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Support Home Applying for a Loan Are loans through Bank of Denver fixed rate or variable rate? Are loans through Bank of Denver fixed rate or variable rate? All loans through Bank of Denver have a fixed interest rate, which means it won't change throughout the term of the loan. Was this article helpful? 0 0 Related Questions: How does applying for a loan affect my credit? Checking your rate with Bank of Denver will not affect...… What fees am I charged? Fee Amount Frequency Description Late Payment Fee $15 or 5%...… How are interest payments calculated? Bank of Denver uses simple interest to calculate interest payments....…