Payday Loans in Austin, Colorado

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

Company nameAddressZip codePhone number
Capital Jewelry And Loan 720-405-CASH 4644 Peoria St Suite 108, Denver, CO 80239 +1 (720) 405 - 2274
Check Into Cash 16728 E Smokey Hill Rd Ste 11-H, Aurora, CO 80015 +1 (303) 766 - 1113
Mister Money USA 746 N College Ave, Fort Collins, CO 80524 +1 (970) 484 - 4923
San Juan Mountains Credit Union 1102 S Cascade Ave, Montrose, CO 81401 +1 (970) 249 - 5319
Rocky Mountain Bank & Trust 101 E Main St, Florence, CO 81226 +1 (719) 784 - 6316
PB&T Bank Castle Rock 360 Perry St, Castle Rock, CO 80104 +1 (303) 688 - 3587
Gold Ring Pawn 445 Main St, Silt, CO 81652 +1 (970) 876 - 5626
Equitable Savings & Loan Association 300 Clayton St, Brush, CO 80723 +1 (970) 842 - 5196
ACE Cash Express 6460 E Yale Ave, Unit G40, Denver, CO 80222 +1 (303) 504 - 3546
Speedy Cash 6501 E Evans Ave, Denver, CO 80224 +1 (303) 685 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Austin, CO, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Broomfield, CO, Payday Loans in Castle Rock, CO, Payday Loans in Colorado Springs, CO, Quick Loan in Commerce City, CO, Bad Credit Loans in Denver, CO, Payday Loans in Englewood, CO, Payday Loans in Fort Collins, CO and Payday Loan Without a Credit Check 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 Austin, CO.

Are Payday Loans Legal In Austin, 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

Austin, CO payday loan calculator

Payday Loans in Austin, Colorado: A Comprehensive Guide

When unexpected expenses arise, payday loans can be a helpful way to access cash quickly. With easy eligibility requirements and fast funding, payday loans in Austin, Colorado may be an appealing option for those in need. Here’s what you need to know before taking out a payday loan in Austin, Colorado.

Eligibility Requirements

Unlike traditional loans, payday loans typically have few eligibility requirements. To be eligible for a payday loan in Austin, Colorado, you must:

  • Be at least 18 years old
  • Have a valid government ID
  • Provide proof of income (such as a pay stub)
  • Have an active checking account

While these requirements may vary from lender to lender, they provide a general idea of what you’ll need to get approved for a payday loan in Austin, Colorado.

Loan Amounts and Terms

In Colorado, the maximum payday loan amount is $500. Lenders can charge up to 20% of the loan amount as an origination fee, plus an additional monthly maintenance fee of up to $7.50 per $100 borrowed. The loan term cannot exceed 40 days.

It’s important to note that these fees can add up quickly, and payday loans should only be used as a last resort. Be sure to read and understand the terms and fees associated with your loan before signing any paperwork.

Benefits of Payday Loans in Austin, Colorado

Payday loans can be a useful tool in certain situations. Some benefits of payday loans in Austin, Colorado include:

  • Fast funding – payday loans can often be funded within one business day
  • Easy eligibility – as long as you meet the basic requirements, you can apply for a payday loan
  • No credit check – payday loans typically do not require a credit check, making them an option for those with poor credit

Risks of Payday Loans in Austin, Colorado

While payday loans can be helpful in emergencies, they are not without risks. Some potential risks of taking out a payday loan in Austin, Colorado include:

  • High fees – payday loans can come with high fees and interest rates, which can make it difficult to repay the loan on time
  • Cycle of debt – if you can’t repay your payday loan on time, you may be tempted to take out another loan to cover the first one, leading to a cycle of debt
  • Collection actions – if you default on your payday loan, the lender may take collection actions against you, which can damage your credit score and lead to legal action

Interesting Facts and Statistics

While payday loans are legal in Colorado, there are strict regulations in place to protect consumers. According to a report from the Center for Responsible Lending:

  • The average payday loan APR in Colorado is 129%
  • Over 75% of payday loan fees in Colorado are generated by borrowers who take out more than 10 loans per year
  • In 2016, Colorado payday borrowers paid $50 million in fees alone

Apply Now

If you’re in need of a payday loan in Austin, Colorado, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application to get started. Remember, TheGuaranteedLoans is a connector service, not a direct lender. We will work to facilitate your connection with potential lenders who can offer payday loans that meet your needs.

While payday loans can be a helpful way to access cash quickly, they do come with risks. Be sure to consider all of your options before taking out a payday loan and read and understand the terms and fees associated with the loan before signing any paperwork.

F.A.Q.

What happens if I can't repay my payday loan in Austin, Colorado?

If you are unable to repay your payday loan in Austin, Colorado, the lender may take legal action to collect the debt. It is important to contact the lender as soon as possible to discuss your options.

Are there any laws to protect me as a borrower of payday loans in Austin, Colorado?

Yes, in Austin, Colorado there are laws in place to protect borrowers of payday loans. These include a limit on the number of loans that can be taken out at once and a requirement for lenders to provide borrowers with information about their rights and options.