MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 72% of borrowers would use a personal loan to pay off other debt. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our editorial team independently verifies all rates and data displayed. Advertiser relationships do not influence our health rating, star rankings, Texas Ratio calculation, or the rates shown.
Personal Loan Rate Trends

Centennial, Colorado Best Personal Loan Rates - October 2026

Centennial, Colorado personal loan rates range from 7.50% to 18.75% APR, verified by MonitorBankRates as of October 12, 2026. Current personal loan options available to borrowers in Centennial, Colorado include: Navy Federal Credit UnionNavy Federal Credit Union10860 E Briarwood Ave, Centennial, CO, 80112A5.0 ★Texas Ratio: 8.14% offering Personal Loan at 8.74% APR, Westerra Credit UnionWesterra Credit Union20991 E Smoky Hill Rd, Centennial, CO, 80015 5184A+5.0 ★Texas Ratio: 3.20% offering Personal Loan at 9.99% APR, Columbine Federal Credit UnionColumbine Federal Credit Union4902 E Dry Creek Rd, Centennial, CO, 80122A5.0 ★Texas Ratio: 8.82% offering Personal Loan at 10.99% APR, Metrum Community Credit UnionMetrum Community Credit Union6980 S Holly Cir, Centennial, CO, 80112 1018A+5.0 ★Texas Ratio: 0.80% offering UNSECURED/PERSONAL Loan at 10.99% APR, and Meritrust Credit UnionMeritrust Credit Union10637 E Briarwood Cir, Centennial, CO, 80112 1147A+5.0 ★Texas Ratio: 4.29% offering Signature Loan at 12.15% APR. Personal loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

Centennial has 6 local institutions in our database, with personal loan rates as low as 8.74% APR from Navy Federal Credit Union at 10860 E Briarwood Ave, Centennial, CO, 80112. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Centennial, Colorado.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Centennial, 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: October 12, 2026

Centennial Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
10860 E Briarwood Ave, Centennial, CO, 80112
Personal LoanTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 30, 2026: 8.74% APRSep 30, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
20991 E Smoky Hill Rd, Centennial, CO, 80015 5184
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
10860 E Briarwood Ave, Centennial, CO, 80112
Personal LoanTerm: 37-60 Months
10.69%
▼
APR10.69%
Term37-60 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 10.69% APR · checked 4 times
10.19%10.69%11.19%Sep 30, 2026: 10.69% APRSep 30, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
Personal LoanTerm: Up to 72 months
10.99%
▼
APR10.99%
TermUp to 72 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO, 80112 1018
UNSECURED/PERSONAL LoanTerm: Up to 48 months
10.99%
▼
APR10.99%
TermUp to 48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 36 Months
12.15%
▼
APR12.15%
Term36 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 35 payments of $334.45, 1 payment of $334.36

Rate History
1 change since Sep 18, 2026 · 11.90% → 12.15% ▲ 0.25 pts · high 12.15% / low 11.90%
11.40%12.03%12.65%Sep 18, 2026: 11.90% APROct 9, 2026: 12.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202612.15%▲ from 11.90%
  • Sep 18, 202611.90%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 48 Months
13.15%
▼
APR13.15%
Term48 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 47 payments of $270.42, 1 payment of $270.23

Rate History
1 change since Sep 18, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90%
12.40%13.03%13.65%Sep 18, 2026: 12.90% APROct 9, 2026: 13.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202613.15%▲ from 12.90%
  • Sep 18, 202612.90%first recorded
Arapahoe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Unsecured Personal LoanTerm: 12-60 months
13.99%
▼
APR13.99%
Term12-60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 13.99% APR · checked 2 times
13.49%13.99%14.49%Oct 1, 2026: 13.99% APROct 1, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 60 Months
14.15%
▼
APR14.15%
Term60 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 59 payments of $234.77, 1 payment of $234.72

Rate History
1 change since Sep 18, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90%
13.40%14.03%14.65%Sep 18, 2026: 13.90% APROct 9, 2026: 14.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202614.15%▲ from 13.90%
  • Sep 18, 202613.90%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 72 Months
16.15%
▼
APR16.15%
Term72 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 71 payments of $219.15, 1 payment of $218.53

Rate History
1 change since Sep 18, 2026 · 15.90% → 16.15% ▲ 0.25 pts · high 16.15% / low 15.90%
15.40%16.03%16.65%Sep 18, 2026: 15.90% APROct 9, 2026: 16.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202616.15%▲ from 15.90%
  • Sep 18, 202615.90%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Everyday Solar System LoanTerm: 12 years
7.50%
▼
APR7.50%
Term12 years
Last UpdatedNot available
Details

As Low As; Rates shown include a 2.00% discount for automatic loan payments. Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more.

