Lakewood, Colorado Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan rates in Lakewood, Colorado range from 6.95% to 12.00% APR across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Current personal loan options available to borrowers in Lakewood, Colorado include: Credit Union Of DenverCredit Union Of Denver9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226A+5.0 ★Texas Ratio: 2.33% offering Personal Loan at 6.95% APR, Westerra Credit UnionWesterra Credit Union375 Union Blvd, Lakewood, CO, 80228A+5.0 ★Texas Ratio: 3.20% offering Personal Loan at 9.99% APR, Bellco Credit UnionBellco Credit Union570 S Wadsworth Blvd, Lakewood, CO, 80226A5.0 ★Texas Ratio: 9.71% offering Personal Loan - Fixed at 10.99% APR, Foothills Credit UnionFoothills Credit Union7990 W Alameda Ave, Lakewood, CO, 80226A-4.9 ★Texas Ratio: 15.96% offering Signature Loan at 12.00% APR, and Clean Energy Federal Credit UnionClean Energy Federal Credit UnionA+5.0 ★Texas Ratio: 5.91% offering Everyday Solar System Loan at 7.50% APR. Personal loan rates as of September 28, 2026 according to verified data from MonitorBankRates.
Lakewood has 4 local institutions in our database, with personal loan rates as low as 6.95% APR from Credit Union Of Denver at 9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226. 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 Lakewood, Colorado.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lakewood, 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: September 28, 2026
Lakewood Personal Loan Rates
As low as
As Low As
Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
No additional details available.
Rates shown include a 2.00% discount for automatic loan payments.; Rates shown are the lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.; Loan proceeds must be used for new equipment.; Residences in certain counties and states may be eligible for a 0.50% rate discount, learn more.; Refinance loans incur an additional 0.50% added to the rates shown above.; APR = Annual Percentage Rate. All rates and programs are subject to change at any time.; See "loan fees" tab for associated fees.; As Low As
Rates as low as 7.50% APR. Flexible terms designed to match your solar payback period.
Published APR range: 7.74% - 18.74%.; Model Year: 2016 - 2020
As low as
Rates shown include a 2.00% discount for automatic loan payments.; Loans must be used for qualifying clean energy products and services - see list here.; 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; 2.5% APR above share or certificate rate
No additional details available.
As Low As
Rates shown include a 2.00% discount for automatic loan payments.; Loans must be used for qualifying clean energy products and services - see list here.; 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; 2.5% APR above share or certificate rate
Rates as low as 8.75% A.P.R.
Rates shown include a 2.00% discount for automatic loan payments.; Loans must be used for qualifying clean energy products and services - see list here.; 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; 2.5% APR above share or certificate rate
Published APR range: 9.24% - 19.24%.; Model Year: 2016 - 2020
Rates shown include a 2.00% discount for automatic loan payments.; Loans must be used for qualifying clean energy products and services - see list here.; 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; 2.5% APR above share or certificate rate
Loan amount: $3,000 & Up
No additional details available.
Rates As Low As
Published APR range: 9.74% - 19.99%.; Model Year: 2016 - 2020
This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Minimum opening balance of $100.00 required to open.
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
No additional details available.
No additional details available.
Published APR range: 9.99% - 20.24%.
Published APR range: 9.99 - 18.00%. ($5,000+)***
As low as
As Low As
As low as; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details available.
Published APR range: 10.24% - 20.74%.; Model Year: 2016 - 2020
Term: $5,000 maximum up to 36 month term; As Low As; *
No additional details available.
No additional details available.
Published APR range: 10.49% - 20.74%.
Term: 60 months from the last draw; As low as
As low as
No additional details available.
APR = Annual Percentage Rate. 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.
The rate will vary based on personal credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. The applicable rate will be provided upon completion of a loan application.
No additional details available.
No additional details available.
No additional details available.
Published APR range: 10.99% - 13.99%.
As low as
No additional details available.
As low as
No additional details available.
No additional details available.
APR* up to
- Sep 22, 202611.37%▲ from 8.74%
- Sep 14, 20268.74%first recorded
Published APR range: 11.49% - 14.99%.
No additional details available.
Credit Tier: B; Max Loan Amount: $5,000
No additional details available.
As Low As; Max. Amount: $10,000
As low as
No additional details available.
No additional details available.
