Personal loans in Golden, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Golden, CO.
The median household in Golden earns $98,582 a year, about the same as the Colorado median of $95,470. About 13% of residents live below the federal poverty line, and 43.2% of households rent their home.
Colorado law that applies in Golden
| 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 Golden
Here's what to have on hand before you start your personal loan request in Golden:
- 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 Golden
What Golden borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Golden
- 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 Golden
10 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 1301 Jackson St, Golden 80401 |
| U.S. Bank National Association | 1 | 1801 Jackson St, Golden 80401 |
| BMO Bank National Association | 1 | 701 13th St, Golden 80401 |
| KeyBank National Association | 1 | 1222 Arapahoe St, Golden 80401 |
| BOKF, National Association | 1 | 1707 Cole Boulevard, Golden 80401 |
| UMB Bank, National Association | 1 | 770 Heritage Rd, Golden 80401 |
| SouthState Bank, National Association | 1 | 16800 W Colfax Ave, Golden 80401 |
| PNC Bank, National Association | 1 | 14185 W Colfax Dr, Golden 80401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Golden
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of Colorado, A | 1800 Jackson St, Golden 80401 |
| On Tap | 816 Washington Ave, Golden 80401 |
| Space Age | 2433 Ford St, Golden 80401 |
| Credit Union Of The Rockies | 1010 Johnson Rd Ste 120, Golden 80401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jefferson County ·
Frequently asked questions
Can I get a personal loan with bad credit in Golden?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Golden. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Golden, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Golden?
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 do I apply for a personal loan with bad credit in Golden?
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.
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 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 Golden borrowers who qualify.
How do installment loans work in Golden?
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. Golden residents can see installment loan offers with our free 3-minute form.
Where can I find a loan for bad credit in Golden?
You can apply at local banks and lenders in Golden, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Do I need to visit a store in Golden?
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.