Best Good and Bad Credit Loans in Colorado, Payday Laws of September 2026

ElitePersonalFinance • Loans By State •

Last Update: September 1, 2026

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Colorado’s Supervised Lenders Statute caps APRs on all installment loans administered throughout the state:

For unpaid balances ≤ of $1,000, APRs are capped at 36%.
For unpaid balances > $1,000 but ≤ $3,000, APRs are capped at 21%.
For unpaid balances > $3,000, APRs are capped at 15%; the lender also has the option to charge 21% on the entire unpaid balance.

Allowable monthly handling charges include:

$12.50 for loans $100 to $300.
$15 for loans $301 to $500.
$17.50 for loans $501 to $750.
$20 for loans $751 to $1,000.

As well, non-sufficient funds fees are capped at $25. And the lender can only charge a $15 late payment fee if the borrower is more than 10 days delinquent.

Best Bad Credit Loans in Colorado of September 2026

ZippyLoan

Apply Now

Amount:

$100 - $15,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 72 Months

Licensed in Colorado:

Yes

Get started

Upstart

Apply Now

Amount:

$1,000 - $50,000

Min. Credit Score:

300

APR:

5.6% - 35.99%

Approval:

5 Minutes

Terms:

3 - 5 Years

Licensed in Colorado:

Yes

Get started

LifeLoans

Apply Now

Amount:

$100 - $40,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Colorado:

Yes

Get started

VivaLoan

Apply Now

Amount:

$100 - $15,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Colorado:

Yes

Get started

NextDayPersonalLoan

Apply Now

Amount:

$100 - $40,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Colorado:

Yes

Get started

FundsJoy

Apply Now

Amount:

$200 - $5,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Colorado:

Yes

Get started

SuperMoney

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

12 - 120 Months

Licensed in Colorado:

Yes

Get started

PersonalLoans

Apply Now

Amount:

$1,000 - $35,000

Min. Credit Score:

580

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

90 Days - 72 Months

Licensed in Colorado:

Yes

Get started

If you have a problem with getting a loan, please read our complete guide on bad credit loans.

Best Personal Loans for Good Credit in Colorado of September 2026

SuperMoney

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

4.99 - 35.99%

Approval:

1 Day

Terms:

12 - 120 months

Licensed in Colorado:

Yes

Get started

Prosper

Apply Now

Amount:

$2,000 - $40,000

Min. Credit Score:

640

APR:

7.95% - 35.99%

Approval:

1 - 3 Days

Terms:

36 - 60 months

Licensed in Colorado:

Yes

Get started

Credible

Apply Now

Amount:

$1,000 – $100,000

Min. Credit Score:

APR:

4.99 - 35.99%

Approval:

1 Day

Terms:

12 - 120 months

Licensed in Colorado:

Yes

Get started

PersonalLoans

Apply Now

Amount:

$1,000 – $35,000

Min. Credit Score:

580

APR:

5.99% – 35.99%

Approval:

< 1 Day

Terms:

90 Days – 72 Months

Licensed in Colorado:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 – $50,000

Min. Credit Score:

500

APR:

3.99% – 35.99%

Approval:

< 1 Day

Terms:

1 – 5 Years

Licensed in Colorado:

Yes

Get started

Upgrade

Apply Now

Amount:

$1,000 – $50,000

Min. Credit Score:

600

APR:

7.99% - 35.97%

Approval:

< 1 Day

Terms:

3 - 5 Years

Licensed in Colorado:

Yes

Get started

PayOff

Apply Now

Amount:

$5,000 – $35,000

Min. Credit Score:

640

APR:

5.99% – 24.99%

Approval:

1 – 7 Days

Terms:

2 - 5 Years

Licensed in Colorado:

Yes

Get started

Discover

Apply Now

Amount:

$2,500-$35,000

Min. Credit Score:

660

APR:

6.99-24.99%

Approval:

1 Day

Terms:

24 - 84 Months

Licensed in Colorado:

Yes

Get started

Freedomplus

Apply Now

Amount:

$7,500 - $40,000

Min. Credit Score:

680

APR:

6 - 15%

Approval:

1 - 7 Days

Terms:

36 - 84 months

Licensed in Colorado:

Yes

Get started

Payday Loan Laws in Colorado of September 2026

Maximum Loan Amount: $500

Minimum Loan Term: 180 days

Maximum Loan Term: Not Specified

Maximum Fee: $20 or $20 + 7.5%

Maximum APR: 36%

Rollovers: 1 per loan

Loan Limit: You can only have one payday loan at a time

Payday loans are legal in Colorado.

