Personal loans in Commerce City, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Commerce City, CO.
The median household in Commerce City earns $111,972 a year, 17% above the Colorado median of $95,470. About 9% of residents live below the federal poverty line, and 22.8% of households rent their home.
Colorado law that applies in Commerce City
| 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 Commerce City
Lenders that serve Commerce City 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 Commerce City
What Commerce City borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Commerce City
- 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 Commerce City
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 2 | 6025 E Parkway Dr, Commerce City 80022 |
| KeyBank National Association | 1 | 6565 E 73rd Ave, Commerce City 80022 |
| BMO Bank National Association | 1 | 7326 Magnolia St, Commerce City 80022 |
| U.S. Bank National Association | 1 | 4850 E 62nd Ave, Commerce City 80022 |
| Academy Bank, National Association | 1 | 5990 Dahlia St, Commerce City 80022 |
| PNC Bank, National Association | 1 | 15250 E 104th Ave, Commerce City 80022 |
| The Huntington National Bank | 1 | 15101 E 104th Ave, Commerce City 80022 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Commerce City
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wings | 10430 Chambers Rd Ste 1000, Commerce City 80022 |
| Sooper Cu Dba Climb Cu | 6921 E 72Nd Ave, Commerce City 80022 |
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 Commerce City?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Commerce City. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Commerce City, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Commerce City?
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 a personal loan in Commerce City 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. Commerce City residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
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 Commerce City with our free 3-minute form.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Commerce City residents can see their options in about 3 minutes.
How do installment loans work in Commerce City?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Commerce City residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Commerce City?
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.