Personal loans in Evans, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Evans, CO.
The median household in Evans earns $75,563 a year, 21% below the Colorado median of $95,470. About 14% of residents live below the federal poverty line, and 31.9% of households rent their home.
Colorado law that applies in Evans
| 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 Evans
Here's what to have on hand before you start your personal loan request in Evans:
- 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 Evans
What Evans borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Evans
- 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 Evans
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| NBH Bank | 1 | 3635 23rd Ave, Evans 80620 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Weld County
14 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Blue | 2080 Village Vista Drive, Erie 80516 |
| Wings | 11211 E I25 Frontage Rd, Firestone 80504 |
| Security Service | 1220 9Th Ave, Greeley 80631 |
| Bellco | 680 Commons Dr, Erie 80516 |
| Canvas | 3532 W 10Th St Unit B, Greeley 80634 |
| Meritrust | 8080 Colorado Blvd, Firestone 80504 |
| Credit Union Of Colorado, A | 2505 11Th Ave, Greeley 80631 |
| Weld Community | 2555 47Th Ave, Greeley 80634 |
| Northern Colorado | 2901 S 27Th Ave, Greeley 80631 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Weld County ·
Frequently asked questions
Can I get a personal loan with bad credit in Evans?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Evans. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Evans, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Evans?
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 Evans?
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. Evans 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 Evans borrowers who qualify.
Can I get a personal loan in Evans 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. Evans residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Evans?
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. Evans residents can see installment loan offers with our free 3-minute form.
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 Evans with our free 3-minute form.
Do I need to visit a store in Evans?
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.