton?
You can apply at local banks and lenders in Clifton, 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.
Do I need to visit a store in Clifton?
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.