However, the Deferred Deposit Act mandates that lenders cap their APRs at 36%. The maximum loan amount is $500, and the terms have a 180-day minimum. Rollovers are allowed, but only 1 per loan. As well, lenders can refinance payday loans into installment loans.

For loans < $300, the maximum finance charge is $20.
For loans > $300, the lender can charge $20 + 7.5% for each additional $100 borrowed.

Lenders are also permitted to charge a maximum non-sufficient funds fee of $25.

Payday Loan Laws in Colorado by Country of September 2026

ElitePersonalFinance analysis of payday loan laws by countries in the State of Colorado.

City:	Amount Allowed:	APR Allowed:	Status:
City:Denver	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Colorado Springs	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Aurora	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fort Collins	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lakewood	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Thornton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Arvada	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Westminster	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Pueblo	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Centennial	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Boulder	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Highlands Ranch	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Greeley	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Longmont	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Loveland	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Broomfield	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Grand Junction	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Castle Rock	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Commerce City	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Parker	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Littleton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Brighton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Northglenn	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Security-Widefield	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Dakota Ridge	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Englewood	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Ken Caryl	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Pueblo West	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Wheat Ridge	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fountain	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lafayette	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Windsor	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Columbine	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Erie	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Golden	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Louisville	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Clifton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Evans	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Sherrelwood	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Montrose	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Durango	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Cimarron Hills	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Cañon City	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Welby	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Greenwood Village	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fort Carson	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Johnstown	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Black Forest	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lone Tree	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Sterling	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fruita	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Firestone	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Superior	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Steamboat Springs	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Federal Heights	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Cherry Creek	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Frederick	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Berkley	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:The Pinery	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fort Morgan	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Castle Pines	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Edwards	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Glenwood Springs	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Gunbarrel	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Alamosa	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Rifle	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Stonegate	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Roxborough Park	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Woodmoor	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Derby	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Redlands	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Craig	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Delta	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fairmount	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Cortez	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Evergreen	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Wellington	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Applewood	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Trinidad	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fort Lupton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Fruitvale	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lamar	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Twin Lakes CDP	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Woodland Park	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Aspen	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Gypsum	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Monument	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Gleneagle	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:La Junta	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Eagle	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Milliken	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Carbondale	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Air Force Academy	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Orchard Mesa	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Cherry Hills Village	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Avon	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Berthoud	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Gunnison	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Estes Park	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Sheridan	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lochbuie	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Stratmoor	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Salida	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Dove Valley	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Vail	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Shaw Heights	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Brush	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Edgewater	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Manitou Springs	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Dacono	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Glendale city	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Eaton	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Breckenridge	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:New Castle	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Battlement Mesa	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Castle Pines Village	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:West Pleasant View	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Silverthorne	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Mead	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Todd Creek	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Severance	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Monte Vista	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:El Jebel	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Niwot	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Basalt	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Florence	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Rocky Ford	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Genesee	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Burlington	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Ponderosa Park	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Meridian	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Yuma	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Lincoln Park	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Silt	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Frisco	Amount Allowed:$500	APR Allowed:214%	Status:Legal
City:Orchard City	Amount Allowed:$500	APR Allowed:214%	Status:Legal

Car Title Loans in Colorado of September 2026

Car title loans are illegal in Colorado.

Despite that, lenders use auto pawn loans as a means to skirt the law. You have to pass the title to the lender with car title loans when you take out the loan. With auto pawn loans, you leave both your car and title with the lender. The financier then houses your car and releases it once you repay the loan. If you don’t repay the loan, the lender keeps your car.

The two products are extremely similar, but the small technicality has them subject to different regulations.

Best Auto Loans for Bad Credit in Colorado of September 2026

SuperMoney - Compare Loans to Buy Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Colorado:

Yes

Get started

SuperMoney - Compare Loans to Refinance Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Colorado:

Yes

Get started

StandardAutoFinancial

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Colorado:

Yes

Get started

MaxCarLoan

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Colorado:

Yes

Get started

FirstChoiceAutoLoan

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Colorado:

Yes

Get started

MyAutoLoan

Apply Now

Amount:

$8,000 - $100,000

Min. Credit Score:

500

APR:

2.74% - 27%

Licensed in Colorado:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

500

APR:

From 3.09%

Licensed in Colorado:

Yes

Get started

Consumers

Apply Now

Amount:

$250 - $500,000

Min. Credit Score:

640

APR:

2.99% - 21.99%

Licensed in Colorado:

Yes

Get started

OneMainFinancial

Apply Now

Amount:

$1,500 - $20,000

Min. Credit Score:

