Personal loans in Denver, CO

Denver is a major metropolitan city in Colorado, with an estimated 716,577 residents, and every licensed lender here follows the same state rulebook. With 716,577 residents, Denver outranks about 100% of the communities in Colorado.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A 2020-to-2023 comparison shows Denver up by about 0.1%. To lend to Denver's 716,577 residents, a company must hold a Colorado licence, and each sourced row below names the regulator behind it. Use the calculator on this page to price an amount and term before you commit in Denver. Denver is Colorado's largest place, so there is no bigger in-state city to compare it with.

Local context for Denver

Set out below is Denver's local context next to the state-level rules that reach every lender here.

What to do before borrowing in Denver

These steps shape the offer you get in Denver, a place of about 716,577 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Colorado regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Denver and the rest of Colorado is not the process but the borrower's own file, among the 716,577 people here.

Denver on the map

Denver covers about 153.1 square miles of land, with 1.65 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 4,681 people per square mile. A 50-mile radius around Denver takes in 0 places that are larger. Within the same 50 miles lie 74 smaller Census places.

How personal loans work in Denver

Most loans made to Denver's 716,577 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Denver loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Denver loan is knowable in advance — unlike a revolving card balance.

How lenders reach Denver

Denver is fairly dense, with about 4,681 people per square mile and 0 larger places within 50 miles. Whether Denver has a local branch or not, a Colorado-licensed lender can serve its 716,577 people online on the same terms.

The state rulebook for Denver

For the roughly 716,577 residents of Denver, the rules below are Colorado's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorColorado Attorney General's Office — Consumer Credit Unit (Administrator of the Uniform Consumer Credit Code)
Source says: "The Consumer Credit Unit regulates (through licensure/registration programs) companies and individuals involved in consumer lending"; it "licenses non-bank lenders such as finance companies and payday lenders".		Colorado Attorney General — Consumer Protection Section
as of 2026-09-16
Maximum legal interest rate (usury cap)UCCC finance-charge ceilings: 12% per year on non-supervised consumer loans; supervised loans 36% on the first $1,000, 21% on $1,000–$3,000, 15% above $3,000 (or 21% flat); 21% on revolving accounts
Source says: "not exceeding twelve percent per year on the unpaid balance of the amount financed"; "Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less"; "Twenty-one percent per year on the unpaid balances of the amount financed".		Colorado General Assembly — C.R.S. § 5-2-201 (Colorado Revised Statutes 2024, Title 5)
as of 2026-09-16
Payday lending statusPermitted but capped at 36% APR (Proposition 111, effective February 1, 2019)
Source says: "a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of thirty-six percent".		Colorado General Assembly — C.R.S. § 5-3.1-105 (Deferred Deposit Loan Act)
as of 2026-09-16
Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Denver if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Denver is the same as anywhere in Colorado.
What loan size can I expect in Denver?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Denver?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Denver cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related