Best Personal Loan Rates in Colorado - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Colorado include: Electrical Federal Credit UnionElectrical Federal Credit Union5080 W 60th Ave, Arvada, CO, 80003 6919A+5.0 ★Texas Ratio: 1.68% offering Credit Builder Loan at 5.00% APR, Golden Belt Bank, FSAGolden Belt Bank, FSA321 Ensign St, Fort Morgan, CO, 80701A5.0 ★Texas Ratio: 6.19% offering 36 months Loan at 5.66% APR, The District Federal Credit UnionThe District Federal Credit Union751 Chambers Rd, Aurora, CO, 80011 7151A5.0 ★Texas Ratio: 8.63% offering New Driver Flex-Rate Program Loan at 5.99% APR, Foothills Credit UnionFoothills Credit Union7990 W Alameda Ave, Lakewood, CO, 80226B+4.7 ★Texas Ratio: 17.24% offering 90% LTV Loan at 6.41% APR, and Rio Blanco Schools Federal Credit UnionRio Blanco Schools Federal Credit Union209 E Main St Ste 104, Rangely, CO, 81648A+5.0 ★Texas Ratio: 0.31% offering All other collateral Loan at 6.50% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Colorado side-by-side. Colorado personal loan rates currently start as low as 5.00% APR from Electrical Federal Credit Union at 5080 W 60th Ave, Arvada, CO, 80003 6919. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Colorado.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Colorado. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 11, 2026
Colorado Personal Loan Rates
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Loan Special! You must meet certain requirements.
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Variable Rate, As Low As*
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APR up to 9.615%
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Fixed; Repayment Period balance at time of conversion will be fixed at the current fixed rate and amortized over 10 years. Have up to 3 fixed rate Sub-accounts at any one time with a term of up to 240 months, not to exceed the remaining term of the loan. Secured by a Colorado residence. Minimum advance is $5,000. Rate will decrease by 0.25% for loans in junior lien position.
APR up to 10.115%
As Low As; 1 Clean Energy Credit Union's solar contractor partners may offer lower rates with modified terms.; 2 Rates shown include a 2.00% discount for automatic loan payments.; 3 Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.; 4 Loan proceeds must be used for new equipment.; 5 Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more.; 6
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APR up to 10.365%
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As Low As; Rates are rounded up to the nearest 0.25%; Rates shown include a 2.00% discount for automatic loan payments.; Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
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APR up to 10.865%
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As Low As; APR* Starting at; APR* up to 18.00%
As Low As; Rates are rounded up to the nearest 0.25%; Rates shown include a 2.00% discount for automatic loan payments.; Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
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Celebrate 89 Years with up to $8,900*
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As Low As; Rates are rounded up to the nearest 0.25%; Rates shown include a 2.00% discount for automatic loan payments.; Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
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A+ Rate
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$5,000+
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As Low As; APR= Annual Percentage Rate Your credit score will determine your rate, maximum loan amount and term.
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A Rate
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As Low As; Loan limited to 10% of annual gross income
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Fixed; Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.
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As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details. Interest rate is variable and may change after loan funding.
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Up to $4,999.99
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As Low As; Loan limited to 10% of annual gross income
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Colorado Personal Loan Rates
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$5,000+
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Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.
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Fixed; Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
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Up to $4,999.99
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Colorado Debt Consolidation Loan Rates
Colorado Signature Loan Rates
Celebrate 89 Years with up to $8,900*
As Low As; APR= Annual Percentage Rate Your credit score will determine your rate, maximum loan amount and term.
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As Low As; Loan limited to 10% of annual gross income
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Colorado Personal Loan Rate Trends
Compare local Colorado personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Colorado personal loan rates rose 0.032 points over the past 7 days to 11.485% APR.
Colorado signature loan rates rose 0.177 points over the past 7 days to 12.996% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Colorado personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Colorado directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Colorado. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CO.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Colorado?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Colorado?
Are credit unions or banks better for personal loans in Colorado?
What are the best personal loan rates in Colorado?
- Electrical Federal Credit Union: 5.00% (Credit Builder Loan)
- Golden Belt Bank, FSA: 5.66% (36 months Loan)
- The District Federal Credit Union: 5.99% (New Driver Flex-Rate Program Loan)
- Foothills Credit Union: 6.41% (90% LTV Loan)
- Rio Blanco Schools Federal Credit Union: 6.50% (All other collateral Loan)
