Best Personal Loan Rates in Colorado - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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, Security Service Federal Credit UnionSecurity Service Federal Credit Union1910 N Academy Blvd, Colorado Springs, CO, 80909 1504A5.0 ★Texas Ratio: 6.54% offering Power Rate Loan at 5.50% APR, Space Age Credit UnionSpace Age Credit Union3033 S Parker Rd Ste 800, Aurora, CO, 80014A5.0 ★Texas Ratio: 11.15% offering 1st Place 2nd MTG Loan at 5.74% APR, The District Federal Credit UnionThe District Federal Credit Union751 Chambers Rd, Aurora, CO, 80011 7151A5.0 ★Texas Ratio: 8.63% offering A+ 52 Loan at 5.74% APR, and Holyoke Community Federal Credit UnionHolyoke Community Federal Credit Union101 W Denver St, Holyoke, CO, 80734 1427A+5.0 ★Texas Ratio: 2.79% offering 4-H Loans at 5.75% APR. Personal loan rates as of July 6, 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: July 6, 2026
Colorado Personal Loan Rates
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AS LOW AS
As Low As
Credit Score: 780 - 799
Credit Score: 800 & Higher
Up To $4000.00
Fixed Interest rates as low as 5.80% APR. Guaranteed Approval as long as you have income. Reports to credit bureaus. Loan proceeds are deposited to your savings then pledged to the loan until it is repaid. Payments made will be shown on your credit report. Ask for more details!
Credit Score: 760 - 779
Credit Score: 740 - 759
Lock-in a fixed rate; No annual fees
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
You must meet certain requirements. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Variable Rate, As Low As 6.75% APR*. Choiceline Details
Credit Score: 720 - 739
As Low As
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details available.
No additional details available.
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
Credit Score: 700 - 779
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Max LTV: 70%, Max DTI: 45%, Amount Financed: $50,000 & above
No additional details available.
Credit Score: 680 - 699
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details available.
No additional details available.
Max LTV: 80%, Max DTI: 45%, Amount Financed: $50,000 & above
As low as
As Low As; Rates shown include a 2.00% discount for automatic loan payments.
As Low As; 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. Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more
Max LTV: 90%, Max DTI: 45%, Amount Financed: $50,000 & above
APR* up to 18.00%
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
Max LTV: 90%, Max DTI: 45%, Amount Financed: $40,000-$49,999
As Low As; Rates shown include a 2.00% discount for automatic loan payments.
As Low As; 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. Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more
Max LTV: 90%, Max DTI: 45%, Amount Financed: $20,000-$39,999
As Low As; Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term.
Celebrate 89 Years with up to $8,900*
As Low As; Rates shown include a 2.00% discount for automatic loan payments.
As Low As; 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. Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more
No additional details available.
No additional details available.
No additional details available.
Credit Score: 660 - 679
No additional details available.
As Low As; 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. Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more
No additional details available.
No additional details available.
As low as
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
No additional details available.
$5,000+
As low as
From October through December, qualified members can borrow up to $1,200. For details call (719) 589-6535.
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As 10.99% APR. Personal Loan Details
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.
As low as
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Max. Amount: $10,000
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.
As low as 12.00%
Credit Score: 640 - 659
No additional details available.
No additional details available.
Up to $4,999.99
No additional details available.
As low as 13.00%
No additional details available.
No additional details available.
No additional details available.
Credit Score: 600 - 639
No additional details available.
No additional details available.
$1500
Credit Score: < 600
No additional details available.
No additional details available.
Colorado Personal Loan Rates
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No additional details available.
No additional details available.
No additional details available.
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
$5,000+
No additional details available.
No additional details available.
No additional details available.
As Low As 10.99% APR. Personal Loan Details
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.
As low as
As Low As; Max. Amount: $10,000
Up to $4,999.99
Colorado Debt Consolidation Loan Rates
Colorado Signature Loan Rates
As low as
As Low As; Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term.
Celebrate 89 Years with up to $8,900*
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
No additional details available.
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
As low as
No additional details available.
As low as
As low as
No additional details available.
As low as
No additional details available.
As low as 12.00%
No additional details available.
As low as 13.00%
No additional details available.
No additional details available.
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 currently average 10.746% APR.
Colorado signature loan rates currently average 12.909% 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)
- Security Service Federal Credit Union: 5.50% (Power Rate Loan)
- Space Age Credit Union: 5.74% (1st Place 2nd MTG Loan)
- The District Federal Credit Union: 5.74% (A+ 52 Loan)
- Holyoke Community Federal Credit Union: 5.75% (4-H Loans)
