Best Personal Loan Rates in Colorado - June 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, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit Union101 W Denver St, Holyoke, CO, 80734 1427A+5.0 ★Texas Ratio: 2.79% offering 2018 - Older Loan at 5.50% APR, Pueblo Government Agencies Federal Credit UnionPueblo Government Agencies Federal Credit Union720 N Greenwood St, Pueblo, CO, 81003 3014A+5.0 ★Texas Ratio: 0.35% offering Second Chance/Credit Builder Program Loan at 5.80% APR, Metrum Community Credit UnionMetrum Community Credit Union6980 S Holly Cir, Centennial, CO, 80112 1018A+5.0 ★Texas Ratio: 1.39% offering 2026 CC Balance Transfer Loan at 5.99% APR, and Fellowship Credit UnionFellowship Credit Union803 E Olive St, Lamar, CO, 81052A5.0 ★Texas Ratio: 10.39% offering Real Estate Loan at 6.49% APR. Personal loan rates as of June 16, 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 16, 2026
Colorado Personal Loan Rates
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Up To $4000.00; 5.75%
Build your Credit and your Savings all in one shot! Borrow $500- $5,000 Guaranteed Approval*. Fixed Interest rates as low as 5.80% APR. You select repayment term (9 to 60 months). Low monthly payments. Payroll deduction or automatic transfer for payment options available. 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!
Lock-in a fixed rate; No annual fees
Example: $500 goal $23/monthly payment 24 month term Rate as low as 6.30% APR Interest you'll pay $32.52
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*
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As Low As
APR up to 9.615%
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
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%
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APR up to 10.365%
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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).
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
Score: 680-729; Max LTV: 70%; Max DTI: 45%; Amount Financed: $50,000 & above
Score: 680-729, Max LTV: 70%, Max DTI: 45%, Amount Financed: $50,000 & above
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APR up to 10.865%
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
Score: 680-729, Max LTV: 80%, Max DTI: 45%, Amount Financed: $50,000 & above
Score: 680-729; Max LTV: 80%; Max DTI: 45%; Amount Financed: $50,000 & above
As Low As
Score: 680-729, Max LTV: 70%, Max DTI: 45%, Amount Financed: $40,000-$49,999
Score: 680-729; Max LTV: 70%; Max DTI: 45%; Amount Financed: $40,000-$49,999
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).
Score: 680-729, Max LTV: 90%, Max DTI: 45%, Amount Financed: $50,000 & above
Score: 680-729; Max LTV: 80%; 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
Rates as low as 8.75% A.P.R.
Score: 680-729, Max LTV: 90%, Max DTI: 45%, Amount Financed: $40,000-$49,999
Score: 680-729; Max LTV: 90%; Max DTI: 45%; Amount Financed: $40,000-$49,999
Celebrate 89 Years with up to $8,900*
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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
Score: 680-729, Max LTV: 90%, Max DTI: 45%, Amount Financed: $20,000-$39,999
Score: 680-729; Max LTV: 90%; Max DTI: 45%; Amount Financed: $20,000-$39,999
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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
As Low As; Fixed APR
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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.
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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).
As Low As
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As Low As; Unsecured
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As low as
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 12.00%
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.
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As low as 13.00%
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$1500
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Score: 680-729; Max LTV: 90%; Max DTI: 45%; Amount Financed: $50,000 & above
Score: 680-729; Max LTV: 90%; Max DTI: 45%; Amount Financed: $50,000 & above
Colorado Personal Loan Rates
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Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
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As Low As
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As Low As; Unsecured
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.
No additional details available.
No additional details available.
As Low As
As low as
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As Low As
Colorado Debt Consolidation Loan Rates
Colorado Signature Loan Rates
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Rates as low as 8.75% A.P.R.
Celebrate 89 Years with up to $8,900*
As Low As; Fixed APR
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.
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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).
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As low as 12.00%
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As low as 13.00%
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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 fell 0.022 points over the past 7 days to 10.571% APR.
Colorado signature loan rates rose 0.021 points over the past 7 days to 12.829% 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)
- Holyoke Community Federal Credit Union: 5.50% (2018 - Older Loan)
- Pueblo Government Agencies Federal Credit Union: 5.80% (Second Chance/Credit Builder Program Loan)
- Metrum Community Credit Union: 5.99% (2026 CC Balance Transfer Loan)
- Fellowship Credit Union: 6.49% (Real Estate Loan)