APR:

18.00% - 35.99%

Licensed in Colorado:

Yes

Get started

CarsDirect

Apply Now

Amount:

$1,000 - $45,000

Min. Credit Score:

APR:

From 0.99%

Licensed in Colorado:

Yes

Get started

Auto Credit Express

Apply Now

Amount:

$1,000 - $35,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Colorado:

Yes

Get started

CapitalOne

Apply Now

Amount:

$7,500 - $50,000

Min. Credit Score:

500

APR:

From 3.39%

Licensed in Colorado:

Yes

Get started

LendingClub

Apply Now

Amount:

$5,000 – $55,000

Min. Credit Score:

510

APR:

3.99% - 24.99%

Licensed in Colorado:

Yes

Get started

Carvana

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

3.90% - 27.90%

Licensed in Colorado:

Yes

Get started

Best Auto Loans for Good Credit in Colorado of September 2026

SuperMoney - Compare Loans to Buy Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Colorado:

Yes

Get started

SuperMoney - Compare Loans to Refinance Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Colorado:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

500

APR:

From 3.09%

Licensed in Colorado:

Yes

Get started

Consumers

Apply Now

Amount:

$250 - $500,000

Min. Credit Score:

640

APR:

2.99% - 21.99%

Licensed in Colorado:

Yes

Get started

Lightstream

Apply Now

Amount:

$5,000-$100,000

Min. Credit Score:

660

APR:

4.99% to 9.19%

Licensed in Colorado:

Yes

Get started

CapitalOne

Apply Now

Amount:

$7,500 - $50,000

Min. Credit Score:

500

APR:

From 3.39%

Licensed in Colorado:

Yes

Get started

MyAutoLoan

Apply Now

Amount:

$8,000 - $100,000

Min. Credit Score:

500

APR:

2.74% - 27%

Licensed in Colorado:

Yes

Get started

Carvana

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

3.90% - 27.90%

Licensed in Colorado:

Yes

Get started

Usbank

Apply Now

Amount:

$3,000 - $100,000

Min. Credit Score:

650

APR:

From 3.12%

Licensed in Colorado:

Yes

Get started

Bank Of America

Apply Now

Amount:

$5,000 - $100,000

Min. Credit Score:

640

APR:

From 3.54%

Licensed in Colorado:

Yes

Get started

LendingClub

Apply Now

Amount:

$5,000 – $55,000

Min. Credit Score:

510

APR:

3.99% - 24.99%

Licensed in Colorado:

Yes

Get started

Clearlane

Apply Now

Amount:

$5,000 - $100,000

Min. Credit Score:

600

APR:

3.54% - 10.24%

Licensed in Colorado:

Yes

Get started

OneMainFinancial

Apply Now

Amount:

$1,500 - $20,000

Min. Credit Score:

APR:

18.00% - 35.99%

Licensed in Colorado:

Yes

Get started

Credit Unions in Colorado of September 2026

Name:	APR:	Amount:
Name:Ent Credit Union	APR:7.49% – 17.9%	Amount:Varies
Name:Partner Colorado Credit Union	APR:12% – 18%	Amount:$1,200 – $25,000+

Ent Credit Union

At Ent Credit Union, you can opt for a personal loan or a personal line of credit. No collateral is required, and personal loans offer repayment terms that range from 48 to 72 months. With its credit line, minimum monthly payments can be as low as 2% of the outstanding balance.

While loan amounts vary by the borrower, Ent’s APRs look like this:

Revolving Personal Line Of Credit: 9.9% to 17.9%.
48-Month Personal Loan: 7.49% to 16.15%.
60-Month Personal Loan: 7.49% to 16.85%.
72-Month Personal Loan: 8.39% to 17.3%.

Ent Credit Union operates more than 35 branches in Colorado, with locations in Colorado Springs, Castle Rock, Woodland Park, Pueblo West, and many others.

Partner Colorado Credit Union

With three options to choose from, Partner Colorado Credit Union offers personal loans that can be used for almost any situation:

Everything Loans are unsecured installment loans of $1,200. You repay the proceeds over 12 months, and APRs range from 12% to 18%. As the name suggests, Everything Loans can be used for almost any short-term expense.
Signature Loans are also unsecured, but you can borrow upwards of $25,000 and repay the funds in up to 36 months. The APRs ranges from 12.25% to 18%. Signature loans are best used for large expenses or debt consolidation.
Savings Secured Loans allow you to use your savings, CD, or Money Market balance as collateral for the loan. Because loans are secured, there is no limit to the amount you can borrow. Closed-End Loans have a variable APR of 3% + the yield on your savings instrument. Terms are 12 months only, but you can refinance at the end of the period. The Open-End option is revolving, similar to a line of credit. The APR is also variable at 1% + the yield on your savings instrument.

