Payday Loans in Galeton, Colorado

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

Company nameAddressZip codePhone number
Credit Union of the Rockies 91 E Agate Ave, Granby, CO 80446 +1 (303) 273 - 5200
TBK Bank 10 Angove St, Johnstown, CO 80534 +1 (970) 587 - 2160
Dinero Rapido 105 Capitol St, Eagle, CO 81631 +1 (970) 328 - 1802
Ent Credit Union 2018 Prairie Center Pkwy, Brighton, CO 80601 +1 (800) 525 - 9623
Wells Fargo Bank 1475 S Townsend Ave, Montrose, CO 81401 +1 (970) 240 - 8989
Sharpy's Pawn 300 N Chester Ave, Pueblo, CO 81003 +1 (719) 544 - 7296
Bank of the San Juans 25 N Spruce St, Colorado Springs, CO 80905 +1 (719) 632 - 4889
Walmart Vision & Glasses 1250 E Magnolia St, Fort Collins, CO 80524 +1 (970) 493 - 9245
Freedom Financial Services 300 Main St, Grand Junction, CO 81501 +1 (970) 263 - 7200
FirsTier Bank 120 S Wilcox St, Castle Rock, CO 80104 +1 (303) 660 - 4001

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Galeton, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Parker, CO, 24-Hour Loan in Pueblo, CO, Payday Loans in Westminster, CO, Short-term Loans in Wheat Ridge, CO, Payday Loans in Arvada, CO, Short-term Loans in Aurora, CO, Payday Loan Companies in Boulder, CO and Payday Loans in Brighton, 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 Galeton, CO.

Beautiful sights of Galeton, CO

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

80622

Are Payday Loans Legal In Galeton, 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

Galeton, CO payday loan calculator

Payday Loans in Galeton, Colorado: A Comprehensive Guide

When unexpected expenses arise, and you don’t have enough cash to cover them, payday loans can be a useful tool to help you out. Although they come with high-interest rates, they are often the only option available to those in need of quick cash. This guide will provide you with all the information you need about payday loans in Galeton, Colorado, including the legal information, the application process, and the pros and cons of these loans.

The Legal Landscape of Payday Loans in Galeton, Colorado

Payday loans are legal in Colorado, and there are laws set in place to regulate the lending industry. To apply for a payday loan, you must:

  • Be at least 18 years of age.
  • Be a citizen or permanent resident of the United States.
  • Have an active bank account in your name.
  • Provide proof of income and a valid phone number and email address.
  • Agree to the terms and conditions of the loan.

Keep in mind that the maximum amount you can borrow in Colorado is $500, and the term of the loan cannot exceed 40 days. Additionally, the finance charge on a payday loan cannot exceed 20% of the first $300 borrowed and an additional 7.5% on any amount over $300. These regulations are in place to protect the borrower from predatory lending practices.

The Application Process

Applying for a payday loan in Galeton, Colorado, is a straightforward process. You can either apply online or visit a physical store. Most lenders require you to fill out an application form providing information about yourself, your income, and your bank account. After submitting your application, you will receive a lending decision within a few minutes. If you are approved, you will receive the funds in your account within one business day.

The Pros of Payday Loans

Payday loans can be beneficial in certain circumstances. For example, if you have an emergency expense that cannot wait until your next paycheck, a payday loan can provide you with the cash you need to cover it. Additionally, payday loans are often easier to access than traditional loans, as they do not require a credit check or collateral. This makes them an option for those with poor credit or no credit history.

The Cons of Payday Loans

Payday loans come with high-interest rates and fees, making them an expensive option for borrowing money. Additionally, if you are unable to pay off the loan on time, you may be subject to additional fees and interest charges. This can lead to a cycle of debt where you end up taking out multiple payday loans to pay off the previous ones.

Interesting Facts and Statistics

  • Colorado has some of the strictest payday lending laws in the country, with a maximum APR of 36%.
  • According to a study by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans of $375 each year, paying a total of $520 in interest.
  • The majority of payday loan borrowers are female, low-income, and have no college degree.

Apply Now

If you are in need of quick cash and considering a payday loan, TheGuaranteedLoans is here to help. As a connector service, we work with a network of potential lenders to help you find the loan that best fits your needs. Our online application process is quick and easy, and you will receive a lending decision within minutes.

Keep in mind that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. We are a connector service designed to help you find a lender that can provide you with the funds you need. If you are approved for a loan, you will work directly with the lender to finalize the terms and conditions of the loan.

Conclusion

Payday loans can be a helpful financial tool in certain circumstances, but they should be used with caution. Before applying for a payday loan, be sure to understand the terms and conditions, including the interest rates and fees. And if you need assistance finding a lender, TheGuaranteedLoans is here to help.

F.A.Q.

Are there any protections for borrowers in Galeton, Colorado when it comes to payday loans?

Yes, Colorado law requires lenders to provide clear and concise information about the terms and conditions of the payday loan, as well as any fees and interest rates. Borrowers also have the right to cancel the loan within 24 hours without incurring any additional charges.

Can I renew or extend my payday loan in Galeton, Colorado?

No, payday loans in Galeton, Colorado cannot be renewed or extended. Borrowers must pay off the loan in full by the due date.