Loans from
$300 – $5,000

Repayment term
4 – 24 Months

Minimum credit score
No min. to apply

The figures provided are representative of a typical installment loan made or arranged by CreditNinja and are not guaranteed rates or terms that you may qualify for.

By Izzy M
Modified on March 15, 2024

The capital of Colorado can be found in the middle of the state. Denver is so close to the lush and wild Rocky Mountains. Remnants of the Old West can still be found throughout this historic city.

Denver’s early history is pure gold—literally. Prospectors from Georgia discovered gold at the base of the Rocky Mountains in the summer of 1858. The Denver gold rush is also known as the “Pikes Peak or Bust.” Unfortunately, not much gold resulted from mining around the Pikes Peak mountain.

Denver experienced three consecutive disasters during the mid 19th century. The first disaster was a great fire in 1863 that destroyed Denver’s business district. A year later, a flood caused millions of dollars in structural damage. The last disaster was an Indian war that disrupted food supply chains and left many residents starving. Luck shined on Denver after the construction of the Denver railroad station that connected to the Union Pacific Railroad. Prospectors found silver which helped the city prosper once again.

Denver for Residents and Visitors!

There are plenty of things to do in the city. Denver is the perfect city for nature lovers and adventure seekers because it is located so close to the Rocky Mountains. Go white water rafting, cycling, hiking, rock climbing, or basic exploring. The possibilities are endless!

If you enjoy a crisp cold beer, take on the Denver Beer Trail. Sample local beers and take tours of the numerous breweries located in the city. The Tivoli Brewing Company is Denver’s oldest brewery. This historic brewery served beer to gold rush pioneers back in the 19th century! The Great Divide Brewery and Tap Room has award-winning taps worth trying.

Union Station is one of Denver’s many historical landmarks. Union Station is a Beaux-Arts train station that got modern renovations done in 1914. There are delectable restaurants and bars and plenty of shops to explore. Union Station is a beautiful transportation hub that earned ninth place in the Leadership in Energy and Environmental Design (LEED) designation.

The population size in Denver is 715,522. Homeowners make up 49.9% of the population. The value of homes is relatively high, as many people consider Denver one of the best cities in the United States. The median value of a home is $390,600. Residents with a mortgage pay around $1,805, and those without a mortgage pay $492. Renters pay $1,311 monthly on average.

Can I Get a Personal Loan in Denver, CO?

There are various types of installment loans to choose from in Denver, Co. A personal loan provides eligible borrowers with quick emergency cash in one convenient lump sum. The qualification requirements are typical of an unsecured loan. Eligibility for personal loans and the loan amount depends on a borrower’s credit score and monthly income amount.

The loan amount varies significantly with personal loans. Eligible borrowers could receive a few hundred dollars up to a few thousand dollars. Individuals with an excellent credit score could secure higher loan amounts in their bank account with personal loans for credit card debt and other bills.

The borrower may be able to choose their preferred repayment length for personal loans. Having less time to pay off the personal loan can result in fewer interest fees and a short financial commitment. On the other hand, more time for repayment means lower monthly payments that are easier on a borrower’s budget.

Credit Score Qualifications for Personal Loans in Denver, CO

If you currently have a bad credit score, you may feel disheartened. Many lenders disqualify potential borrowers due to a low credit score. According to the credit scoring model, most lenders prefer a credit score over 670, which is good. The average credit score in the United States is 698.

These are the credit score ranges according to the FICO credit scoring model:

  • Poor — 300-579
  • Fair — 580-669
  • Good — 670-739
  • Very Good — 740-799
  • Excellent — 800-850

If you have a bad credit score, the good news is that you can still qualify for a personal loan in Denver, CO. The qualification requirements are flexible, so more residents in need of money can quickly get it for unexpected financial emergencies. If you don’t yet have a credit history, you may still be eligible for personal loans.