Partner Colorado operates 6 branches across Colorado, with locations in Arvada, Aurora, Littleton, Denver, and others.

All Licensed Credit Unions in Colorado of September 2026

Name:	City:	Size (Millions):	Members:
Name:ENT FEDERAL CREDIT UNION	City:Salida	Size (Millions):$3,417.89	Members:209927
Name:BELLCO CREDIT UNION	City:Greenwood Village	Size (Millions):$2,069.71	Members:198302
Name:PUBLIC SERVICE EMPLOYEES CREDIT UNION	City:Denver	Size (Millions):$1,114.81	Members:130765
Name:ELEVATIONS CREDIT UNION	City:Boulder	Size (Millions):$1,146.51	Members:95167
Name:CREDIT UNION OF COLORADO	City:Denver	Size (Millions):$988.60	Members:90783
Name:WESTERRA CREDIT UNION	City:Denver	Size (Millions):$1,192.01	Members:81438
Name:CREDIT UNION OF DENVER	City:Lakewood	Size (Millions):$536.23	Members:50287
Name:AIR ACADEMY FEDERAL CREDIT UNION	City:Salida	Size (Millions):$423.71	Members:42761
Name:PREMIER MEMBERS FEDERAL CREDIT UNION	City:Boulder	Size (Millions):$402.02	Members:35812
Name:SOOPER CREDIT UNION	City:Arvada	Size (Millions):$246.29	Members:32014
Name:DENVER COMMUNITY CREDIT UNION	City:Denver	Size (Millions):$222.90	Members:29766
Name:PARTNER COLORADO CREDIT UNION	City:Arvada	Size (Millions):$221.61	Members:23767
Name:MINNEQUA WORKS CREDIT UNION	City:Pueblo	Size (Millions):$159.28	Members:21938
Name:BOULDER VALLEY CREDIT UNION	City:Boulder	Size (Millions):$241.66	Members:19020
Name:AVENTA CREDIT UNION	City:Colorado Springs	Size (Millions):$134.99	Members:18102
Name:RED ROCKS CREDIT UNION	City:Highlands Ranch	Size (Millions):$210.45	Members:16337
Name:SPACE AGE FEDERAL CREDIT UNION	City:Aurora	Size (Millions):$100.30	Members:15338
Name:WESTERN ROCKIES FEDERAL CREDIT UNION	City:Grand Junction	Size (Millions):$103.56	Members:14676
Name:COORS CREDIT UNION	City:Golden	Size (Millions):$138.67	Members:14121
Name:FITZSIMONS FEDERAL CREDIT UNION	City:Aurora	Size (Millions):$157.67	Members:13801
Name:COMMUNITY FINANCIAL CREDIT UNION	City:Broomfield	Size (Millions):$126.07	Members:11712
Name:POWER CREDIT UNION	City:Pueblo	Size (Millions):$79.14	Members:11395
Name:SUNWEST EDUCATIONAL CREDIT UNION	City:Pueblo	Size (Millions):$98.09	Members:10761
Name:ROCKY MOUNTAIN LAW ENFORCEMENT FEDERAL CREDIT UNION	City:Denver	Size (Millions):$150.16	Members:10261
Name:CREDIT UNION OF THE ROCKIES	City:Golden	Size (Millions):$80.03	Members:9847
Name:ARAPAHOE CREDIT UNION	City:Centennial	Size (Millions):$85.95	Members:9632
Name:PIKES PEAK CREDIT UNION	City:Colorado Springs	Size (Millions):$66.42	Members:8754
Name:STERLING FEDERAL CREDIT UNION	City:Sterling	Size (Millions):$105.64	Members:8736
Name:COLORADO CREDIT UNION	City:Littleton	Size (Millions):$101.77	Members:8573
Name:COLORAMO FEDERAL CREDIT UNION	City:Grand Junction	Size (Millions):$66.37	Members:8058
Name:HORIZONS NORTH CREDIT UNION	City:Northglenn	Size (Millions):$70.20	Members:8034
Name:MEMBERS FEDERAL CREDIT UNION	City:Aurora	Size (Millions):$75.51	Members:7913