Published APR range: 12.99 - 18.00%. (Up to $4,999.99)**
Published APR range: 12.99% - 17.99%.
As low as
Condition: $8,000 for 60 months. $13,000 with 700 or more credit score up to 72 months
No additional details available.
No additional details available.
As Low As
Loan amount: $1,000 to $2,999
No additional details available.
Credit Tier: C; Max Loan Amount: $3,000
Credit Tier: D; Max Loan Amount: $2,500
Lakewood Personal Loan Rates
As low as
As Low As
Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
Published APR range: 7.74% - 18.74%.; Model Year: 2016 - 2020
As Low As
Published APR range: 9.24% - 19.24%.; Model Year: 2016 - 2020
No additional details available.
Published APR range: 9.74% - 19.99%.; Model Year: 2016 - 2020
This APR will vary with the market based on the Prime Rate. The APR is subject to change quarterly on the first day of the billing cycle to reflect any change to the prime rate as of the 15th day of the previous month. Your rate may be different based on individual credit worthiness and our underwriting standards. Rates are subject to change. Minimum opening balance of $100.00 required to open.
No additional details available.
Published APR range: 9.99 - 18.00%. ($5,000+)***
Published APR range: 10.24% - 20.74%.; Model Year: 2016 - 2020
Term: $5,000 maximum up to 36 month term; As Low As; *
APR = Annual Percentage Rate. 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.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
Credit Tier: B; Max Loan Amount: $5,000
As Low As; Max. Amount: $10,000
Published APR range: 12.99 - 18.00%. (Up to $4,999.99)**
No additional details available.
Credit Tier: C; Max Loan Amount: $3,000
Credit Tier: D; Max Loan Amount: $2,500
Lakewood Debt Consolidation Loan Rates
Lakewood Signature Loan Rates
No additional details available.
As low as
Rates as low as 8.75% A.P.R.
Rates As Low As
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
No additional details available.
No additional details available.
Published APR range: 9.99% - 20.24%.
As low as
As low as; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details available.
No additional details available.
No additional details available.
Published APR range: 10.49% - 20.74%.
Term: 60 months from the last draw; As low as
As low as
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
As low as
Condition: $8,000 for 60 months. $13,000 with 700 or more credit score up to 72 months
No additional details available.
As Low As
No additional details available.
Lakewood, CO Personal Loan Rate Trends
Compare local Lakewood, 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 fell 0.031 points over the past 7 days to 10.802% APR.
Colorado signature loan rates fell 0.041 points over the past 7 days to 12.368% APR.
Lakewood, 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.
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.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current CO average personal loan APR of 10.80%, across the terms lenders serving Lakewood, 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 | $232.58/mo | $163.22/mo | $128.75/mo | $108.22/mo |
| $10,000 | $465.16/mo | $326.45/mo | $257.49/mo | $216.44/mo |
| $15,000 | $697.74/mo | $489.67/mo | $386.24/mo | $324.65/mo |
| $25,000 | $1,162.89/mo | $816.12/mo | $643.73/mo | $541.09/mo |
| $35,000 | $1,628.05/mo | $1,142.57/mo | $901.22/mo | $757.52/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.
Consolidating Credit Card Debt in Lakewood, 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) | 10.80% | $386.24 | $3,539 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,611 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,145 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,737 |
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 Lakewood, Colorado
Prequalify With a Soft Credit Check
Most lenders serving Lakewood, 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.
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.
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.
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.
- Buying a vehicle? A secured Lakewood, Colorado auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Lakewood, Colorado high-yield savings account costs nothing and earns interest instead of paying it
Lakewood, Colorado Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $386 monthly loan payment is roughly 9.0% of the median individual income in Lakewood, 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 Lakewood, 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 1–3 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 3–5% | ● 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.
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 Lakewood, 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 Lakewood, 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 Lakewood, Colorado. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CO.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Colorado?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Colorado?
Are credit unions or banks better for personal loans in Lakewood, Colorado?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Lakewood, Colorado?
- Credit Union Of Denver: 6.95% (Personal Loan)
- Westerra Credit Union: 9.99% (Personal Loan)
- Bellco Credit Union: 10.99% (Personal Loan - Fixed)
- Foothills Credit Union: 12.00% (Signature Loan)
- Clean Energy Federal Credit Union: 7.50% (Everyday Solar System Loan)
Lakewood, Colorado Rates & Resources
Personal Loan Calculators
