Best Personal Loan Rates in Montrose, Colorado (CO) - April 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 Montrose, Colorado include: San Juan Mountains Credit UnionSan Juan Mountains Credit Union1400 E Main St, Montrose, CO, 81401A+5.0 ★Texas Ratio: 0.34% offering Recreational Loans at 7.00% APR, NuVista Federal Credit UnionNuVista Federal Credit Union2711 Commercial Way, Montrose, CO, 81401A+5.0 ★Texas Ratio: 0.67% offering Signature Loans at 10.49% APR, Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering Spring Loan Special at 4.00% APR, Fidelis Catholic Federal Credit UnionFidelis Catholic Federal Credit UnionB4.6 ★Texas Ratio: 19.39% offering Freedom Loan at 4.50% APR, and Holyoke Community Federal Credit UnionHolyoke Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering 4-H Loans at 5.75% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Montrose has 2 local institutions in our database, with personal loan rates as low as 7.00% APR from San Juan Mountains Credit Union at 1400 E Main St, Montrose, CO, 81401. Use the tabs below to compare all available personal loan types. 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 Montrose, Colorado.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Montrose, 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: April 8, 2026
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Spring into savings with our special loan rate!
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Rates currently starting at a minimum of 7.25 - 8.0% APR (subject to underwriting - the final rate may be higher)
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Loans up to $30,000. Personal Loan Payment Example: Monthly payment for a $15,000 loan at 7.99% APR for a 60-month term = $305.02
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
$3,000
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$5,000+
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Loan limited to 10% of annual gross income
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Up to $4,999.99
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An affordable, short-term loan
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Spring into savings with our special loan rate!
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Loans up to $30,000. Personal Loan Payment Example: Monthly payment for a $15,000 loan at 7.99% APR for a 60-month term = $305.02
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Montrose, CO Personal Loan Rate Trends
Compare local Montrose, CO 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 0.972 points over the past 7 days to 11.494% APR.
Colorado signature loan rates rose 0.335 points over the past 7 days to 12.317% APR.
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 Montrose, Colorado?
What are the best personal loan rates in Montrose, Colorado?
- San Juan Mountains Credit Union: 7.00% (Recreational Loans)
- NuVista Federal Credit Union: 10.49% (Signature Loans)
- Electrical Federal Credit Union: 4.00% (Spring Loan Special)
- Fidelis Catholic Federal Credit Union: 4.50% (Freedom Loan)
- Holyoke Community Federal Credit Union: 5.75% (4-H Loans)
Personal Loan Calculators