Name:AURORA SCHOOLS FEDERAL CREDIT UNION	City:Aurora	Size (Millions):$93.32	Members:7373
Name:BOULDER MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION	City:Boulder	Size (Millions):$56.27	Members:6896
Name:WELD SCHOOLS CREDIT UNION	City:Greeley	Size (Millions):$54.01	Members:6692
Name:WHITE CROWN FEDERAL CREDIT UNION	City:Denver	Size (Millions):$53.17	Members:6631
Name:FOOTHILLS CREDIT UNION	City:Lakewood	Size (Millions):$56.31	Members:6615
Name:NUVISTA FEDERAL CREDIT UNION	City:Montrose	Size (Millions):$79.24	Members:6229
Name:DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION	City:Denver	Size (Millions):$122.40	Members:5751
Name:NORTHWEST UNITED FEDERAL CREDIT UNION	City:Arvada	Size (Millions):$70.59	Members:5654
Name:COMMUNITY CHOICE CREDIT UNION	City:Commerce City	Size (Millions):$36.20	Members:4916
Name:METRUM COMMUNITY CREDIT UNION	City:Centennial	Size (Millions):$49.23	Members:4815
Name:GRAND JUNCTION FEDERAL CREDIT UNION	City:Grand Junction	Size (Millions):$49.94	Members:4752
Name:RIO GRANDE FEDERAL CREDIT UNION	City:Grand Junction	Size (Millions):$44.50	Members:4611
Name:DELTA COUNTY FEDERAL CREDIT UNION	City:Delta	Size (Millions):$38.05	Members:4158
Name:WESTMINSTER FEDERAL CREDIT UNION	City:Westminster	Size (Millions):$30.68	Members:3903
Name:PUEBLO HORIZONS FEDERAL CREDIT UNION	City:Pueblo	Size (Millions):$26.80	Members:3858
Name:COLLEGE CREDIT UNION OF GREELEY	City:Greeley	Size (Millions):$42.10	Members:3817
Name:SOUTHWEST COLORADO FEDERAL CREDIT UNION	City:Durango	Size (Millions):$35.23	Members:3721
Name:PUEBLO GOVERNMENT AGENCIES FEDERAL CREDIT UNION	City:Pueblo	Size (Millions):$25.14	Members:3693
Name:ST. JOSEPH CREDIT UNION	City:Salida	Size (Millions):$20.95	Members:3674
Name:ELECTRICAL FEDERAL CREDIT UNION	City:Arvada	Size (Millions):$29.21	Members:3614
Name:COLUMBINE FEDERAL CREDIT UNION	City:Centennial	Size (Millions):$45.14	Members:3435
Name:ARKANSAS VALLEY FEDERAL CREDIT UNION	City:Las Animas	Size (Millions):$11.01	Members:3200
Name:SAGUACHE COUNTY CREDIT UNION	City:Moffat	Size (Millions):$17.03	Members:3185
Name:SAN JUAN MOUNTAINS CREDIT UNION	City:Montrose	Size (Millions):$23.32	Members:2996
Name:B.C.S. COMMUNITY CREDIT UNION	City:Wheat Ridge	Size (Millions):$25.41	Members:2950
Name:PORTER FEDERAL CREDIT UNION	City:Denver	Size (Millions):$23.98	Members:2923
Name:HOLYOKE COMMUNITY FEDERAL CREDIT UNION	City:Holyoke	Size (Millions):$30.84	Members:2921
Name:PEOPLES CREDIT UNION	City:Springfield	Size (Millions):$38.71	Members:2603
Name:YUMA COUNTY FEDERAL CREDIT UNION	City:Yuma	Size (Millions):$27.32	Members:2499
Name:FELLOWSHIP CREDIT UNION	City:Lamar	Size (Millions):$12.07	Members:2368
Name:GUADALUPE PARISH CREDIT UNION	City:Antonito	Size (Millions):$18.28	Members:2253
Name:SCHOOL DISTRICT 3 FEDERAL CREDIT UNION	City:Crawford	Size (Millions):$18.56	Members:2094
Name:WEST DENVER COMMUNITY CREDIT UNION	City:Denver	Size (Millions):$8.56	Members:2093