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Solar Loan
7.50%
▼
APR7.50%
TermN/A
Last UpdatedNot available
Details

Rates as low as 7.50% APR. Flexible terms designed to match your solar payback period.

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 12 Months
7.74%
▼
APR7.74%
Term12 Months
Last UpdatedNot available
Details

Published APR range: 7.74% - 18.74%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Signature LoanTerm: up to 48 months
8.00%
▼
APR8.00%
Termup to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
7.50%8.00%8.50%Sep 16, 2026: 8.00% APRSep 16, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Unsecured Clean Energy LoanTerm: 3 years
8.24%
▼
APR8.24%
Term3 years
Last UpdatedNot available
Details

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

Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
7.74%8.24%8.74%Sep 14, 2026: 8.24% APRSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Unsecured Personal LoansTerm: Up to 60 months
8.49%
▼
APR8.49%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Lowest stated APR assumes credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 8.49%.

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Up to 60 Months
8.64%
▼
APR8.64%
TermUp to 60 Months
Last UpdatedNot available
Details

Published APR range: 8.64%-9.64%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 8.64% APR
8.14%8.64%9.14%Oct 9, 2026: 8.64% APROct 9, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Unsecured Clean Energy LoanTerm: 5 years
8.74%
▼
APR8.74%
Term5 years
Last UpdatedNot available
Details

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

Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 7 times
8.24%8.74%9.24%Sep 14, 2026: 8.74% APRSep 14, 2026Oct 13, 2026
Pueblo Government Agencies Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature Loan
8.75%
▼
APR8.75%
TermN/A
Last UpdatedNot available
Details

Regular Signature Loan. As low as quoted with approved credit and are also based off of the term.

Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 3 times
8.25%8.75%9.25%Sep 16, 2026: 8.75% APRSep 16, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Unsecured Clean Energy LoanTerm: 7 years
8.99%
▼
APR8.99%
Term7 years
Last UpdatedNot available
Details

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

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 24 Months
9.24%
▼
APR9.24%
Term24 Months
Last UpdatedNot available
Details

Published APR range: 9.24% - 19.24%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 6 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Personal Signature Loan - Closed
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Oct 5, 2026 · 9.49% APR · checked 2 times
8.99%9.49%9.99%Oct 5, 2026: 9.49% APROct 5, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Unsecured Clean Energy LoanTerm: 10 years
9.49%
▼
APR9.49%
Term10 years
Last UpdatedNot available
Details

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

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 7 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Signature Loan
9.50%
▼
APR9.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates As Low As

Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
9.74%
▼
APR9.74%
TermN/A
Last UpdatedNot available
Details

A+ Rate

Rate History
No change since Oct 5, 2026 · 9.74% APR · checked 2 times
9.24%9.74%10.24%Oct 5, 2026: 9.74% APROct 5, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 36 Months
9.74%
▼
APR9.74%
Term36 Months
Last UpdatedNot available
Details

Published APR range: 9.74% - 19.99%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 6 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
Personal Loans
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates as low as 9.99% APR

Rate History
No change since Sep 25, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 25, 2026: 9.99% APRSep 25, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Credit score determines rate, maximum loan amount and term; Membership required with minimum share/savings balance of $25.00; Must be 18 years of age

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 6 months
9.99%
▼
APR9.99%
Term6 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Signature LoansTerm: up to 60 months
9.99%
▼
APR9.99%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Oct 9, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Personal Term Loans (Unsecured/Signature)Term: 24 - 47 Months
9.99%
▼
APR9.99%
Term24 - 47 Months
Last UpdatedNot available
Details

Published APR range: 9.99% - 20.24%.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Sunwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
Unsecured Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 18, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49%
8.99%9.74%10.49%Sep 18, 2026: 9.49% APROct 5, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20269.99%▲ from 9.49%
  • Sep 18, 20269.49%first recorded
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

$5,000+; Published APR range: 9.99 - 18.00%.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Signature LoanTerm: To 48 months
10.00%
▼
APR10.00%
TermTo 48 months
Last UpdatedNot available
Details

As Low As; Adjustable rate loan, subject to change, not everyone will qualify for lowest rate; Available rate based on credit history and term; Term based on amount financed

