Best Personal Loans in Lakewood, CO

Security Service Federal Credit Union is the best personal loan provider in Lakewood, Colorado, with a MoneyGeek score of 99 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has served members since 1956. With an APR starting at 9.99%, it provides a cost-effective borrowing option, allowing loans as low as $250 for smaller needs.

However, a 5% late fee may increase expenses if payments are missed, and the lack of a prequalification option limits the ability to assess eligibility before applying.

Laurel Road is the best online personal loan provider in Lakewood, Colorado, with a MoneyGeek score of 94 out of 100. It offers loans from $5,000 to $45,000 with repayment terms of 36 to 60 months. Laurel Road usually gives out funds within seven business days after approval. Borrowers can get a 0.25% discount for autopay and pay no origination fees.

However, its high minimum loan amount may not work for those needing smaller loans. Borrowers should also watch out for the 5% or $28 late fee, which can add up if they miss payments.

Foothills Credit Union is the runner-up for the best personal loans in Lakewood, Colorado, with a MoneyGeek score of 93 out of 100. Federally insured by the NCUA since 1946, it accepts co-borrowers, offering flexibility in loan applications. The credit union also provides a loan payment calculator to help you plan your repayments.

However, it charges a $15 late fee for missed payments. The lack of a prequalification process may limit options for those wanting to check rates without impacting their credit score.

Credit Union of Colorado is a solid option for personal loans in Lakewood, Colorado, with a MoneyGeek score of 92 out of 100. Established in 1934 and federally insured by the NCUA, it offers a mobile app for managing personal loans and a skip-a-payment program for added flexibility.

However, the maximum loan amount is $50,000, and eligibility requirements aren't disclosed on its website, which may require further inquiries.

Bellco Credit Union is a solid choice for personal loans in Lakewood, Colorado, with a MoneyGeek score of 91 out of 100. Founded in 1936 and federally insured by the NCUA, it allows joint applications, which can boost your chances of approval by combining incomes. A convenient mobile app helps you manage your loan on the go.

However, it may charge late fees if payments are missed. There's no option to prequalify; you'll need to apply to determine your loan terms, which could impact your credit score.