Personal loans in Four Square Mile, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Four Square Mile, CO.
The median household in Four Square Mile earns $80,903 a year, 15% below the Colorado median of $95,470. About 15% of residents live below the federal poverty line, and 73.6% of households rent their home.
Colorado law that applies in Four Square Mile
| 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 Four Square Mile
Most Four Square Mile applicants can finish in one sitting if they have these ready:
- 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 Four Square Mile
What Four Square Mile borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Four Square Mile
- 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 Arapahoe County
145 FDIC-insured bank branches from 40 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 18 | 9000 E Colfax Ave, Aurora 80010 |
| JPMorgan Chase Bank, National Association | 17 | 5734 S Prince St, Littleton 80120 |
| PNC Bank, National Association | 16 | 5105 Dtc Pkwy, Greenwood Village 80111 |
| KeyBank National Association | 12 | 12101 E Dartmouth Ave, Aurora 80014 |
| U.S. Bank National Association | 11 | 941 S Havana St, Aurora 80012 |
| BMO Bank National Association | 9 | 9335 E County Line Rd, Centennial 80112 |
| The Huntington National Bank | 5 | 2690 W Belleview Ave, Littleton 80123 |
| Bank of England | 5 | 6041 S Syracuse Way, Centennial 80111 |
| Bank of America, National Association | 5 | 6930 S University Blvd, Centennial 80122 |
| UMB Bank, National Association | 4 | 13731 E Mississippi Ave, Aurora 80012 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Arapahoe County
46 credit-union locations from 24 credit unions.
| Credit union | Location |
|---|---|
| Aurora | 15151 E Alameda Pkwy, Aurora 80012 |
| The District | 751 Chambers Rd, Aurora 80011 |
| Navy Federal Credit Union | 10860 E Briarwood Ave, Centennial 80112 |
| Wings | 365 N Telluride St, Aurora 80011 |
| Security Service | 6359 S Southlands Pkwy, Aurora 80016 |
| Bellco | 7600 E Orchard Rd, Greenwood Village 80111 |
| Canvas | 1113 S Abilene Ct, Aurora 80012 |
| Meritrust | 10637 E Briarwood Cir, Centennial 80112 |
| Credit Union Of Colorado, A | 20991 E Smoky Hill Rd, Aurora 80015 |
| Westerra | 4231 S Buckley Rd, Aurora 80013 |
| Northrop Grumman | 17455 E Exposition Dr, Aurora 80017 |
| Sooper Cu Dba Climb Cu | 2337 S Blackhawk St Ste 115B, Aurora 80014 |
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 Four Square Mile?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Four Square Mile. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Four Square Mile, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Four Square Mile?
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 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.
How can I get an emergency loan in Four Square Mile?
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.
How long does it take to get a personal loan in Four Square Mile?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Four Square Mile.
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. Four Square Mile residents can see their options in about 3 minutes.
How do installment loans work in Four Square Mile?
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. Four Square Mile residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Four Square Mile?
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.