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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. Our partners at 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

    #1 OUR FAVORITE
    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

    Learn More (877) 850-2322 Read More
    #2
    Credit Union of Denver
    • Secured & unsecured loans
    • 36-60 month terms
    • Minimum of $250
    • Share secured loans
    Location
    900 Auraria Pkwy.
    Denver, CO 80204
    (303) 239-1150
    Read More
    #3
    Bellco Credit Union
    • $50,000 line of credit
    • Share-secured loans
    • Signature loans
    • Fixed interest rates
    Location
    244 Milwaukee St.
    Denver, CO 80206
    (720) 479-5277
    Read More
    Canvas Credit Union
    • M-F: 9am - 6pm
    • Closed Sat and Sun
    • canvas.org
    Location
    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
    Location
    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
    Location
    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
    Location
    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
    Location
    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

    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.

    Best Egg Learn More (877) 850-2322

    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