Personal loans in Denver, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Denver, CO.
The median household in Denver earns $94,718 a year, about the same as the Colorado median of $95,470. About 11% of residents live below the federal poverty line, and 51.2% of households rent their home.
Colorado law that applies in Denver
| 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 Denver
Lenders that serve Denver 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 Denver
What Denver borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Denver
- 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 Denver
163 FDIC-insured bank branches from 48 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 19 | 2696 S Colorado Blvd, Denver 80222 |
| PNC Bank, National Association | 16 | 8901 E Hampden Ave, Denver 80231 |
| U.S. Bank National Association | 15 | 950 17th St, Denver 80202 |
| Wells Fargo Bank, National Association | 12 | 1701 N Lincoln St, Denver 80203 |
| KeyBank National Association | 9 | 2776 N Speer Blvd, Denver 80211 |
| BMO Bank National Association | 8 | 3102 S Sheridan Blvd, Denver 80227 |
| The Huntington National Bank | 8 | 3720 Quebec St, Denver 80207 |
| UMB Bank, National Association | 7 | 1635 E Colfax Ave, Denver 80218 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Denver
30 credit-union locations from 16 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 6971 E Belleview Ave, Denver 80237 |
| Blue | 6460 E Yale Ave, Denver 80222 |
| Wings | 1499 Wynkoop St Ste 100, Denver 80202 |
| Security Service | 1275 S Federal Blvd, Denver 80219 |
| Bellco | 1075 S Havana St, Denver 80012 |
| Canvas | 7055 E Evans Ave, Denver 80224 |
| Credit Union Of Colorado, A | 1275 Tremont Pl, Denver 80204 |
| Westerra | 3700 E Alameda Ave, Denver 80209 |
| Credit Union Of Denver | 900 Auraria Pkwy Unit 263, Denver 80204 |
| Meriwest | 1601 Wewatta St Ste 300, Denver 80202 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Denver County ·
Frequently asked questions
Can I get a personal loan with bad credit in Denver?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Denver. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Denver, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Denver?
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.
How can I get an emergency loan in Denver?
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 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.
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. Denver residents can see their options in about 3 minutes.
Can I get an emergency loan with bad credit in Denver?
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. Denver residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Denver?
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.
Do I need to visit a store in Denver?
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.