Personal loans in Pueblo, CO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pueblo, CO.
The median household in Pueblo earns $56,664 a year, 41% below the Colorado median of $95,470. About 18% of residents live below the federal poverty line, and 38.6% of households rent their home.
Colorado law that applies in Pueblo
| 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 Pueblo
Here's what to have on hand before you start your personal loan request in Pueblo:
- 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 Pueblo
What Pueblo borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Pueblo
- 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 Pueblo
29 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 5 | 3330 N Elizabeth St, Pueblo 81008 |
| PB&T Bank | 4 | 301 W 5th St, Pueblo 81003 |
| Zions Bancorporation, N.A. | 3 | 4040 W Northern Ave, Pueblo 81005 |
| Academy Bank, National Association | 3 | 4200 Dillon Dr, Pueblo 81008 |
| InBank | 3 | 730 Desert Flower Blvd, Pueblo 81001 |
| Wells Fargo Bank, National Association | 2 | 1221 S Prairie Ave, Pueblo 81005 |
| Sunflower Bank, National Association | 2 | 510 W 29th St, Pueblo 81008 |
| Glacier Bank | 2 | 101 W 5th St, Pueblo 81003 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pueblo
20 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Blue | 225 E Evans Ave, Pueblo 81004 |
| Air Academy | 720 N Greenwood St, Pueblo 81003 |
| Pueblo Government Agencies | 720 N Greenwood St, Pueblo 81003 |
| Wings | 300 W 5Th St, Pueblo 81003 |
| Security Service | 1617 W Us Highway 50, Pueblo 81008 |
| Bellco | 1702 W Us Highway 50, Pueblo 81008 |
| Canvas | 2200 Bonforte Blvd, Pueblo 81001 |
| Meritrust | 1825 Hood Ave, Pueblo 81003 |
| Credit Union Of Colorado, A | 1721 W Us Highway 50, Pueblo 81008 |
| Altra | 101 William White Blvd, Pueblo 81001 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Pueblo County ·
Frequently asked questions
Can I get a personal loan with bad credit in Pueblo?
Possibly. Lenders in our network consider applicants with fair and bad credit across Colorado, including Pueblo. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Pueblo, CO?
Supervised lenders: 21%, or tiered 36%/21%/15%; unlicensed lenders capped at 12%.
How fast can I get a personal loan in Pueblo?
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 Pueblo?
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. Pueblo residents can see installment loan offers with our free 3-minute form.
Can I get an emergency loan with bad credit in Pueblo?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Pueblo residents can see if they qualify in about 3 minutes.
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. Pueblo residents can see their options in about 3 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 Pueblo with our free 3-minute form.
Where can I find a loan for bad credit in Pueblo?
You can apply at local banks and lenders in Pueblo, 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 Pueblo?
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.