Name:ST. MARY CREDIT UNION	City:Walsenburg	Size (Millions):$8.67	Members:2018
Name:HEALTHONE FEDERAL CREDIT UNION	City:Denver	Size (Millions):$9.82	Members:1837
Name:BIG THOMPSON FEDERAL CREDIT UNION	City:Loveland	Size (Millions):$12.91	Members:1824
Name:ONE THIRTEEN CREDIT UNION	City:Colorado Springs	Size (Millions):$9.10	Members:1824
Name:JEFFCO FEDERAL CREDIT UNION	City:Golden	Size (Millions):$16.24	Members:1777
Name:JUNCTION BELL FEDERAL CREDIT UNION	City:Woodland	Size (Millions):$19.06	Members:1713
Name:HARRISON DISTRICT NO 2 FEDERAL CREDIT UNION	City:Colorado Springs	Size (Millions):$12.07	Members:1706
Name:RIO GRANDE OPERATING CREDIT UNION	City:Denver	Size (Millions):$7.20	Members:1542
Name:OTERO COUNTY TEACHERS FEDERAL CREDIT UNION	City:La Junta	Size (Millions):$3.80	Members:1319
Name:STAR TECH FEDERAL CREDIT UNION	City:Greenwood Village	Size (Millions):$7.90	Members:1317
Name:TRINITY CREDIT UNION	City:Trinidad	Size (Millions):$3.57	Members:1213
Name:BLUE SPRUCE FEDERAL CREDIT UNION	City:Lakewood	Size (Millions):$5.42	Members:1193
Name:D C CREDIT UNION	City:Denver	Size (Millions):$7.17	Members:1178
Name:LAMAR CIVIC FEDERAL CREDIT UNION	City:Lamar	Size (Millions):$5.51	Members:1166
Name:VALLEY EDUCATORS CREDIT UNION	City:Alamosa	Size (Millions):$5.81	Members:1086
Name:CO-NE FEDERAL CREDIT UNION	City:Julesburg	Size (Millions):$3.48	Members:1055
Name:F C I FEDERAL CREDIT UNION	City:Littleton	Size (Millions):$6.10	Members:1002
Name:MOFFAT COUNTY SCHOOLS FEDERAL CREDIT UNION	City:Craig	Size (Millions):$5.60	Members:992
Name:SMW NO 9 FEDERAL CREDIT UNION	City:Denver	Size (Millions):$2.85	Members:919
Name:ROUTT SCHOOLS FEDERAL CREDIT UNION	City:Steamboat Springs	Size (Millions):$4.55	Members:876
Name:LEGAL COMMUNITY CREDIT UNION OF COL	City:Littleton	Size (Millions):$3.66	Members:819
Name:RIO BLANCO SCHOOLS FEDERAL CREDIT UNION	City:Rangely	Size (Millions):$3.99	Members:686
Name:ENGLEWOOD MUNICIPAL FEDERAL CREDIT UNION	City:Englewood	Size (Millions):$3.42	Members:685
Name:GUNNISON WESTERN FEDERAL CREDIT UNION	City:Gunnison	Size (Millions):$4.05	Members:673
Name:I. U. O. E. #9 CREDIT UNION	City:Denver	Size (Millions):$2.83	Members:644
Name:FORT MORGAN SCHOOLS FEDERAL CREDIT UNION	City:Fort Morgan	Size (Millions):$5.06	Members:634
Name:HAXTUN COMMUNITY FEDERAL CREDIT UNION	City:Haxtun	Size (Millions):$3.72	Members:537
Name:MAPLETON PUBLIC SCHOOLS FEDERAL CREDIT UNION	City:Denver	Size (Millions):$1.91	Members:428
Name:ASHOKA CREDIT UNION	City:Boulder	Size (Millions):$2.49	Members:375
Name:AKRON FEDERAL CREDIT UNION	City:Akron	Size (Millions):$0.81	Members:344
Name:WEDENEM CREDIT UNION	City:Denver	Size (Millions):$1.43	Members:343
Name:ST. MICHAELS FEDERAL CREDIT UNION	City:Craig	Size (Millions):$0.80	Members:256
Name:OLATHE FEDERAL CREDIT UNION	City:Olathe	Size (Millions):$0.59	Members:252
Name:EATON EMPLOYEES FEDERAL CREDIT UNION	City:Denver	Size (Millions):$0.41	Members:134