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 7 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.43%
Unsecured Loan
10.00%
▼
APR10.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan Amount: Up to $10,000

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Signature Loan
10.00%
▼
APR10.00%
TermN/A
Last UpdatedNot available
Details

As low as 10.00%

Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
10.24%
▼
APR10.24%
TermN/A
Last UpdatedNot available
Details

A Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 10.24% ▲ 0.50 pts · high 10.24% / low 9.74%
9.24%9.99%10.74%Oct 5, 2026: 9.74% APROct 9, 2026: 10.24% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202610.24%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Signature LoanTerm: 0-60 Months
10.24%
▼
APR10.24%
Term0-60 Months
Last UpdatedNot available
Details

Fixed

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 5 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
Unsecured Loan
10.24%
▼
APR10.24%
TermN/A
Last UpdatedNot available
Details

APR* up to 18.00%

Rate History
1 change since Sep 14, 2026 · 8.45% → 10.24% ▲ 1.79 pts · high 10.24% / low 8.45%
6.66%9.34%12.03%Sep 14, 2026: 8.45% APROct 9, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202610.24%▲ from 8.45%
  • Sep 14, 20268.45%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 48 Months
10.24%
▼
APR10.24%
Term48 Months
Last UpdatedNot available
Details

Published APR range: 10.24% - 20.74%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 6 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Delta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Unsecured LoanTerm: up to 36 month
10.25%
▼
APR10.25%
Termup to 36 month
Last UpdatedNot available
Details

Personal loans; $5,000 maximum; As Low As; *

Rate History
No change since Oct 9, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 9, 2026: 10.25% APROct 9, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 12 months
10.49%
▼
APR10.49%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 8 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Up to 72 Months
10.49%
▼
APR10.49%
TermUp to 72 Months
Last UpdatedNot available
Details

Published APR range: 10.49%-10.99%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 9, 2026: 10.49% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Personal Term Loans (Unsecured/Signature)Term: 48 - 60 Months
10.49%
▼
APR10.49%
Term48 - 60 Months
Last UpdatedNot available
Details

Published APR range: 10.49% - 20.74%.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 5 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 36 months
10.49%
▼
APR10.49%
Term36 months
Last UpdatedNot available
Details

Published APR range: 10.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 10, 2026: 10.49% APROct 10, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Signature LoanTerm: 49-60 months
10.50%
▼
APR10.50%
Term49-60 months
Last UpdatedNot available
Details

As Low As; Adjustable rate loan, subject to change, not everyone will qualify for lowest rate; Available rate based on credit history and term; Term based on amount financed

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 24 months
10.74%
▼
APR10.74%
Term24 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 8 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Personal Loan
10.74%
▼
APR10.74%
TermN/A
Last UpdatedNot available
Details

APR as low as*; Lowest rate shown for qualified borrowers on Auto, Motorcycle, HELOC, RV loans, and personal loans with eligible Peak Perks Checking or Summit Dividend Checking account.

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 6 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.43%
Personal - Revolving Loans
10.75%
▼
APR10.75%
TermN/A
Last UpdatedNot available
Details

The rate will vary based on personal credit history and underwriting factors. The applicable rate will be provided upon completion of a loan application.

Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 5 times
10.25%10.75%11.25%Sep 14, 2026: 10.75% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 36 months
10.99%
▼
APR10.99%
Term36 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 8 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Consolidation LoansTerm: 36- 59 Months
10.99%
▼
APR10.99%
Term36- 59 Months
Last UpdatedNot available
Details

Published APR range: 10.99% - 13.99%.

Rate History
No change since Oct 9, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 9, 2026: 10.99% APROct 9, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
Personal Loan - FixedTerm: Up to 60 months
10.99%
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Personal Loans
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 3 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 13, 2026
Space Age Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.29%
Signature Loan
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 48 months
11.24%
▼
APR11.24%
Term48 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 8 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Personal LoansTerm: 24 months
11.24%
▼
APR11.24%
Interest Rate11.24%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 11.24% APR · checked 6 times
10.74%11.24%11.74%Sep 18, 2026: 11.24% APRSep 18, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Consolidation LoansTerm: 60- 72 Months
11.49%
▼
APR11.49%
Term60- 72 Months
Last UpdatedNot available
Details

Published APR range: 11.49% - 14.99%.

