Personal loans in Lakewood, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lakewood, CO.
The median household in Lakewood earns $89,792 a year, 6% below the Colorado median of $95,470. About 9% of residents live below the federal poverty line, and 41.9% of households rent their home.
Colorado law that applies in Lakewood
| 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 Lakewood
Lenders that serve Lakewood typically ask for the following:
- 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 Lakewood
What Lakewood borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Lakewood
- 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 Lakewood
33 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 5 | 7590 W Colfax Ave, Lakewood 80214 |
| JPMorgan Chase Bank, National Association | 4 | 5500 W Alameda Ave, Lakewood 80226 |
| U.S. Bank National Association | 4 | 1415 Carr St, Lakewood 80214 |
| KeyBank National Association | 3 | 1420 Colorado Mills Pkwy, Lakewood 80401 |
| Wells Fargo Bank, National Association | 3 | 143 Union Blvd, Lakewood 80228 |
| BMO Bank National Association | 2 | 215 S Wadsworth Blvd, Lakewood 80226 |
| The Huntington National Bank | 2 | 7070 W Alameda Ave, Lakewood 80226 |
| UMB Bank, National Association | 1 | 3290 S Wadsworth Blvd, Lakewood 80227 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lakewood
10 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 2125 S Webster St Ste 101, Lakewood 80227 |
| Bellco | 570 S Wadsworth Blvd, Lakewood 80226 |
| Canvas | 7575 W 5Th Ave, Lakewood 80226 |
| Credit Union Of Colorado, A | 9140 W 6Th Ave, Lakewood 80215 |
| Westerra | 375 Union Blvd, Lakewood 80228 |
| Credit Union Of Denver | 9305 W Alameda Ave, Lakewood 80226 |
| Sooper Cu Dba Climb Cu | 1497 S Wadsworth Blvd, Lakewood 80232 |
| Foothills | 7990 W Alameda Ave, Lakewood 80226 |
| Northern New Mexico School Employee | 274 Union Blvd, Lakewood 80228 |
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 Lakewood?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Lakewood. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lakewood, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Lakewood?
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.
Can I get a personal loan in Lakewood 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. Lakewood residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How can I get an emergency loan in Lakewood?
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 do I apply for a personal loan with bad credit in Lakewood?
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.
How long does it take to get a personal loan in Lakewood?
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 Lakewood.
Do I need to visit a store in Lakewood?
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.