Englewood, Colorado personal loan rates range from 4.20% to 18.75% APR, verified by MonitorBankRates as of October 23, 2026. Current personal loan options available to borrowers in Englewood, Colorado include: Clean Energy Federal Credit UnionClean Energy Federal Credit Union116 Inverness Dr E, Englewood, CO, 80112A+5.0 ★Texas Ratio: 5.91%Rate verified Oct 19, 2026 offering Solar PV System Loans - Everyday Solar System Loan at 7.50% APR, Arapahoe Credit UnionArapahoe Credit Union303 E Hampden Ave, Englewood, CO, 80113 2621A5.0 ★Texas Ratio: 9.29%Rate verified Oct 19, 2026 offering Unsecured Personal Loan at 13.99% APR, First National Bank of OmahaFirst National Bank of OmahaA+5.0 ★Texas Ratio: 4.82%Rate verified Oct 22, 2026 offering Unsecured Rate at 4.20% APR, Sterling Federal Credit UnionSterling Federal Credit UnionA+5.0 ★Texas Ratio: 0.01%Rate verified Oct 23, 2026 offering Signature Loan at 8.00% APR, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit UnionA+5.0 ★Texas Ratio: 4.45%Rate verified Oct 23, 2026 offering Unsecured Personal Loans at 8.49% APR. Personal loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Englewood has 2 local institutions in our database, with personal loan rates as low as 7.50% APR from Clean Energy Federal Credit Union at 116 Inverness Dr E, Englewood, 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 Englewood, Colorado.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Englewood, 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 23, 2026
As Low As; Min/Max Loan Amount: $3,000 to $150,000; Rates include 2.00% automatic payment discount; Residences in certain counties and states may be eligible for an additional 0.50% discount; Refinance loans add 0.50% to rates shown
As Low As; Loan amount: $1,000 to $50,000
As Low As; Loan amount: $1,000 to $50,000
As Low As; Loan amount: $1,000 to $50,000
As Low As; Loan amount: $1,000 to $50,000
As Low As
Fed Funds Borrowed; As of September 16, 2026 FOMC Meeting
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
As Low As; APR as low as 8.49%; Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 8.49%; Age 18 or over; Credit Union membership required
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Signature loan (personal loan); Monthly loan specials may vary
As Low As; Terms up to 84 months; Fixed rate
As Low As; Plazos de hasta 84 meses; Tasa fija
As Low As
As Low As
As Low As; Your credit score determines rate, maximum loan amount and term; Membership required with minimum share/savings balance of $25.00
As Low As
As Low As; Personal Loans
As Low As; APR* as low as 9.99%; Rate based on credit worthiness and term of loan
As Low As; Unsecured Loans; best APR for well qualified borrowers; effective October 12, 2026
APR range: 9.99% - 20.24%; Rate may vary based on credit history and other qualifications; APR is based upon credit history
$500-$10,000; fixed payments; no collateral required; rate based on credit
As Low As; Loan Rate* as low as 9.99% APR; Rates may vary based on your credit history
Maximum Loan Limit: $6,000
As Low As; APR* as low as 9.99%; Other Member Loans
$5,000+; Range: 9.99 - 18.00%; As Low As
As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval
As Low As; Loan Amount: Up to $10,000; Applicant must have maintained an active saving, checking, or loan account with Polam for at least 12 consecutive months, with the account in good standing
As Low As
Best Rate APR; Rate Type: Fixed
As Low As; APR up to 18.00%; APR based on qualified credit and enrollment in auto pay
As Low As; $5,000 maximum
As Low As; Personal Loans
As Low As; Other Loans; Rates effective 8/29/2023; Rates are for qualified borrowers
APR range: 10.49% - 20.74%; Rate may vary based on credit history and other qualifications; APR is based upon credit history
APR range: 10.49% - 20.99%
As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Personal Loans
As Low As; Paper: A+ Rate; Borrow up to $20,000; Membership required
As Low As; Lowest rate shown for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
As Low As; Best Rate for highest credit tier; Premier Loyalty reward discounts may apply
As Low As; Personal Loans
No additional details available.
As Low As
APR range: 10.99% - 13.99%; Rate may vary based on credit history and other qualifications.
Maximum Loan Limit: $8,000; Signature or W/ Cosigner
Up to 36 months
Minimum payment of $25
As Low As; Fixed Annual Percentage Rate; Effective 10-06-2026
As Low As; Loan amounts up to $50,000; minimum loan amount $1,000
With Approved Credit.
As Low As; Personal Loans
As Low As; Paper: A Rate; Borrow up to $20,000; Membership required
No additional details available.
APR range: 11.49% - 14.99%; Rate may vary based on credit history and other qualifications.