Rate History
No change since Oct 9, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 9, 2026: 11.49% APROct 9, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Signature Loan (Personal Loan)Term: 36 months
11.49%
▼
APR11.49%
Term36 months
Last UpdatedNot available
Details

Loan Amount example: $5,000; Payment example: $165.69

Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
11.74%
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

B Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 11.74% ▲ 2.00 pts · high 11.74% / low 9.74%
7.74%10.74%13.74%Oct 5, 2026: 9.74% APROct 9, 2026: 11.74% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202611.74%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
11.75%
▼
APR11.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: B; Max Loan Amount: $5,000

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Unsecured Personal LoanTerm: up to 36 months
11.99%
▼
APR11.99%
Termup to 36 months
Last UpdatedNot available
Details

As low as; Max. Amount: $10,000

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 48 months
11.99%
▼
APR11.99%
Term48 months
Last UpdatedNot available
Details

Published APR range: 11.99% - 20.99%.

Rate History
No change since Oct 10, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 10, 2026: 11.99% APROct 10, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Signature Loan - LargeTerm: up to 48 months
12.00%
▼
APR12.00%
Termup to 48 months
Last UpdatedNot available
Details

As Low As; Rate determined by underwriting guidelines

Rate History
No change since Sep 16, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 16, 2026: 12.00% APRSep 16, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Signature LoanTerm: Up to 60 Months
12.00%
▼
APR12.00%
Interest Rate11.99%
TermUp to 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 60 months
12.49%
▼
APR12.49%
Term60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 8 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 60 months
12.49%
▼
APR12.49%
Term60 months
Last UpdatedNot available
Details

Published APR range: 12.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 10, 2026: 12.49% APROct 10, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
12.99%
▼
APR12.99%
TermN/A
Last UpdatedNot available
Details

Up to $4,999.99; Published APR range: 12.99 - 18.00%.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 72 months
12.99%
▼
APR12.99%
Term72 months
Last UpdatedNot available
Details

Published APR range: 12.99% - 20.99%.

Rate History
No change since Oct 10, 2026 · 12.99% APR
12.49%12.99%13.49%Oct 10, 2026: 12.99% APROct 10, 2026Oct 13, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Personal Advances LoanTerm: Up to 3 years
12.99%
▼
APR12.99%
TermUp to 3 years
Last UpdatedNot available
Details

Published APR range: 12.99% - 17.99%.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 7 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Signature Loan - SmallTerm: up to 24 months
13.00%
▼
APR13.00%
Termup to 24 months
Last UpdatedNot available
Details

As Low As; Rate determined by underwriting guidelines

Rate History
No change since Sep 16, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Sep 16, 2026: 13.00% APRSep 16, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal LoanTerm: 3 months
13.00%
▼
APR13.00%
Term3 months
Last UpdatedNot available
Details

Term: $3,000 - $5,000 for 36 months; Up to $2,999.00 for 24 months

Rate History
No change since Oct 5, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Oct 5, 2026: 13.00% APROct 5, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Signature Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

Condition: $8,000 for 60 months. $13,000 with 700 or more credit score up to 72 months

Rate History
No change since Sep 21, 2026 · 13.00% APR · checked 4 times
12.50%13.00%13.50%Sep 21, 2026: 13.00% APRSep 21, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 84 months
13.49%
▼
APR13.49%
Term84 months
Last UpdatedNot available
Details

Published APR range: 13.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 13.49% APR
12.99%13.49%13.99%Oct 10, 2026: 13.49% APROct 10, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Revolving
13.65%
▼
APR13.65%
TermRevolving
Last UpdatedNot available
Details

Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 13.65% APR
13.15%13.65%14.15%Oct 9, 2026: 13.65% APROct 9, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
13.74%
▼
APR13.74%
TermN/A
Last UpdatedNot available
Details

C Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 13.74% ▲ 4.00 pts · high 13.74% / low 9.74%
5.74%11.74%17.74%Oct 5, 2026: 9.74% APROct 9, 2026: 13.74% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202613.74%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature LoanTerm: Up To 36 Months
15.00%
▼
APR15.00%
TermUp To 36 Months
Last UpdatedNot available
Details

As Low As; APR* As Low As

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 7 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
16.75%
▼
APR16.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: C; Max Loan Amount: $3,000

Rate History
No change since Sep 18, 2026 · 16.75% APR · checked 4 times
16.25%16.75%17.25%Sep 18, 2026: 16.75% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
18.75%
▼
APR18.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: D; Max Loan Amount: $2,500

