Personal loans in Loveland, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Loveland, CO.
The median household in Loveland earns $84,604 a year, 11% below the Colorado median of $95,470. About 8% of residents live below the federal poverty line, and 37.8% of households rent their home.
Colorado law that applies in Loveland
| 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 Loveland
Lenders that serve Loveland 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 Loveland
What Loveland borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Loveland
- 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 Loveland
26 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 4 | 2695 W Eisenhower Blvd, Loveland 80537 |
| JPMorgan Chase Bank, National Association | 3 | 200 E 7th St, Loveland 80537 |
| First National Bank of Omaha | 3 | 750 N Lincoln Ave, Loveland 80537 |
| Wells Fargo Bank, National Association | 2 | 3710 Grant Ave, Loveland 80538 |
| PNC Bank, National Association | 2 | 5275 Mcwhinney Blvd, Loveland 80538 |
| First National Bank | 2 | 1475 Denver Ave, Loveland 80538 |
| Bank of Colorado | 2 | 1888 W Eisenhower Blvd, Loveland 80537 |
| BMO Bank National Association | 1 | 303 E 6th St, Loveland 80537 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Loveland
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 2975 Ginnala Dr Ste 260, Loveland 80538 |
| Blue | 1371 Sculptor Dr, Loveland 80537 |
| Wings | 1727 Topaz Dr, Loveland 80537 |
| Security Service | 1531 N Lincoln Ave Ste D, Loveland 80538 |
| Canvas | 2529 N Lincoln Ave, Loveland 80538 |
| Elevations | 970 E Eisenhower Blvd, Loveland 80537 |
| Foothills | 3725 Mountain Lion Dr, Loveland 80537 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Larimer County ·
Frequently asked questions
Can I get a personal loan with bad credit in Loveland?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Loveland. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Loveland, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Loveland?
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 Loveland?
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.
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 Loveland borrowers who qualify.
How long does it take to get a personal loan in Loveland?
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 Loveland.
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 Loveland with our free 3-minute form.
How do installment loans work in Loveland?
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. Loveland residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Loveland?
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.