How To Improve Your Credit Score for Future Financial Opportunities

Having a good credit score may not be necessary to qualify for financing. Still, it could open up more opportunities for you. Individuals with high credit scores typically receive lower interest rates, more funding, and preferred treatment. For example, a rental applicant with a perfect credit score will undoubtedly receive approval first, then someone with poor credit. While it is possible to rent a home with bad credit, it can be challenging.

The good news is a credit score is calculated through credit data. By changing your financial habits, you can quickly start to raise your credit score over time.

Take a look at how you can steadily start to improve your credit score:

What Expenses Can I Pay With Personal Loans in Denver, CO?

Borrowers use personal loans for a variety of expenses in Denver, CO. Since the loan amounts can be pretty high, personal loans are an excellent option for expensive purchases and minimizing credit card debt. Read about a few ways borrowers have used their personal loan funding below.

Debt Consolidation

Credit card debt is one of the main reasons Denver, CO residents stress about finances. With too many credit cards and loans, it’s easy to forget due dates. Minimize your financial responsibility by using a personal loan to lower the number of monthly bills you have. You may be able to get a substantial loan amount in your bank account for debt consolidation. Instead of worrying about several monthly payments, you can confidently focus on a few.

Car Repairs

Having a car in working condition is necessary in Denver, CO. Without a drivable vehicle, you may risk running late to work and missing out on fun weekend excursions. If you recently experienced a damaging accident or maintenance issues, you might be looking at a steep repair bill. The price of a car repair depends on the damage and the auto parts required. But most common car repairs require up to a thousand dollars! If you don’t have that much money in your bank account, consider applying for personal loans to cover the expense and get back on the road.

Medical Bills

It’s essential to seek medical attention when you notice your health is less than stellar. But many people put off visiting a doctor because medical bills can be astronomical, even for people with health insurance. Suppose you recently visited the emergency room or underwent a medical procedure. In that case, you may now be stuck with an expensive medical bill. Personal loans could help you pay off that bill quickly before it is sent to collections.

Home Repairs

Home repairs can be extremely daunting. While most homeowners can do minor house repairs with no repair skills, most require a skilled handy person. If your house requires foundation repairs, water heater repairs, siding repairs, or sewer line repairs, you likely need a few thousand dollars. A lot of people do not anticipate significant home repairs until problems unexpectedly arise. By applying for personal loans in Denver, CO, you could get as much money as you need to fix your home and prevent further property damage.

Emergency Travel

There may come a time when you need to travel unexpectedly. A family member or friend may become ill, and it’s understandable that you would want to be with them. Last-minute flights and accommodations can be very pricey, especially if you require a nonstop flight for travel speed. Since emergency travel is impossible to plan, you may have a hard time acquiring the money you need instantly. Personal loan lenders could provide you with the airfare money you need in as little as one business day.

Types of Personal Loans Available in Denver, CO

There are different types of personal loans to choose from in Denver, CO. The personal loan option you choose depends on your preferences and unique financial needs. Consider what perks you prioritize from a loan, such as speed or qualification flexibility. Your answer can help you choose the best personal loan option for your current financial situation.

Secured Personal Loans

You may have a hard time securing a low interest loan with bad credit. Secured loans allow borrowers to lower the lending risk by offering collateral, such as a car title. Secured loans can help a person with a poor credit score get better terms and more money.

Cash Advance Personal Loans

With a cash advance personal loan, eligible borrowers can swiftly get cash in their bank account. If you need money to tide you over until your next paycheck, consider applying for a cash advance personal loan. The money can be spent on just about any financial emergency. A cash advance credit card typically has sky-high interest rates. In contrast, personal loans have lower interest rates that won’t overwhelm your budget.

Same Day Personal Loans

Time isn’t always on our side. You may require cash as soon as you can possibly get it in Denver, CO. Personal loans have a quick approval process. You can get financial relief in as little as one business day with same-day personal loans. With fast cash, you can avoid late fees and even rollover fees.

