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Find the Best Personal Loans in Denver, CO

Unexpected expenses, like medical bills, car repairs or necessary home renovation can break your bank account if you don’t have enough savings. Personal loans give you options. We researched the best personal loans in Denver to find you the right loan for your borrowing needs.

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Compare Top Personal Loans

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Best Egg
Overall satisfaction rating
  • Apply in minutes, get a decision instantly
  • Won't impact your credit score
  • Available in Denver
  • No prepayment penalties

Personal loans made fast & easy

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Credit Union of Denver
  • Secured & unsecured loans
  • 36-60 month terms
  • Minimum of $250
  • Share secured loans
900 Auraria Pkwy.
Denver, CO 80204
(303) 239-1150
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Bellco Credit Union
  • $50,000 line of credit
  • Share-secured loans
  • Signature loans
  • Fixed interest rates
244 Milwaukee St.
Denver, CO 80206
(720) 479-5277
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Canvas Credit Union
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • canvas.org
1512 Larimer St., Ste. 21R
Centennial, CO 80202
(303) 691-2345
Denver Community Credit Union
  • M-F: 9am - 5pm
  • Sat: 9am - 1pm
  • Closed Sun
  • denvercommunity.coop
1075 Acoma St.
Denver, CO 80204
(303) 573-1170
Alpine Bank
  • M-Th: 8:30am - 5pm
  • F: 8:30am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
215 St Paul St., Ste. 100
Denver, CO 80206
(303) 270-0101
First Citizens Bank
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • firstcitizens.com
3611 E. 1st Ave.
Denver, CO 80206
(303) 329-2500
OneMain Financial
  • M: 8:30am - 5:30pm
  • T: 8:30am - 7pm
  • W-F: 8:30am - 5:30pm
  • Closed Sat and Sun
545 S. Broadway, Ste. 300
Denver, CO 80209
(303) 282-6611

How to choose a personal loan company in Denver

Denver Skyline

Before researching companies, it’s important to understand how personal loans can help you. People may use a personal loan in Denver to pay for:

  • Home remodeling projects
  • Medical expenses
  • Unexpected costs in an emergency
  • Consolidation of high-interest credit card debt
  • Moving costs
  • Major life events, like a wedding
  • Large purchases, like a vacation or car

Though you could fund these needs with a credit card, people opt for personal loans because they typically have lower interest rates.

There are various types of personal loans:

Type of loan How it works
Unsecured loans There is no collateral, such as your home or car, for these loans, which often results in a higher interest rate.
Secured loans Secured loans may have lower interest rates, but the Federal Trade Commission advises to be aware of the risks, since these require collateral, such as your home.
Debt consolidation loans Debt consolidation loans pay off other high-interest loans and debt, consolidating them into one monthly payment with a lower interest rate.
Payday loans Also known as cash advance loans, these are short-term loans with high interest.
Consumer line of credit This type of loan is similar to a credit card where you have access to a line of credit for a certain period of time.

Applying for personal loans is typically a quick and easy process. You can get personal loans from banks, credit unions and online lenders. Credit unions are a good option for those with bad credit, but acquiring personal loans is typically impossible if your credit score is below 580.

When applying, you’ll need to provide personal information, such as monthly housing payment, employer and current wages. Based on this, the lender will then run a credit check to determine the amount and interest rate of your loan.

Choosing a personal loan in Denver can be confusing, but it’s important to understand all the terms before signing any contracts. Make sure you understand the following:

  • What is the interest rate?
  • What is the loan term?
  • Is there a prepayment penalty for paying off the loan before it’s due?
  • Are there any origination fees or any other fees upon signing?

Finally, make sure your lender has good reviews and a positive reputation.

Personal Loans Reviews

Accredited Partner

Best Egg

With competitive interest rates, Best Egg offers Denver residents money in as little as one business day. You can check what your loan rate would be with no impact to your credit score. Customers in Denver say that the application process was easy and fast and they experienced good customer service.

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Credit Union of Denver

Credit Union of Denver offers personal loans and an online application process that takes only 10 minutes. Denver customers report that the employees are friendly, compassionate and helpful and that the location and hours are convenient.

Credit Union of Denver

Bellco Credit Union

Bellco Credit Union offers a few different kinds of personal loans, including consumer lines of credit up to $50,000, secured loans and signature loans. The online application is simple. Customers report friendly, personable service, but some note complication with payments.

Bellco Credit Union