Student Loans in Colorado of September 2026

As a Colorado resident, you can take advantage of state-level programs to help decrease your education cost.

Colorado Student Grant

As a needs-based scholarship, the Colorado Student Grant provides up to $5,000 per year to cover tuition, books, housing, and other financial necessities.

To qualify, you must:

Be a resident of Colorado.
Enroll in an eligible program at a partner institution.
Not have defaulted on any other student loans.
Meet academic requirements.

Colorado College Responsibilities Grant (CCGR)

Offering up to $600 per semester, the Colorado College Responsibilities Grant provides funding to undergraduate students who have yet to earn a bachelor’s degree. You need to be a resident of Colorado to qualify, and the Colorado General Assembly funds proceed.

Federal Housing Administration (FHA) Loans in Colorado of September 2026

To qualify for an FHA loan in Colorado, you need to make a down payment of at least 3.5%. You also need a credit score of at least 500, but 580 is required to qualify for the minimum 3.5% down payment. You also need a debt-to-income ratio that doesn’t exceed roughly 43% to 50%.

In Colorado, FHA loan limits are different across counties. 1-bedroom units qualify for the lowest mortgage amount, while 4-bedroom units qualify for the highest mortgage amount.

Here is a breakdown by county:

County:	Single Unit Limit (lowest):	Four-Plex Limit (highest):
County:Adams County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Alamosa County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Arapahoe County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Archuleta County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Baca County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bent County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Boulder County	Single Unit Limit (lowest):$644,000	Four-Plex Limit (highest):$1,238,500
County:Broomfield County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Chaffee County	Single Unit Limit (lowest):$369,150	Four-Plex Limit (highest):$709,900
County:Cheyenne County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Clear Creek County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Conejos County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Costilla County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Crowley County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Custer County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Delta County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Denver County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Dolores County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Douglas County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Eagle County	Single Unit Limit (lowest):$765,600	Four-Plex Limit (highest):$1,472,550
County:El Paso County	Single Unit Limit (lowest):$356,500	Four-Plex Limit (highest):$685,550
County:Elbert County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Fremont County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Garfield County	Single Unit Limit (lowest):$765,600	Four-Plex Limit (highest):$1,472,550
County:Gilpin County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Grand County	Single Unit Limit (lowest):$473,800	Four-Plex Limit (highest):$911,150
County:Gunnison County	Single Unit Limit (lowest):$371,450	Four-Plex Limit (highest):$714,350
County:Hinsdale County	Single Unit Limit (lowest):$427,800	Four-Plex Limit (highest):$822,700
County:Huerfano County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Jackson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Jefferson County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Kiowa County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Kit Carson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:La Plata County	Single Unit Limit (lowest):$422,050	Four-Plex Limit (highest):$811,650
County:Lake County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Larimer County	Single Unit Limit (lowest):$454,250	Four-Plex Limit (highest):$873,550
County:Las Animas County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lincoln County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Logan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mesa County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mineral County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Moffat County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Montezuma County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Montrose County	Single Unit Limit (lowest):$425,500	Four-Plex Limit (highest):$818,250
County:Morgan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Otero County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Ouray County	Single Unit Limit (lowest):$425,500	Four-Plex Limit (highest):$818,250
County:Park County	Single Unit Limit (lowest):$575,000	Four-Plex Limit (highest):$1,105,800
County:Phillips County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Pitkin County	Single Unit Limit (lowest):$765,600	Four-Plex Limit (highest):$1,472,550
County:Prowers County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Pueblo County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Rio Blanco County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Rio Grande County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Routt County	Single Unit Limit (lowest):$638,250	Four-Plex Limit (highest):$1,227,400
County:Saguache County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:San Juan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:San Miguel County	Single Unit Limit (lowest):$765,600	Four-Plex Limit (highest):$1,472,550
County:Sedgwick County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Summit County	Single Unit Limit (lowest):$722,200	Four-Plex Limit (highest):$1,388,850
County:Teller County	Single Unit Limit (lowest):$356,500	Four-Plex Limit (highest):$685,550
County:Washington County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Weld County	Single Unit Limit (lowest):$404,800	Four-Plex Limit (highest):$778,450
County:Yuma County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100

As you can see, the lowest FHA loan offers $314,827 in 37 counties. The highest offers of $1,397,400 can be found at Eagle, Garfield, Pitkin, and San Miguel.

Business Loans in Colorado of September 2026

If you’re looking to expand your business or need capital to help with day-to-day expenses, the online lenders below are a great place to start:

SuperMoney - Compare Business Loans

Apply Now

Amount:

Up to $10,000,000

APR:

Vary

Min. Credit Score:

Licensed in Colorado:

Yes

Get started

LendingClub

Apply Now

Amount:

$5,000 - $500,000

APR:

9.77% - 35.98%

Min. Credit Score:

600

Licensed in Colorado:

Yes

Get started

LendingTree

Apply Now

Amount:

$5,000 - $500,000

APR:

5.99% – 35.99%

Min. Credit Score:

500

Licensed in Colorado:

Yes

Get started

Kabbage

Apply Now

Amount:

Up to $250,000

APR:

24% – 99%

Min. Credit Score:

560

Licensed in Colorado:

Yes

Get started

SmartBiz SBA Loans

Apply Now

Amount:

Up to $350,000

APR:

9.28 - 10.52%

Min. Credit Score:

650

Licensed in Colorado:

Yes

Get started

CredibilityCapital

Apply Now

Amount:

