Payday Loans in Arapahoe, Colorado

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No payday loan companies in Arapahoe, CO. Consider companies in other cities:

Company nameAddressZip codePhone number
U.S. Bank Branch 488 CO-92, Delta, CO 81416 +1 (970) 252 - 9866
Check Into Cash 3659-36 Austin Bluffs Pkwy, Colorado Springs, CO 80918 +1 (719) 598 - 8579
1st Advance Lending 1325 S Prairie Ave 10, Pueblo, CO 81005 +1 (719) 582 - 1220
FirstBank 2014 Grand Ave, Glenwood Springs, CO 81601 +1 (970) 947 - 0300
Wall Smith Bateman & Associates Inc: Gjellum Robert 15 Washington St 207, Monte Vista, CO 81144 +1 (719) 852 - 5103
National Check Network 3617 Betty Dr, Colorado Springs, CO 80917 +1 (719) 380 - 1393
Rocky Mountain Pawn 875 E Bridge St, Brighton, CO 80601 +1 (720) 408 - 9318
KeyBank 541 Big Thompson Ave, Estes Park, CO 80517 +1 (970) 586 - 2364
Great Western Bank 3800 E 15th St, Loveland, CO 80538 +1 (970) 624 - 0550
TBK Bank 580 Dahlia St, Hudson, CO 80642 +1 (303) 536 - 9259

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Arapahoe, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Broomfield, CO, Payday Loans in Castle Rock, CO, No Credit Check Loans in Colorado Springs, CO, Online Loans in Commerce City, CO, Payday Loans in Denver, CO, Short-term Loans in Englewood, CO, Emergency Loan in Fort Collins, CO and No Credit Check Loans in Grand Junction, CO. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Arapahoe, CO.

Beautiful sights of Arapahoe, CO

Are Payday Loans Legal In Arapahoe, Colorado?

Loan Rates and Fees, Laws and Regulations in Colorado.

Colorado Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)214
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term6 months (180 days)
Number of Rollovers Allowed1
Finance Charges<$300 = 20$ >$300 = 20$ + 7.5% of any excessive amount

Arapahoe, CO payday loan calculator

Payday Loans in Arapahoe, Colorado

Payday loans are a popular way to get quick cash when you need it, but they can also be risky if you don’t understand how they work. If you’re in Arapahoe, Colorado, then you’re in luck – payday loans are perfectly legal here!

What is a Payday Loan?

A payday loan is a short-term loan that’s meant to be paid back by your next paycheck. These loans are typically for smaller amounts, usually ranging from $100 to $1,500, and they’re designed to be easy to obtain, even if you have bad credit or no credit at all.

The process of getting a payday loan is generally simple and straightforward. You fill out an application online or in-store, and if you’re approved, you’ll receive your cash within a few minutes to a few hours.

How Do Payday Loans Work in Arapahoe, Colorado?

In Colorado, payday loans are regulated by the Colorado Uniform Consumer Credit Code. This law sets limits on the amount of money you can borrow, the fees you’ll be charged, and the length of the loan term.

In Arapahoe, Colorado, you can borrow up to $500 for a payday loan, and the loan term must be at least six months. The interest rate on these loans is capped at 20%, and lenders can’t charge more than a $5 verification fee. Additionally, lenders are required to offer an extended payment plan for borrowers who can’t repay their loan on time.

The Benefits of Payday Loans

The main benefit of payday loans is that they provide quick cash when you need it. If you have an unexpected expense, like a car repair or medical bill, you can get the money you need to cover it without having to wait for your next paycheck. Additionally, payday loans are easy to obtain, even if you have bad credit.

The Risks of Payday Loans

While payday loans can be a useful tool for getting quick cash, they can also be risky if you’re not careful. The biggest risk of payday loans is that they come with high interest rates and fees. If you’re not able to repay your loan on time, the fees can quickly add up, making it difficult to catch up on your payments.

Additionally, payday loans can encourage a cycle of debt. If you find yourself needing to take out a payday loan every month, it’s a sign that you may have underlying financial problems that need to be addressed.

Interesting Facts and Statistics about Payday Loans in Arapahoe, Colorado

  • In 2019, nearly 1.7 million payday loans were taken out in Colorado, totaling more than $700 million in loans.
  • The average payday loan in Colorado is around $392.
  • Many Colorado payday loan borrowers are repeat customers, with nearly 60% taking out multiple loans within a year.

Apply Now

If you’re in Arapahoe, Colorado, and you’re in need of quick cash, TheGuaranteedLoans can help. We’re a connector service that works with a network of trusted lenders to find the best loan options for our customers. Fill out our online application today to get started!

Note: TheGuaranteedLoans is not a direct lender and does not provide payday loans or other types of loans directly. We are a connector service that connects borrowers with potential lenders. We do not charge any fees for our services.

F.A.Q.

What are the penalties for not paying off a payday loan in Arapahoe, Colorado?

If a borrower is unable to pay off a payday loan in Arapahoe, Colorado, the lender may charge additional fees and interest. However, lenders are not allowed to pursue criminal action against borrowers for failing to pay off the loan.

Are there any alternatives to payday loans in Arapahoe, Colorado?

Yes, borrowers in Arapahoe, Colorado may be able to obtain a small loan from a credit union or bank, or seek assistance from a non-profit organization.