Bad Credit Personal Loans

Living with a bad credit score can be immensely stressful. Your financial opportunities may be limited since most lenders avoid working with a high-risk borrower. The good news is that you may still get sufficient money and affordable interest rates with a bad credit personal loan in Denver, CO. A bad credit personal loan makes it easy for individuals with a bad credit score to quickly qualify for financial support.

No Credit Check Personal Loans

Residents in Denver, CO, with a low credit score may wonder if getting a loan without a credit check is possible. A hard credit check also called a hard pull, is typically done during the approval process to review your risk as a borrower. A hard pull can lower your bad credit score even more, so it’s understandable to avoid credit checks. With a no credit check personal loan in Denver, CO, you can get the money you need and avoid a hard pull on your credit report!

Benefits Eligible Borrowers May Get With Personal Loans in Denver, CO

There are plenty of benefits eligible borrowers may receive with personal loans in Denver, CO. While most loans stress the speed of the approval process, not many options provide ample benefits. Personal loans come with plenty of perks for borrowers to take advantage of. Take a look.

Decent Interest Rates

The interest rate you receive will determine your monthly payment and the amount you pay in fees. Many fast loan options have high-interest rates because they are targeted towards individuals that don’t have adequate time to weigh their options. By applying for personal loans in Denver, CO, you can receive decent interest rates that are easily manageable.

Simple Debt Consolidation

Debt consolidation is one of the best perks of personal loans. With a sufficient loan amount in Denver, CO, you can reduce your monthly bills and high-interest debt balances. When you have fewer bills to pay each month, it’s easier to form a budget plan and plan expenses.

Good Credit Is Not Required

Having a good credit score is not required for personal loans in Denver, CO. Some loan options in the Denver area rely solely on a person’s credit score. Personal loans consider other factors. Even if you have a less than perfect credit score, you can get money through a personal loan to pay for medical bills, car repairs, and more.

Fast Cash

If you need cash in your bank account fast to pay this month’s rent or mortgage, apply for personal loans. Money can be deposited directly into your checking account in as little as one business day.

Minimal Fees

Many lenders stack on fees to extract as much money as possible from borrowers in Denver, CO. Personal loans have fees, but a minimal amount! Fewer fees mean you can easily afford to repay the money you borrowed. You can avoid prepayment penalties, hidden fees, and balloon payments when you apply for personal loans.


With personal loans in Denver, CO, you can spend your money on anything! You don’t have to disclose what you need the money for. Finances can be highly personal, and you may not feel comfortable talking about funeral expenses, medical bills, or credit card debt. Use your personal loan money however you like, as long as it simplifies your life and eases your financial stress.

Apply With CreditNinja To Get a Personal Loan in Denver, CO

Your loan options are numerous in Denver, CO. However, not every loan option is going to benefit you. Payday loans can be easy to acquire and convenient. Many Denver residents may feel tempted to apply for a payday loan when they’re in a financial pinch. Payday loans are predatory loans that do more harm than good.

Applying for a personal loan in Denver with CreditNinja could help you get affordable loans despite a low credit score! CreditNinja is an online lender that strives to provide the best personal loans and financial services throughout the United States. Why settle for any other personal loan offer when you could secure benefits that reflect positively on your finances despite a bad credit score.

Apply for a personal loan today to take back control of your life. If you have a bad credit score, you can slowly start working towards a higher credit score by ensuring you pay your personal loan on time.

These are just a few perks you can get with a personal loan from CreditNinja:

  • Convenient Online Process
  • Bad Credit Score is OK
  • Quick Money Transfers to Bank Accounts
  • A Fixed Rate
  • Flexible Repayment Length
  • No Prepayment Penalties

What our borrowers are saying

  1. Early Denver, CO History 
  2. Denver Census
  3. Breweries in Denver, CO

¹Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications approved before 10:30 a.m. CT Monday – Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day. Some applications may require additional verification, in which case, the loan if approved, will be funded the business day after such additional verification is completed.