As Low As; Loan amount example: $5,000; Payment example: $165.69; APR = Annual Percentage Rate; rates effective as of 10/01/2026 dependent on term and credit history
As Low As; Maximum loan amount of $50,000; Payments fully amortized over term; No collateral required; Fixed interest rate; $100 origination fee
Effective 05/08/2025; Credit Tier: B; Max Loan Amount: $5,000; Unsecured loans maximum term 60 months; Minimum payment $50.00
Rates effective as of: October 23, 2026
As Low As; Max. Amount: $10,000
APR range: 11.99% - 20.99%
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
As Low As; Lowest Rate 11.99%; no collateral attached; rates as of December 1, 2025
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; Personal Loans
APR range: 12.49% - 20.99%
As Low As; Paper: B Rate; Borrow up to $20,000; Membership required
Up to $4,999.99; Range: 12.99 - 18.00%; As Low As
APR range: 12.99% - 20.99%
APR range: 12.99% - 17.99%
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
Loan amount: $8,000; Effective January 12, 2026
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
APR range: 13.49% - 20.99%
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; Paper: C Rate; Borrow up to $20,000; Membership required
As Low As; APR* As Low As
Linea de credito revolvente con tasa variable (prime + 8%)
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
Credit Tier: C; Max Loan Amount: $3,000; Unsecured loans maximum term 60 months; Minimum payment $50.00
As Low As; Paper: D Rate; Borrow up to $20,000; Membership required
Credit Tier: D; Max Loan Amount: $2,500; Unsecured loans maximum term 60 months; Minimum payment $50.00
As Low As
As Low As; APR as low as 8.49%; Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%; Lowest rate without discounts is 8.49%; Age 18 or over; Credit Union membership required
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Terms up to 84 months; Fixed rate
As Low As; Plazos de hasta 84 meses; Tasa fija
As Low As
As Low As
As Low As
As Low As; APR* as low as 9.99%; Other Member Loans
$5,000+; Range: 9.99 - 18.00%; As Low As
As Low As; Loan Amount: Up to $10,000; Applicant must have maintained an active saving, checking, or loan account with Polam for at least 12 consecutive months, with the account in good standing
As Low As; APR up to 18.00%; APR based on qualified credit and enrollment in auto pay
As Low As; $5,000 maximum
APR range: 10.49% - 20.99%
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR
As Low As; Lowest rate shown for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
No additional details available.
As Low As
Up to 36 months
Minimum payment of $25
As Low As; Fixed Annual Percentage Rate; Effective 10-06-2026
As Low As; Loan amounts up to $50,000; minimum loan amount $1,000
No additional details available.
As Low As; Loan amount example: $5,000; Payment example: $165.69; APR = Annual Percentage Rate; rates effective as of 10/01/2026 dependent on term and credit history
As Low As; Maximum loan amount of $50,000; Payments fully amortized over term; No collateral required; Fixed interest rate; $100 origination fee
Effective 05/08/2025; Credit Tier: B; Max Loan Amount: $5,000; Unsecured loans maximum term 60 months; Minimum payment $50.00
Rates effective as of: October 23, 2026
As Low As; Max. Amount: $10,000
APR range: 11.99% - 20.99%
APR range: 12.49% - 20.99%
Up to $4,999.99; Range: 12.99 - 18.00%; As Low As
APR range: 12.99% - 20.99%
As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR
APR range: 13.49% - 20.99%
Linea de credito revolvente con tasa variable (prime + 8%)
Credit Tier: C; Max Loan Amount: $3,000; Unsecured loans maximum term 60 months; Minimum payment $50.00
Credit Tier: D; Max Loan Amount: $2,500; Unsecured loans maximum term 60 months; Minimum payment $50.00
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
As Low As; Signature loan (personal loan); Monthly loan specials may vary
As Low As; Your credit score determines rate, maximum loan amount and term; Membership required with minimum share/savings balance of $25.00
As Low As
As Low As; Personal Loans
As Low As; APR* as low as 9.99%; Rate based on credit worthiness and term of loan
As Low As; Unsecured Loans; best APR for well qualified borrowers; effective October 12, 2026
APR range: 9.99% - 20.24%; Rate may vary based on credit history and other qualifications; APR is based upon credit history
$500-$10,000; fixed payments; no collateral required; rate based on credit
Maximum Loan Limit: $6,000
As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval
As Low As
Best Rate APR; Rate Type: Fixed
As Low As; Personal Loans
As Low As; Other Loans; Rates effective 8/29/2023; Rates are for qualified borrowers
APR range: 10.49% - 20.74%; Rate may vary based on credit history and other qualifications; APR is based upon credit history
As Low As; Adjustable rate loan, subject to change; not everyone will qualify for lowest rate; all loans subject to credit approval
As Low As; Personal Loans
As Low As; Personal Loans
Maximum Loan Limit: $8,000; Signature or W/ Cosigner
With Approved Credit.
As Low As; Personal Loans
As Low As; Loan amount example: $5,000; Payment example: $165.69; APR = Annual Percentage Rate; rates effective as of 10/01/2026 dependent on term and credit history
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
As Low As; Lowest Rate 11.99%; no collateral attached; rates as of December 1, 2025
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; Personal Loans
As Low As; Rate determined by underwriting guidelines including member's credit bureau score and term of the loan
Loan amount: $8,000; Effective January 12, 2026
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
As Low As; APR* As Low As
As Low As; APR listed is the lowest possible APR for qualified borrowers; credit score of 750 or above
Compare local Englewood, CO personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Colorado personal loan rates rose 0.145 points over the past 7 days to 10.891% APR.
Colorado signature loan rates rose 0.156 points over the past 7 days to 10.662% APR.
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.
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.
Estimated monthly payments at the current CO average personal loan APR of 10.89%, across the terms lenders serving Englewood, 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 | $232.79/mo | $163.44/mo | $128.96/mo | $108.44/mo |
| $10,000 | $465.57/mo | $326.87/mo | $257.93/mo | $216.88/mo |
| $15,000 | $698.36/mo | $490.31/mo | $386.89/mo | $325.32/mo |
| $25,000 | $1,163.93/mo | $817.18/mo | $644.81/mo | $542.20/mo |
| $35,000 | $1,629.50/mo | $1,144.05/mo | $902.74/mo | $759.08/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.
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) | 10.89% | $386.89 | $3,571 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,579 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,114 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,706 |
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.
Most lenders serving Englewood, 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.
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.
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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $387 monthly loan payment is roughly 8.6% of the median individual income in Englewood, 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.
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 Englewood, 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.
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.
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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Englewood, 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 Englewood, 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 Englewood, 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.
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.
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.
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.
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.
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
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.
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.