No, MaybeLoan is not a lender. We connect borrowers with lenders – the actual loan decision is made by the lender. There are no fees and no pressure.

Personal Loans in Colorado - Compare Lenders 2026

Q: Do lenders in Colorado accept bad credit?

A low credit score does not automatically disqualify you. Online lenders often consider your full financial picture – income, employment, and debt-to-income ratio – not just your score. MaybeLoan works with lenders who serve a range of credit profiles in Colorado.

Q: How quickly are funds deposited?

From submitting your form to getting funded can be as fast as 24 hours. Once approved, funds are typically deposited to your bank account within 1-3 business days.

Q: Are there restrictions on how I spend the money?

Personal loans in Colorado can be used for virtually any legal purpose. Common uses include debt consolidation, home improvement, car repairs, medical expenses, weddings, and moving costs.

Personal Loans in Colorado - Online or Near Me

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How Personal Loans Work in Colorado

Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Oct 2026

Written by Ryan Abramson

Last Updated: Oct 2026

Here's what fees you can expect when obtaining online personal loans in Colorado:

Personal loan lending status in Colorado:	Legal
Maximum loan amount in Colorado:	Principal up to $75,000 for supervised loans (C.R.S. 5-2)
APR cap:	Supervised loans: the greater of 36% on the first $1,000, 21% from $1,000 to $3,000 and 15% above $3,000, or a flat 21% (C.R.S. 5-2-201)
Minimum loan term:	Not specified
Maximum loan term:	Not specified
Prepayment penalty:	Prepayment is allowed without penalty (C.R.S. 5-2-210)
State Regulator:	Colorado Attorney General, Consumer Credit Unit (UCCC Administrator)

Table Data Updated: October 2026.

Above you can see what fees you can expect when obtaining online personal loans in Colorado.

Personal Loan Locations in Colorado

Search 56 personal loan locations in Colorado by city or ZIP, or use your location to see the nearest first.

56 locations in 5 cities

ACE Cash Express

4.9★★★★☆(1339 reviews)

1155 S Havana St #12, Aurora, CO 80012, USA

(303) 873-6498

ACE Cash Express

4.9★★★★☆(721 reviews)

3925 N Academy Blvd, Colorado Springs, CO 80917, USA

(719) 596-1166

ACE Cash Express

4.8★★★★☆(606 reviews)

10390 E Colfax Ave, Aurora, CO 80010, USA

(303) 340-2658

ACE Cash Express

4.9★★★★☆(549 reviews)

3375 Colorado Blvd, Denver, CO 80205, USA

(303) 355-9379

ACE Cash Express

4.8★★★★☆(448 reviews)

15037 E Colfax Ave Unit Q, Aurora, CO 80011, USA

(303) 367-9442

Moneytree

4.7★★★★☆(431 reviews)

10305 E Colfax Ave, Aurora, CO 80010, USA

(303) 360-6669

ACE Cash Express

4.9★★★★☆(418 reviews)

2064 S Academy Blvd, Colorado Springs, CO 80916, USA

(719) 597-6447

ACE Cash Express

4.7★★★★☆(373 reviews)

8590 W Colfax Ave, Lakewood, CO 80215, USA

(303) 232-3073

ACE Cash Express

4.8★★★★☆(363 reviews)

2061 S Federal Blvd, Denver, CO 80219, USA

(303) 935-8210

ACE Cash Express

4.8★★★★☆(355 reviews)

320 North Broadway J, Denver, CO 80203, USA

(303) 733-5966

Also in Colorado: Payday Loans in Colorado Personal Loans in Colorado

Personal loans in Colorado are unsecured installment loans available from a range of regulated financial institutions. Loan amounts vary widely and pay back over 1 to 7 years with predictable payments.

Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.

Why Compare Personal Loan Lenders in Colorado

Compare multiple lenders at once – view real offers side by side with one quick form
No hard credit pull to compare – comparing rates through MaybeLoan will not lower your credit score
See the full cost upfront – know exactly what you are paying before you commit
From good to fair credit – we work with lenders for a range of credit scores
No fees from MaybeLoan – comparing is always free

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How to Get a Personal Loan in Colorado

The process is fully online – no branch visits required.

Step 1: Fill out the quick online form – takes about 5 minutes
Step 2: See your offers – compare real rate offers instantly
Step 3: Compare and choose – look at APR, monthly payments, and loan terms
Step 4: Receive your money – once approved, funds are deposited directly to your bank account

Personal Loan Requirements in Colorado

To qualify for a personal loan in Colorado, most lenders require:

Must be at least 18
Legal residency in the United States
A U.S. bank account for fund deposits
Steady employment, self-employment, or benefits
SSN required for identity and credit verification

Credit score requirements vary by lender. Prime lenders typically look for 660+. MaybeLoan works with lenders across the credit spectrum.

Personal Loan Rates in Colorado

Personal loan APRs in Colorado typically range from about 6% to 36%. Borrowers with excellent credit (720+) often qualify for rates under 10%.

Always compare at least 2-3 lenders before deciding.

Find My Rate in Colorado! ➤

FAQ - Personal Loans in Colorado

Do lenders in Colorado accept bad credit?

How quickly are funds deposited?

Are there restrictions on how I spend the money?

What is MaybeLoan?

By Ryan Abramson Last Updated: October 2026

Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.

Edited by Alex Khodzinskiy Personal Finance Editor & Fintech Strategist

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