Personal loans in Ault, CO

A personal loan is not the only option for residents of Ault, Colorado, and it is rarely the cheapest one for a short-term need. Colorado regulates short-term and installment lending through its own agency; the facts below show what applies here. It also affects which lenders are licensed to serve you at all. Look at the APR rather than the interest rate, because the APR folds in most of the fees. If you are already struggling with debt, a nonprofit credit counsellor can help before you take on more.

Ault falls under Colorado's consumer lending regulator.

What to know before you borrow in Colorado

Payday lendingPermitted and regulated — maximum loan amount: A lender shall not lend an amount greater than $500 nor shall the amount financed exceed $500 at any time to a consumer; maximum loan term: There shall be no maximum loan term. The minimum loan term shall be six months from the loan transaction date.Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensingConsumer lenders must obtain a state license (Yes; if interest rate is greater than 12% per year).Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)Usury limit: 8% if there is no agreement (C.R.S. 5-12-101); 45% is the maximum rate that may be agreed upon (C.R.S. 5-12-103). Finance rates and fees for licensed lenders: THE GREATER OF EITHER 36% per annum on the portion not exceeding $1,000 21% per annum on the portion between $1,000-$3,000 15% per annum on the remainder OR 21% per annum.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulatorConsumer lenders in Colorado are licensed and supervised by the Colorado Department of Law (Office of the Attorney General).Source: Conference of State Bank Supervisors · as of 2026

See all Colorado lending rules →

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Start with the personal loan calculator to see your monthly payment and total interest, then check that the payment fits your budget with the debt-to-income calculator.

If you are weighing more than one offer, the loan comparison calculator shows which costs less over the full term.

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Frequently asked questions

What if I am denied a loan in Ault?

Ask the lender for the reason, check your credit report for errors, and consider a credit union or a smaller loan. A denial is not permanent, and a nonprofit credit counsellor can help you plan.

Can I get a personal loan in Ault, Colorado?

Personal loans are offered in Ault by banks, credit unions and online lenders, subject to Colorado licensing rules and the lender's own criteria. There is no city-level restriction; eligibility depends on your credit, income and the lender.

What credit score do I need for a personal loan in Ault?

Lenders do not publish a single cutoff, and it varies by lender. A higher score generally means a lower rate. Checking pre-qualification usually involves a soft credit pull that does not affect your score.

Does Colorado cap the interest a lender can charge?

Yes, Colorado sets its own consumer lending rules, including any rate or fee limits. The sourced table above names the regulator and the statute for each figure.

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