Rate History
No change since Sep 18, 2026 · 18.75% APR · checked 4 times
18.25%18.75%19.25%Sep 18, 2026: 18.75% APRSep 18, 2026Oct 13, 2026

Centennial Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
10860 E Briarwood Ave, Centennial, CO, 80112
Personal LoanTerm: Up to 36 Months
8.74%
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 30, 2026: 8.74% APRSep 30, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
20991 E Smoky Hill Rd, Centennial, CO, 80015 5184
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
10860 E Briarwood Ave, Centennial, CO, 80112
Personal LoanTerm: 37-60 Months
10.69%
▼
APR10.69%
Term37-60 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 10.69% APR · checked 4 times
10.19%10.69%11.19%Sep 30, 2026: 10.69% APRSep 30, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
Personal LoanTerm: Up to 72 months
10.99%
▼
APR10.99%
TermUp to 72 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO, 80112 1018
UNSECURED/PERSONAL LoanTerm: Up to 48 months
10.99%
▼
APR10.99%
TermUp to 48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Unsecured Personal LoanTerm: 12-60 months
13.99%
▼
APR13.99%
Term12-60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 1, 2026 · 13.99% APR · checked 2 times
13.49%13.99%14.49%Oct 1, 2026: 13.99% APROct 1, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 12 Months
7.74%
▼
APR7.74%
Term12 Months
Last UpdatedNot available
Details

Published APR range: 7.74% - 18.74%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Unsecured Personal LoansTerm: Up to 60 months
8.49%
▼
APR8.49%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Lowest stated APR assumes credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 8.49%.

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Up to 60 Months
8.64%
▼
APR8.64%
TermUp to 60 Months
Last UpdatedNot available
Details

Published APR range: 8.64%-9.64%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 8.64% APR
8.14%8.64%9.14%Oct 9, 2026: 8.64% APROct 9, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 24 Months
9.24%
▼
APR9.24%
Term24 Months
Last UpdatedNot available
Details

Published APR range: 9.24% - 19.24%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 6 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
9.74%
▼
APR9.74%
TermN/A
Last UpdatedNot available
Details

A+ Rate

Rate History
No change since Oct 5, 2026 · 9.74% APR · checked 2 times
9.24%9.74%10.24%Oct 5, 2026: 9.74% APROct 5, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 36 Months
9.74%
▼
APR9.74%
Term36 Months
Last UpdatedNot available
Details

Published APR range: 9.74% - 19.99%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 6 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
Personal Loans
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates as low as 9.99% APR

Rate History
No change since Sep 25, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 25, 2026: 9.99% APRSep 25, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

$5,000+; Published APR range: 9.99 - 18.00%.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
10.24%
▼
APR10.24%
TermN/A
Last UpdatedNot available
Details

A Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 10.24% ▲ 0.50 pts · high 10.24% / low 9.74%
9.24%9.99%10.74%Oct 5, 2026: 9.74% APROct 9, 2026: 10.24% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202610.24%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Personal LoanTerm: 48 Months
10.24%
▼
APR10.24%
Term48 Months
Last UpdatedNot available
Details

Published APR range: 10.24% - 20.74%.; Model Year: 2016 - 2020

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 6 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Up to 72 Months
10.49%
▼
APR10.49%
TermUp to 72 Months
Last UpdatedNot available
Details

Published APR range: 10.49%-10.99%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 9, 2026: 10.49% APROct 9, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 36 months
10.49%
▼
APR10.49%
Term36 months
Last UpdatedNot available
Details

Published APR range: 10.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 10, 2026: 10.49% APROct 10, 2026Oct 13, 2026
Elevations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Personal Loan
10.74%
▼
APR10.74%
TermN/A
Last UpdatedNot available
Details

APR as low as*; Lowest rate shown for qualified borrowers on Auto, Motorcycle, HELOC, RV loans, and personal loans with eligible Peak Perks Checking or Summit Dividend Checking account.

