Best Personal Loans in Thornton, CO

ENT Credit Union offers the best personal loan in Thornton, Colorado, with a MoneyGeek score of 100 out of 100. Insured by the National Credit Union Administration (NCUA), it has been serving members since 1957. Borrowers benefit from no origination or prepayment fees. You can borrow as little as $500. However, it charges a $15 late fee. There’s also a $25 fee for skipping a loan payment.

Laurel Road is the best online personal loan provider in Thornton, 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. Borrowers can get a 0.25% discount for autopay, which can reduce the interest rate for those who set up automatic payments. It also doesn't charge any 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.

Vectra Bank Colorado is the runner-up for personal loans in Thornton, Colorado, with a MoneyGeek score of 93 out of 100. A member of the Federal Deposit Insurance Corporation (FDIC) since 1988, it offers loans up to $100,000. It provides a 0.25% discount for setting up autopay, which benefits those needing larger loans or looking to reduce their interest rate.

However, additional conditions may apply for loans over $15,000, and the lack of a prequalification option could limit transparency about loan eligibility.

Bellco Credit Union is a solid option for personal loans in Thornton, Colorado, with a MoneyGeek score of 88 out of 100. Federally insured by the NCUA since 1936, it allows joint applications, which can help improve approval chances with a co-applicant. Its mobile app also makes it easy to manage loans on the go.

However, it charges late fees for missed payments. The absence of a prequalification option means you'll need to apply to assess your approval odds, which can affect your credit score.

Westerra Credit Union is a solid choice for personal loans in Thornton, Colorado, with a MoneyGeek score of 86 out of 100. Federally insured by the NCUA and serving members since 1934, it's known for its strong reputation and transparency.

Westerra offers excellent customer service and educational resources but doesn't disclose loan amounts or repayment terms online, which may limit planning. Its starting APR of 11.99% may also be higher than some alternatives.