Best Personal Loan Rates in Merino, Colorado (CO) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Merino, Colorado include: Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering Credit Builder Loan at 5.00% APR, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering 4-H Loans at 5.75% APR, Denver Fire Department Federal Credit UnionDenver Fire Department Federal Credit UnionA+5.0 ★Texas Ratio: 0.21% offering Investment Property Loans at 6.00% APR, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit UnionA5.0 ★Texas Ratio: 8.91% offering Personal Signature Loan - Closed at 6.74% APR, and Fellowship Credit UnionFellowship Credit UnionA5.0 ★Texas Ratio: 10.92% offering Agriculture Loan (Operating) at 6.99% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Merino borrowers have access to 33 lenders serving the Colorado area, with personal loan rates as low as 5.00% APR from Electrical Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Merino, Colorado.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Merino, 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: May 12, 2026
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Up To $4000.00
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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As Low As; Regular Signature Loan
As Low As; Rates are rounded up to the nearest 0.25%; 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.
Celebrate 89 Years with up to $8,900 at 8.90% APR*
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As Low As; Rates are rounded up to the nearest 0.25%; 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.
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As Low As; Rates are rounded up to the nearest 0.25%; 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.
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$5,000+
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As Low As; Your credit score will determine your rate, maximum loan amount and term.
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As Low As; Rates are rounded up to the nearest 0.25%; 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.
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Up to 60 months. Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
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Up to $4,999.99
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$1500
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$5,000+
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Up to 60 months. Minimum payment of $25. Payment example for 60-month loan @ 10.99% APR: 60 payments of $10.87 per $500 borrowed.
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Up to $4,999.99
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Celebrate 89 Years with up to $8,900 at 8.90% APR*
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Merino, CO Personal Loan Rate Trends
Compare local Merino, 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 0.190 points over the past 7 days to 11.399% APR.
Colorado signature loan rates fell 0.238 points over the past 7 days to 10.123% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Merino, 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 Merino, 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 Merino, 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 Merino, Colorado?
What are the best personal loan rates in Merino, Colorado?
- Electrical Federal Credit Union: 5.00% (Credit Builder Loan)
- Holyoke Community Federal Credit Union: 5.75% (4-H Loans)
- Denver Fire Department Federal Credit Union: 6.00% (Investment Property Loans)
- Northrop Grumman Federal Credit Union: 6.74% (Personal Signature Loan - Closed)
- Fellowship Credit Union: 6.99% (Agriculture Loan (Operating))
Personal Loan Calculators