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 6 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026
Bellco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.71%
Personal Loan - FixedTerm: Up to 60 months
10.99%
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
Personal Loans
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 3 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Personal Loans
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Personal LoansTerm: 24 months
11.24%
▼
APR11.24%
Interest Rate11.24%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 11.24% APR · checked 6 times
10.74%11.24%11.74%Sep 18, 2026: 11.24% APRSep 18, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Signature Loan (Personal Loan)Term: 36 months
11.49%
▼
APR11.49%
Term36 months
Last UpdatedNot available
Details

Loan Amount example: $5,000; Payment example: $165.69

Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
11.74%
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

B Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 11.74% ▲ 2.00 pts · high 11.74% / low 9.74%
7.74%10.74%13.74%Oct 5, 2026: 9.74% APROct 9, 2026: 11.74% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202611.74%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
11.75%
▼
APR11.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: B; Max Loan Amount: $5,000

Rate History
No change since Sep 18, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 18, 2026: 11.75% APRSep 18, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Unsecured Personal LoanTerm: up to 36 months
11.99%
▼
APR11.99%
Termup to 36 months
Last UpdatedNot available
Details

As low as; Max. Amount: $10,000

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 48 months
11.99%
▼
APR11.99%
Term48 months
Last UpdatedNot available
Details

Published APR range: 11.99% - 20.99%.

Rate History
No change since Oct 10, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 10, 2026: 11.99% APROct 10, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 60 months
12.49%
▼
APR12.49%
Term60 months
Last UpdatedNot available
Details

Published APR range: 12.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 10, 2026: 12.49% APROct 10, 2026Oct 13, 2026
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
12.99%
▼
APR12.99%
TermN/A
Last UpdatedNot available
Details

Up to $4,999.99; Published APR range: 12.99 - 18.00%.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 72 months
12.99%
▼
APR12.99%
Term72 months
Last UpdatedNot available
Details

Published APR range: 12.99% - 20.99%.

Rate History
No change since Oct 10, 2026 · 12.99% APR
12.49%12.99%13.49%Oct 10, 2026: 12.99% APROct 10, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal LoanTerm: 3 months
13.00%
▼
APR13.00%
Term3 months
Last UpdatedNot available
Details

Term: $3,000 - $5,000 for 36 months; Up to $2,999.00 for 24 months

Rate History
No change since Oct 5, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Oct 5, 2026: 13.00% APROct 5, 2026Oct 13, 2026
Wings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
Personal LoanTerm: 84 months
13.49%
▼
APR13.49%
Term84 months
Last UpdatedNot available
Details

Published APR range: 13.49% - 20.99%.

Rate History
No change since Oct 10, 2026 · 13.49% APR
12.99%13.49%13.99%Oct 10, 2026: 13.49% APROct 10, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Personal LoanTerm: Revolving
13.65%
▼
APR13.65%
TermRevolving
Last UpdatedNot available
Details

Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

Rate History
No change since Oct 9, 2026 · 13.65% APR
13.15%13.65%14.15%Oct 9, 2026: 13.65% APROct 9, 2026Oct 13, 2026
The District Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
Personal Loan Payment Example
13.74%
▼
APR13.74%
TermN/A
Last UpdatedNot available
Details

C Rate

Rate History
1 change since Oct 5, 2026 · 9.74% → 13.74% ▲ 4.00 pts · high 13.74% / low 9.74%
5.74%11.74%17.74%Oct 5, 2026: 9.74% APROct 9, 2026: 13.74% APROct 5, 2026Oct 13, 2026
  • Oct 9, 202613.74%▲ from 9.74%
  • Oct 5, 20269.74%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
16.75%
▼
APR16.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: C; Max Loan Amount: $3,000

Rate History
No change since Sep 18, 2026 · 16.75% APR · checked 4 times
16.25%16.75%17.25%Sep 18, 2026: 16.75% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans (Unsecured)
18.75%
▼
APR18.75%
TermN/A
Last UpdatedNot available
Details

Credit Tier: D; Max Loan Amount: $2,500

Rate History
No change since Sep 18, 2026 · 18.75% APR · checked 4 times
18.25%18.75%19.25%Sep 18, 2026: 18.75% APRSep 18, 2026Oct 13, 2026

Centennial Debt Consolidation Loan Rates

No debt consolidation personal loan rates found in Centennial, CO currently.

Centennial Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 36 Months
12.15%
▼
APR12.15%
Term36 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 35 payments of $334.45, 1 payment of $334.36

Rate History
1 change since Sep 18, 2026 · 11.90% → 12.15% ▲ 0.25 pts · high 12.15% / low 11.90%
11.40%12.03%12.65%Sep 18, 2026: 11.90% APROct 9, 2026: 12.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202612.15%▲ from 11.90%
  • Sep 18, 202611.90%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 48 Months
13.15%
▼
APR13.15%
Term48 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 47 payments of $270.42, 1 payment of $270.23

