Personal loans in Greeley, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Greeley, CO.
The median household in Greeley earns $69,881 a year, 27% below the Colorado median of $95,470. About 15% of residents live below the federal poverty line, and 39.1% of households rent their home.
Colorado law that applies in Greeley
| 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 Greeley
Most Greeley 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 Greeley
What Greeley borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Greeley
- 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 Greeley
33 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | 800 8th Ave, Greeley 80631 |
| JPMorgan Chase Bank, National Association | 3 | 822 7th St, Greeley 80631 |
| First National Bank of Omaha | 2 | 1701 23rd Ave, Greeley 80634 |
| SouthState Bank, National Association | 2 | 2700 47th Ave, Greeley 80634 |
| Academy Bank, National Association | 2 | 3103 S 23rd Ave, Greeley 80631 |
| PNC Bank, National Association | 2 | 4322 W 9th Street Rd, Greeley 80634 |
| First FarmBank | 2 | 2939 65th Ave, Greeley 80634 |
| Points West Community Bank | 2 | 6801 W 20th St, Greeley 80634 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Greeley
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Wings | 4735 W 25Th St Unit 3, Greeley 80634 |
| Security Service | 1220 9Th Ave, Greeley 80631 |
| Bellco | 4118 Centerplace Dr, Greeley 80634 |
| Canvas | 3532 W 10Th St Unit B, Greeley 80634 |
| 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 Greeley?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Greeley. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Greeley, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Greeley?
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.
Where can I find a loan for bad credit in Greeley?
You can apply at local banks and lenders in Greeley, 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.
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 Greeley 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. Greeley 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 Greeley borrowers who qualify.
Do I need to visit a store in Greeley?
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.