Personal loans in Gunbarrel, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gunbarrel, CO.
The median household in Gunbarrel earns $109,407 a year, 15% above the Colorado median of $95,470. About 9% of residents live below the federal poverty line, and 36.9% of households rent their home.
Colorado law that applies in Gunbarrel
| 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 Gunbarrel
Most Gunbarrel 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 Gunbarrel
What Gunbarrel borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Gunbarrel
- 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 Boulder County
91 FDIC-insured bank branches from 33 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 10 | 2500 Arapahoe Ave, Boulder 80302 |
| Wells Fargo Bank, National Association | 9 | 1242 Pearl St, Boulder 80302 |
| PNC Bank, National Association | 8 | 1707 Main St, Longmont 80501 |
| BMO Bank National Association | 6 | 1610 Hover St, Longmont 80501 |
| First Interstate Bank | 6 | 2775 Pearl St, Boulder 80302 |
| U.S. Bank National Association | 5 | 436 Coffman St, Longmont 80501 |
| SouthState Bank, National Association | 4 | 401 Main St, Longmont 80501 |
| First National Bank of Omaha | 4 | 915 S Hover St, Longmont 80501 |
| Zions Bancorporation, N.A. | 3 | 2011 Ken Pratt Blvd, Longmont 80501 |
| KeyBank National Association | 3 | 1933 28th St, Boulder 80301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Boulder County
22 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 2317 30Th St Unit 2C, Boulder 80301 |
| Blue | 2800 Arapahoe Ave, Boulder 80303 |
| Security Service | 1260 S Hover St Ste A, Longmont 80501 |
| Bellco | 1250 S Hover St Ste 200, Longmont 80501 |
| Meritrust | 5505 Arapahoe Ave, Boulder 80303 |
| Elevations | 2960 Diagonal Highway, Boulder 80301 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Boulder County ·
Frequently asked questions
Can I get a personal loan with bad credit in Gunbarrel?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Gunbarrel. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Gunbarrel, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Gunbarrel?
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 installment loans work in Gunbarrel?
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. Gunbarrel residents can see installment loan offers with our free 3-minute form.
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 Gunbarrel borrowers who qualify.
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 Gunbarrel?
You can apply at local banks and lenders in Gunbarrel, 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 Gunbarrel with our free 3-minute form.
Do I need to visit a store in Gunbarrel?
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.