Rate History
1 change since Sep 18, 2026 · 12.90% → 13.15% ▲ 0.25 pts · high 13.15% / low 12.90%
12.40%13.03%13.65%Sep 18, 2026: 12.90% APROct 9, 2026: 13.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202613.15%▲ from 12.90%
  • Sep 18, 202612.90%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 60 Months
14.15%
▼
APR14.15%
Term60 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 59 payments of $234.77, 1 payment of $234.72

Rate History
1 change since Sep 18, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90%
13.40%14.03%14.65%Sep 18, 2026: 13.90% APROct 9, 2026: 14.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202614.15%▲ from 13.90%
  • Sep 18, 202613.90%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
10637 E Briarwood Cir, Centennial, CO, 80112 1147
Signature LoanTerm: 72 Months
16.15%
▼
APR16.15%
Term72 Months
Last UpdatedNot available
Details

The monthly payment schedule plan for a financed amount of $10,000 includes: 71 payments of $219.15, 1 payment of $218.53

Rate History
1 change since Sep 18, 2026 · 15.90% → 16.15% ▲ 0.25 pts · high 16.15% / low 15.90%
15.40%16.03%16.65%Sep 18, 2026: 15.90% APROct 9, 2026: 16.15% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202616.15%▲ from 15.90%
  • Sep 18, 202615.90%first recorded
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Signature LoanTerm: up to 48 months
8.00%
▼
APR8.00%
Termup to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
7.50%8.00%8.50%Sep 16, 2026: 8.00% APRSep 16, 2026Oct 13, 2026
Pueblo Government Agencies Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature Loan
8.75%
▼
APR8.75%
TermN/A
Last UpdatedNot available
Details

Regular Signature Loan. As low as quoted with approved credit and are also based off of the term.

Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 3 times
8.25%8.75%9.25%Sep 16, 2026: 8.75% APRSep 16, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Personal Signature Loan - Closed
9.49%
▼
APR9.49%
TermN/A
Last UpdatedNot available
Details

Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Oct 5, 2026 · 9.49% APR · checked 2 times
8.99%9.49%9.99%Oct 5, 2026: 9.49% APROct 5, 2026Oct 13, 2026
Denver Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Signature Loan
9.50%
▼
APR9.50%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates As Low As

Rate History
No change since Sep 16, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 16, 2026: 9.50% APRSep 16, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Credit score determines rate, maximum loan amount and term; Membership required with minimum share/savings balance of $25.00; Must be 18 years of age

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 6 months
9.99%
▼
APR9.99%
Term6 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Signature LoansTerm: up to 60 months
9.99%
▼
APR9.99%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Oct 9, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Personal Term Loans (Unsecured/Signature)Term: 24 - 47 Months
9.99%
▼
APR9.99%
Term24 - 47 Months
Last UpdatedNot available
Details

Published APR range: 9.99% - 20.24%.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Signature LoanTerm: To 48 months
10.00%
▼
APR10.00%
TermTo 48 months
Last UpdatedNot available
Details

As Low As; Adjustable rate loan, subject to change, not everyone will qualify for lowest rate; Available rate based on credit history and term; Term based on amount financed

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 7 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Fellowship Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Signature Loan
10.00%
▼
APR10.00%
TermN/A
Last UpdatedNot available
Details

As low as 10.00%

Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Signature LoanTerm: 0-60 Months
10.24%
▼
APR10.24%
Term0-60 Months
Last UpdatedNot available
Details

Fixed

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 5 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 12 months
10.49%
▼
APR10.49%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 8 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
NuVista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Personal Term Loans (Unsecured/Signature)Term: 48 - 60 Months
10.49%
▼
APR10.49%
Term48 - 60 Months
Last UpdatedNot available
Details

Published APR range: 10.49% - 20.74%.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 5 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Signature LoanTerm: 49-60 months
10.50%
▼
APR10.50%
Term49-60 months
Last UpdatedNot available
Details

As Low As; Adjustable rate loan, subject to change, not everyone will qualify for lowest rate; Available rate based on credit history and term; Term based on amount financed

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 24 months
10.74%
▼
APR10.74%
Term24 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 8 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 36 months
10.99%
▼
APR10.99%
Term36 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 8 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Space Age Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.29%
Signature Loan
11.00%
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 48 months
11.24%
▼
APR11.24%
Term48 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 8 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Signature Loan (Personal Loan)Term: 36 months
11.49%
▼
APR11.49%
Term36 months
Last UpdatedNot available
Details