Up to $350,000

APR:

10.00 - 25.00%

Min. Credit Score:

680

Licensed in Colorado:

Yes

Get started

Live Oak Bank

Apply Now

Amount:

$75,000 - $5,000,000

APR:

5.50 - 8.25%

Min. Credit Score:

650

Licensed in Colorado:

Yes

Get started

Funding Circle

Apply Now

Amount:

Up to $500,000

APR:

12.18 - 36.00%

Min. Credit Score:

660

Licensed in Colorado:

Yes

Get started

OnDeck

Apply Now

Amount:

Up to $500,000

APR:

9.00 - 99.00%

Min. Credit Score:

600

Licensed in Colorado:

Yes

Get started

BlueVine

Apply Now

Amount:

Up to $5,000,000

APR:

15.00 - 78.00%

Min. Credit Score:

600

Licensed in Colorado:

Yes

Get started

CaminoFinancial

Apply Now

Amount:

Up to $1,000,000

APR:

Vary

Min. Credit Score:

Licensed in Colorado:

Yes

Get started

TheLoanExchange

Apply Now

Amount:

$6,000 to $250,000

APR:

Vary

Min. Credit Score:

Licensed in Colorado:

Yes

Get started

However, if you prefer a local touch, the lenders below are based in Colorado and offer flexible loan options that can meet all of your business needs:

Colorado Lending Source

Providing an economic opportunity to diverse businesses across the state, Colorado Lending Source offers General Business Loans for various operating purposes.

You can borrow anywhere from $25,000 to $5 million, and loans can be used to fund working capital, purchase machinery, make an acquisition, and other general business purposes. To qualify, the business must be valued at less than $15 million and have an after-tax profit of less than $5 million (averaged over two years).

Maximum fixed interest rates look like this:

For loans ≤ of $25,000, interest rates are capped at 13.5%.
For loans > $25,000 but ≤ $50,000, interest rates are capped at 12.5%.
For loans > $50,000 but ≤ $250,000, interest rates are capped at 11.5%.
For loans > $250,000, interest rates are capped at 10.5%.

You can visit Colorado Lending Source at its Denver office located at: 1441 18^th Street, Suite 100, Denver CO 80203. You can also call them at 1-303-657-0010 or email them at info@coloradolendingsource.org.

Colorado Enterprise Fund

The Colorado Enterprise Fund supports small businesses across the state, offering loans that range from a few thousand to upwards of $500,000. However, APRs vary by the borrower.

The Dream Big Micro Loan allows you to borrow anywhere from $1,000 to $50,000. Terms extend up to 7 years, and funds can be used for working capital, equipment purchases, property upgrades, or other operating purposes.
The Step Up Loan provides anywhere from $50,000 to $500,000, and terms extend up to 10 years.
The Healthy Foods Loan is designed specifically for businesses producing and selling fresh food across Colorado. You can borrow anywhere from $1,000 to $500,000, and special terms are available to businesses serving low-income areas.
The VALOR Loan provides financing to veterans and Gold Star families across Colorado. Loans range from $1,000 to $500,000, and terms extend up to 10 years. Interest-only periods and discounted rates are available.
The SBA Community Advantage Loan is for borrowers who don’t qualify for funding from traditional banks. Loans range from $50,000 to $250,000, and terms extend up to 10 years for working capital or equipment and 25 years for real estate. However, APRs are variable.
The Great Asset Partner (GAP) Loan provides financing through its partner banks. You can borrow anywhere from $1,000 to $500,000, and terms extend up to 25 years.
The Commercial Real Estate Loan is used for Colorado property purchases. Loans range from $50,000 to $500,000, and terms extend up to 7 years.
The Just In TimeLine of Credit (LOC) is used to support working capital needs. You have access to anywhere from $15,000 to $100,000, and terms extend up to 2 years. The funds are best for seasonal demand and to mitigate cash flow issues.

You can get in touch with the Colorado Enterprise Fund by filling out its website’s contact form.

Conclusion

Colorado sets a great example by capping its APRs at 36%. Nearly identical to personal loans, the rate ensures Colorado borrowers receive reliable financing at an affordable rate. And while payday loans are legal in the state, they also have to play by the same rules. APRs cannot exceed 36%, and the law is used to protect borrowers from predatory lending practices and keep them from falling into a cycle of debt. Conversely, car title loans are illegal in Colorado. Lenders are prohibited from offering a loan in exchange for your title. However, lenders skirt the law by offering pawnshop loans. The technicality allows them to provide Colorado residents with a similar product, albeit still subject to the state’s 36% APR cap.