Personal loans in Englewood, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Englewood, CO.
The median household in Englewood earns $86,800 a year, 9% below the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 50.8% of households rent their home.
Colorado law that applies in Englewood
| 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 Englewood
Here's what to have on hand before you start your personal loan request in Englewood:
- 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 Englewood
What Englewood borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Englewood
- 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 Englewood
26 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 4 | 333 W Hampden Ave, Englewood 80110 |
| Wells Fargo Bank, National Association | 3 | 501 W Hampden Avenue, Englewood 80110 |
| BMO Bank National Association | 3 | 7310 E Arapahoe Rd, Englewood 80112 |
| PNC Bank, National Association | 2 | 4600 S Broadway, Englewood 80113 |
| First National Bank | 1 | 7777 E Arapahoe Rd, Englewood 80112 |
| Zions Bancorporation, N.A. | 1 | 5050 S Broadway, Englewood 80113 |
| KeyBank National Association | 1 | 9250 E Arapahoe Rd, Englewood 80112 |
| NBH Bank | 1 | 3501 S Broadway, Englewood 80113 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Englewood
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Clean Energy | 116 Inverness Dr E, Englewood 80112 |
| Arapahoe | 303 E Hampden Ave, Englewood 80113 |
| Denver Fire Department | 67 Inverness Dr E, Englewood 80112 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Arapahoe County ·
Frequently asked questions
Can I get a personal loan with bad credit in Englewood?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Englewood. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Englewood, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Englewood?
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 Englewood 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. Englewood 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 Englewood 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. Englewood residents can see their options 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 Englewood borrowers who qualify.
Do I need to visit a store in Englewood?
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.