Loan Amount example: $5,000; Payment example: $165.69

Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Signature Loan - LargeTerm: up to 48 months
12.00%
▼
APR12.00%
Termup to 48 months
Last UpdatedNot available
Details

As Low As; Rate determined by underwriting guidelines

Rate History
No change since Sep 16, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 16, 2026: 12.00% APRSep 16, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Signature LoanTerm: Up to 60 Months
12.00%
▼
APR12.00%
Interest Rate11.99%
TermUp to 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Fidelis Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Signature Loans (Unsecured)Term: 60 months
12.49%
▼
APR12.49%
Term60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 8 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Holyoke Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Signature Loan - SmallTerm: up to 24 months
13.00%
▼
APR13.00%
Termup to 24 months
Last UpdatedNot available
Details

As Low As; Rate determined by underwriting guidelines

Rate History
No change since Sep 16, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Sep 16, 2026: 13.00% APRSep 16, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Signature Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

Condition: $8,000 for 60 months. $13,000 with 700 or more credit score up to 72 months

Rate History
No change since Sep 21, 2026 · 13.00% APR · checked 4 times
12.50%13.00%13.50%Sep 21, 2026: 13.00% APRSep 21, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature LoanTerm: Up To 36 Months
15.00%
▼
APR15.00%
TermUp To 36 Months
Last UpdatedNot available
Details

As Low As; APR* As Low As

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 7 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026

Centennial, CO Personal Loan Rate Trends

Compare local Centennial, 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.

View Full Colorado Personal Loan Trends
Personal Loan CO Avg
10.738%
▲ 0.180 vs 7 days ago

Colorado personal loan rates rose 0.180 points over the past 7 days to 10.738% APR.

Signature Loan CO Avg
10.650%
▼ 0.044 vs 7 days ago

Colorado signature loan rates fell 0.044 points over the past 7 days to 10.650% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Centennial, CO Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Colorado figures.

Current Personal Loan Avg
10.74%
APR, as of Oct 13, 2026
6-Month Forecast
10.82%
Fed hold assumed
12-Month Forecast
10.89%
Range: 10.54% to 11.09%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current CO average personal loan APR of 10.74%, across the terms lenders serving Centennial, Colorado most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $232.43/mo $163.07/mo $128.59/mo $108.06/mo
$10,000 $464.86/mo $326.15/mo $257.19/mo $216.12/mo
$15,000 $697.30/mo $489.22/mo $385.78/mo $324.18/mo
$25,000 $1,162.16/mo $815.37/mo $642.97/mo $540.30/mo
$35,000 $1,627.03/mo $1,141.52/mo $900.15/mo $756.42/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Centennial, Colorado

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the CO personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (CO average) 10.74% $385.78 $3,517
Credit card at 18% APR 18.00% $440.62 $6,150 $2,633
Credit card at 22% APR 22.00% $472.59 $7,684 $4,167
Credit card at 26% APR 26.00% $505.76 $9,276 $5,759

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Centennial, Colorado

1

Prequalify With a Soft Credit Check

Most lenders serving Centennial, Colorado will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Colorado data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Centennial, Colorado Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$66,396
Median Individual Earnings
National avg: $47,340
4.6%
Unemployment Rate
National avg: 4.8%
3.3%
Poverty Rate
National avg: 11.1%
$386/mo
Payment on a $15K / 48-mo Loan
At the CO average 10.74% APR

A $386 monthly loan payment is roughly 7.0% of the median individual income in Centennial, Colorado. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Centennial, Colorado.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current CO average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Centennial, 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 Centennial, 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 Centennial, 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.

Personal Loans for Bad Credit in Centennial, Colorado

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit

Frequently Asked Questions

What credit score do I need for a personal loan in Colorado?

Most lenders in Centennial, Colorado require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Colorado often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Centennial, Colorado require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Colorado?

Yes. Debt consolidation is one of the most common uses of personal loans in Centennial, Colorado. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Centennial, Colorado?

Credit unions in Centennial, Colorado often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Centennial, Colorado on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Centennial, Colorado carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Centennial, Colorado?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Centennial, Colorado?

  • Navy Federal Credit Union: 8.74% (Personal Loan)
  • Westerra Credit Union: 9.99% (Personal Loan)
  • Columbine Federal Credit Union: 10.99% (Personal Loan)
  • Metrum Community Credit Union: 10.99% (UNSECURED/PERSONAL Loan)
  • Meritrust Credit Union: 12.15% (Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Centennial, Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026.

Centennial, Colorado Rates & Resources