Payday Loans in Buffalo Creek, Colorado

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

Company nameAddressZip codePhone number
Fidelity Mortgage - Grand Junction 700 Belford Ave # 300, Grand Junction, CO 81501 +1 (970) 242 - 7000
Southern Colorado Economic Development District SCEDD 121 W City Center Dr, Pueblo, CO 81004 +1 (719) 545 - 8680
Payday Loans 1013 W Garden of the Gods Rd, Colorado Springs, CO 80907
Blue Federal Credit Union - Granby 129 E Agate Ave, Granby, CO 80446 +1 (970) 887 - 2115
Glenwood Insurance Agency 1605 Grand Ave, Glenwood Springs, CO 81601 +1 (970) 945 - 9161
Ent Credit Union 1 Mt Baldy Dr, Rye, CO 81069 +1 (800) 525 - 9623
LPL Financial 630 Southpointe Ct 102, Colorado Springs, CO 80906 +1 (719) 576 - 9788
Advance America 8745 Wadsworth Blvd, Westminster, CO 80003 +1 (303) 456 - 5400
Front Range State Bank 2001 Main St, Longmont, CO 80501 +1 (303) 772 - 2296
Western Rockies Federal Credit Union 577 Kokopelli Dr, Fruita, CO 81521 +1 (970) 858 - 7422

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buffalo Creek, 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, Payday Loans in Colorado Springs, CO, Short-term Loans in Commerce City, CO, 24-Hour Loan in Denver, CO, Payday Loans in Englewood, CO, Payday Loans in Fort Collins, CO and Payday 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 Buffalo Creek, CO.

Beautiful sights of Buffalo Creek, CO

Are Payday Loans Legal In Buffalo Creek, 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

Buffalo Creek, CO payday loan calculator

Payday Loans in Buffalo Creek, Colorado

Payday loans are a form of short-term lending that typically offer small amounts of cash to borrowers who need money to cover unexpected expenses. In Colorado, payday loans are legal and regulated to ensure that borrowers are treated fairly and that lenders operate within the bounds of the law. Buffalo Creek, like many other towns in Colorado, has a number of payday loan lenders that can provide borrowers with quick and easy access to cash when they need it most. In this article, we’ll take a closer look at payday loans in Buffalo Creek and how they work.

How Do Payday Loans Work?

Payday loans are typically offered to borrowers who have a regular source of income and a checking account. In most cases, borrowers have to show proof of income and provide the lender with access to their checking account so that the loan can be deposited and later withdrawn on the borrower’s next payday. The amount that a borrower can receive from a payday loan lender is typically small, ranging from a few hundred to a few thousand dollars, and the loan must be repaid in full within a few weeks or months. In exchange for the loan, borrowers are charged interest and fees, which can add up quickly if the loan is not repaid on time.

The Legality of Payday Loans in Buffalo Creek, Colorado

In Colorado, payday loans are legal and regulated by state law. The Colorado Deferred Deposit Loan Act governs the payday loan industry in the state, setting out rules and regulations that lenders must follow in order to operate legally. For example, payday lenders in Colorado must be licensed by the state and are not allowed to charge more than 36% interest on a payday loan. Additionally, lenders are required to give borrowers a written agreement that outlines the terms of the loan, including the interest rate, fees, and due date.

Pros and Cons of Payday Loans

Payday loans can be a valuable source of quick cash for people who need money to cover unexpected expenses. They are also relatively easy to qualify for, which can make them an attractive option for people who have low credit scores or limited access to traditional credit. Despite these advantages, however, there are also some significant downsides to payday loans. For one, payday loans are typically very expensive, with interest rates and fees that can quickly add up to more than the amount borrowed. Additionally, if a borrower is unable to repay the loan on time, they may be subject to penalty fees, collection calls, and even legal action. For these reasons, it’s important for borrowers to carefully consider the pros and cons of payday loans before taking one out.

Interesting Facts and Statistics About Payday Loans in Buffalo Creek, Colorado

  • As of 2021, there are reportedly 14 payday loan storefronts in the city of Denver, Colorado, which is located about an hour from Buffalo Creek.
  • In 2020, the Colorado Attorney General’s office sued a dozen payday lending companies for illegal lending practices, including charging excessive fees and interest rates.
  • A 2014 report by the Pew Charitable Trusts found that the average payday loan borrower in Colorado takes out eight loans per year, with an average loan size of $392 and an average interest rate of 129%.

Apply Now

If you’re interested in applying for a payday loan in Buffalo Creek, Colorado, TheGuaranteedLoans can help you find a lender who may be able to provide you with the cash you need. As a connection service, we work with a network of trusted lending partners to help borrowers get the money they need quickly and easily. To get started, fill out our online application today and one of our representatives will contact you shortly to discuss your options.

Please note that TheGuaranteedLoans is not a direct lender and does not make lending decisions on behalf of our partners. Additionally, we do not charge any fees for our services, and you are not obligated to accept any loan offers that you receive.

F.A.Q.

How long do I have to repay a payday loan in Buffalo Creek, Colorado?

in Buffalo Creek, Colorado, payday loans must be repaid within six months, including any fees and interest.

What are the fees associated with payday loans in Buffalo Creek, Colorado?

in Buffalo Creek, Colorado, payday lenders are allowed to charge up to 20% of the loan amount as a finance charge and an additional 7.5% as a verification fee.