MoneyGeek's Picks for Best Personal Loan Lenders in Fort Collins, CO

MoneyGeek analyzed the best lenders for personal loans in Fort Collins based on 30 plus data points. Our analysis reviewed factors such as repayment terms, loan limits, interest rates, minimum requirements and fees. MoneyGeek’s ratings also took into account user experience and customer satisfaction ratings.

Based on this evaluation, LightStream was ranked as the best overall lender in Fort Collins for most borrowers. MoneyGeek also found the best lenders for different borrower profiles, including those with bad credit and those with good credit.

Best Overall Personal Loan Lender in Fort Collins: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Personal Loan Lender for Bad Credit in Fort Collins: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Best Personal Loan Lender for Good Credit in Fort Collins: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


Best Personal Loan Lender for Debt Consolidation in Fort Collins: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Personal Loan Lender for Home Improvement in Fort Collins: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg

Where to Start: How to Choose the Best Personal Loan Lender in Fort Collins for You

If you’re in need of funding, a personal loan may be a suitable option. In Colorado alone, residents have borrowed an average of $21,783 in personal loans to fund their large purchases or emergency expenses and consolidate their debt.

It’s important to consider your credit score, income and debt-to-income ratio when deciding if a personal loan is right for you or comparing lenders. To apply for a personal loan, MoneyGeek recommends taking the following steps to get the best outcome for your situation.


Ask Yourself the Important Questions

Personal loans are a long-term commitment — most take between two and four years to repay — so it’s important to first ensure that it’s the best financial decision for you. Start by asking yourself the following questions:

  • How much funding do I need? It’s important to accurately estimate the amount of funding you need to avoid paying more in interest or taking out a second personal loan. Your loan amount will also determine which lenders are available to you.
  • What is my credit score? This is easily one of the most important factors to consider when obtaining a personal loan because it will impact your eligibility for a loan and the terms available to you. If your credit score is low, consider improving it to receive a better rate on your personal loan.
  • Can I afford the monthly payment? While a higher monthly payment will allow you to repay your loan at a lower interest rate, it’s important that it fits into your budget. If you find that a high monthly loan payment would leave little money for other expenses, consider different loan terms.
  • How much debt do I already have? It’s important to evaluate your existing debt relative to your income because lenders will look at your DTI ratio when assessing your eligibility for a loan.

Do Your Research

To find the best personal loan in Fort Collins, you should compare lenders to see which best fits your profile. Evaluating lenders for their key features, such as APR rates, minimum credit score and income requirements, loan limits and terms, will help you choose the best one for your situation. Taking the time upfront to complete research will help you save money in the long run.

MoneyGeek’s guide is a great place to start when looking for the best lenders, but our recommendations are based on generic borrower profiles rather than your individual needs.



Once you’ve identified the lender that best suits your needs, wait a few days to think through your decision. It’s important to be confident in your choice, since a personal loan will take several years to repay, and, if improperly managed, could damage your finances in the long term.

During this time, you can consider other financing options that are available to you. If you find that a loan may negatively impact your financial situation, you should consider alternative options.


Read the Fine Print

To avoid missing key details, like fees for loan origination, late payments or early payments, it’s important that you read the fine print of your loan agreement.

Missing these could lead to unexpected charges that add up over the life of your loan. If you don’t understand any terms or fees, you should reach out to your lender directly for clarification.



If you are happy with your decision and chosen lender, you can submit your loan application. Most lenders offer online applications that can be completed in minutes, but you will need to provide supporting documents that verify your identity and employment status.

Make sure that you provide all the required details in the application to facilitate approval. In case you need help applying, most lenders provide online support, and, depending on the lender, you may also call or visit the lender for application assistance.

What to Do if You Can’t Get a Personal Loan in Fort Collins

If your loan application isn’t approved, don’t be discouraged. Lenders may deny applications for various reasons, including an insufficient credit score or income.

After your application is denied, it’s best to ask the lender why it wasn’t approved. Depending on why your application was rejected, you may be able to modify the terms of your loan, like the loan amount or repayment term, to gain approval. If your application wasn’t approved due to an insufficient credit score, you should work on improving your credit score first before reapplying.

In the event your application for a personal loan is rejected, you may be tempted to consider payday loans as an alternative. However, MoneyGeek strongly cautions against this. Payday loans feature high interest rates and short repayment terms that make repayment difficult and costly.

Frequently Asked Questions About Personal Loans in Fort Collins

When shopping for personal loans in Fort Collins the best option for you will depend on your personal needs and borrower profile. MoneyGeek answered some of the most commonly asked questions below to help you learn more about personal loans.

Our Personal Loan Methodology

To determine the best personal loans in Fort Collins, Colorado, MoneyGeek reviewed over 30 lenders in the state. Our analysis was based on more than 35 data points across six key categories, including loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

For each criteria, MoneyGeek factored in the key data points that matter most to a consumer when looking for a personal loan lender. These include interest rates, loan limits, minimum requirements for income and credit score, application fees and funding time.

MoneyGeek also factors in each lender’s customer support, business ratings and user experience. We consider additional tools and features that enhance the user experience for the consumer, such as the availability of prequalification features and mobile apps.

MoneyGeek’s recommendations are made after careful consideration to ensure that your best interests are addressed. Our personal loan recommendations are intended to help you make smart financial decisions when choosing the best lender for your needs.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.