Payday Loans in Divide, Colorado

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

Company nameAddressZip codePhone number
ACE Cash Express 604 W 29th St, Pueblo, CO 81008 +1 (719) 543 - 4517
ABC Bank - American Bank of Commerce 1000 W 6th St, Pueblo, CO 81003 +1 (719) 595 - 7300
M & M Funding 1793 S 8th St, Colorado Springs, CO 80905 +1 (719) 632 - 5281
Integrity Bank & Trust 1275 Village Ridge Point, Monument, CO 80132 +1 (719) 484 - 0077
Excel Financial Mortgage Brokers - Greeley, Colorado 2619 W 11th Street Rd 21, Greeley, CO 80634 +1 (970) 400 - 1582
Mortgage West 1757 S Pearl St, Denver, CO 80210 +1 (303) 282 - 7777
Wells Fargo Bank 205 E Meadows Dr, Glenwood Springs, CO 81601 +1 (970) 384 - 4470
Elevations Credit Union 4750 W 120th Ave 700, Westminster, CO 80031 +1 (303) 443 - 4672
Community Banks of Colorado 101 E Warren Ave, Cripple Creek, CO 80813 +1 (719) 689 - 2591
Check Into Cash 1145 S Camino Del Rio UNIT 118, Durango, CO 81303 +1 (970) 259 - 8640

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Divide, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Denver, CO, 24-Hour Loan in Englewood, CO, Payday Loans in Fort Collins, CO, Payday Loan Companies in Grand Junction, CO, Bad Credit Loans in Greeley, CO, 24-Hour Loan in Littleton, CO, Bad Credit Loans in Longmont, CO and Payday Loans in Loveland, 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 Divide, CO.

Beautiful sights of Divide, CO

Payday Loans Available in Divide, CO By The Following ZIP Codes:

80814

Are Payday Loans Legal In Divide, 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

Divide, CO payday loan calculator

Payday Loans in Divide, Colorado: A Comprehensive Guide

When you’re in a financial bind and need quick access to cash, payday loans can seem like a lifesaver option. In Divide, Colorado, this option is completely legal for those in need. However, before you take the plunge and apply for a payday loan, it’s important to understand the process.

What are Payday Loans?

Payday loans are short-term loans that typically have higher interest rates than traditional loans. They’re designed to provide quick access to cash for those who need it, regardless of credit history. In Divide, Colorado, payday loans are legal and regulated by state law, but they can still be risky if not used carefully.

How do Payday Loans Work?

Payday loans are typically offered through storefront lenders or online. The borrower provides the lender with proof of income, a post-dated check for the loan amount, and other required documentation. The lender then provides the borrower with the agreed-upon loan amount, usually within 24 hours.

When the loan comes due, the borrower is required to pay back the loan amount plus interest and fees. If the borrower can’t repay the loan on time, they can roll the loan over, which results in additional interest and fees.

What are the Risks of Payday Loans?

The biggest risk of payday loans is the high interest rates. In Divide, Colorado, payday loans can have interest rates up to 36%, which can quickly add up if the loan isn’t paid back on time. Additionally, rolling over a loan can result in even higher interest rates and fees.

Another risk of payday loans is that they can create a cycle of debt. If the borrower can’t repay the loan on time, they may be tempted to take out another loan to cover the first one, which can lead to a spiral of debt and financial instability.

Interesting Facts and Statistics About Payday Loans in Divide, Colorado

  • According to a Pew Charitable Trusts study, the average payday loan borrower in Colorado takes out eight loans per year, and 45% of borrowers take out four or more loans per year.
  • In 2020, Colorado payday loan borrowers took out over 414,000 loans, with a total loan volume of over $165 million.
  • The average loan amount in Colorado was $399, and the average interest rate was 97%.
  • Payday lenders in Divide, Colorado are required to be licensed by the state and comply with state laws and regulations.

Apply Now

If you’ve weighed the risks and benefits and decided that a payday loan is the best option for your situation, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application form, and we’ll begin the process of finding a lender that meets your needs. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we strive to provide our customers with safe and reliable access to financing options.

Don’t let a financial emergency get in the way of your financial stability. Consider the risks and benefits of payday loans in Divide, Colorado, and make an informed decision that meets your needs. Remember to borrow responsibly, and always pay back your loan on time to avoid unnecessary interest and fees.

F.A.Q.

Are payday loans legal in Divide, Colorado?

Yes, payday loans are legal in Divide, Colorado, but there are certain regulations in place to protect borrowers.

How much can I borrow through a payday loan in Divide, Colorado?

in Divide, Colorado, the maximum amount you can borrow through a payday loan is $500.