Best Personal Loans in Fort Collins, CO

ENT Credit Union stands out as the best personal loan lender in Fort Collins, Colorado, with a MoneyGeek score of 100 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1957. It offers loans with no origination or prepayment fees, which can save you money. You can borrow as low as $500, making it flexible for smaller needs. However, it charges a $15 late fee, so timely payments are crucial. Additionally, skipping a loan payment comes with a $25 charge.

Laurel Road is the leading online lender for personal loans in Fort Collins, Colorado. It earned a MoneyGeek score of 94 out of 100, reflecting its reliability and excellent service offerings. Borrowers can access loans ranging from $5,000 to $45,000 with repayment terms spanning 36 to 60 months, providing the flexibility to meet various needs. It also has a 0.25% autopay discount and does not require origination fees, making loan management more cost-effective. While it supports borrowers with these features, it also comes with a high minimum loan amount requirement, which may not cater to those seeking smaller loans. Additionally, it imposes a late fee of 5% or $28, emphasizing the importance of timely payments.

Security Service Federal Credit Union is the runner-up for the best personal loans in Fort Collins, Colorado, with a MoneyGeek score of 95 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1956. Borrowers will find its APR low at 9.99%, making it an attractive option for those seeking competitive rates. It's especially accommodating for individuals looking for smaller loans, with its minimum loan amount of $250. However, note that the borrowing limit is capped at $50,000, which may not meet the needs of those requiring larger sums. Additionally, there is no prequalification option, so commitment is required before rate assessment.

Elevations Credit Union in Fort Collins, Colorado, is a suitable choice for personal loans, earning a MoneyGeek score of 92 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1952. It does not charge a prepayment penalty, allowing you to pay off your loan early without additional fees. Additionally, its three branches in Fort Collins, Colorado, make in-person service convenient if you prefer face-to-face interactions. However, it does not disclose possible personal loan amounts. Furthermore, it does not offer rate discounts for personal loans, and there is no option to prequalify, which could affect potential borrowers looking to gauge their eligibility before applying.

Blue Federal Credit Union is a commendable choice for personal loans in Fort Collins, Colorado, with a MoneyGeek score of 90 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has been serving members since 1951. It allows for soft credit inquiries and operates three branches in Fort Collins, Colorado, which can be convenient for in-person assistance. However, its website provides limited information about loan options, which may require additional research for clarity.