Payday Loans in Gilcrest, Colorado

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

Company nameAddressZip codePhone number
85 Auto Pawn/85 Towing 24 HRS 7853 US-85, Fort Lupton, CO 80621 +1 (303) 857 - 2686
Farm Credit of Southern Colorado - Monte Vista Lending Office 159 Washington St, Monte Vista, CO 81144 +1 (719) 852 - 3341
Wells Fargo Home Mortgage 320 S Lincoln Ave, Steamboat Springs, CO 80487 +1 (970) 879 - 8586
MidFirst Bank 105 Edwards Village Blvd Suite A-205, Edwards, CO 81632 +1 (970) 926 - 8600
Alpine Bank 1901 Pine Grove Rd Suite 101, Steamboat Springs, CO 80487 +1 (970) 871 - 1901
The District Credit Union 751 Chambers Rd, Aurora, CO 80011 +1 (303) 360 - 0987
Wells Fargo Bank 123 E Kiowa Ave, Fort Morgan, CO 80701 +1 (970) 867 - 5661
Residential Lending LLC 6901 S Pierce St 290, Littleton, CO 80128 +1 (303) 795 - 6025
New Money Express 901 E Colfax Ave, Denver, CO 80218 +1 (303) 830 - 2274
Bob Penkhus Mazda at Powers North 7455 Test Dr, Colorado Springs, CO 80923 +1 (719) 785 - 9666

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gilcrest, CO, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Denver, CO, 24-Hour Loan in Englewood, CO, Short-term Loans in Fort Collins, CO, Payday Loans in Grand Junction, CO, Guaranteed Loans in Greeley, CO, Emergency Loan in Littleton, CO, Payday Loans in Longmont, CO and Same Day 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 Gilcrest, CO.

Beautiful sights of Gilcrest, CO

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

80623

Are Payday Loans Legal In Gilcrest, 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

Gilcrest, CO payday loan calculator

The Ins and Outs of Payday Loans in Gilcrest, Colorado

If you’re considering taking out a payday loan in Gilcrest, Colorado, you’re not alone. Many Americans turn to these short-term loans as a way to cover emergency expenses or make ends meet between paychecks. But before you sign on the dotted line, it’s important to understand all the ins and outs of payday loans, including the laws and regulations surrounding them in Colorado.

What exactly is a payday loan, and how does it work?

A payday loan is a short-term loan designed to help you cover unexpected expenses between paychecks. Typically, these loans are due to be repaid in full on your next payday, hence the name “payday loan”. You’ll usually need to provide proof of income, bank account information, and identification in order to qualify for a payday loan. In exchange, you’ll receive cash or a direct deposit into your bank account in the amount of the loan, minus fees and interest.

It’s important to note that payday loans tend to come with high interest rates and fees, which is why they’re generally considered a last resort for borrowers who can’t qualify for other forms of credit.

Are payday loans legal in Colorado?

Yes, payday loans are legal in Colorado. However, the state has passed laws to protect consumers from predatory lending practices. Colorado limits the amount you can borrow to $500, and sets a maximum loan term of six months. Payday lenders are also required to be licensed with the state and to disclose all fees and rates associated with the loan.

What are the risks and benefits of payday loans?

As with any form of credit, payday loans come with both risks and benefits. On the one hand, they can provide quick and easy access to cash for those in need. This can be especially helpful for people with poor credit or who don’t have access to traditional forms of credit, such as credit cards or personal loans.

On the other hand, payday loans tend to come with high interest rates and fees. This means that borrowers who aren’t careful can end up owing much more than they originally borrowed, and may find themselves stuck in a cycle of debt as they take out new loans to repay existing ones.

What are my other options for borrowing money in Gilcrest, Colorado?

While payday loans can be a good option in some cases, they’re not the only way to get access to quick cash. Depending on your credit history and financial needs, you may be able to qualify for a personal loan, credit card, or line of credit from a traditional lender.

If you’re having trouble making ends meet due to unexpected expenses, you may also want to consider talking to a credit counseling agency or financial advisor. These professionals can help you create a budget, manage your debt, and find ways to improve your financial situation over time.

Apply Now with TheGuaranteedLoans

If you’re ready to apply for a payday loan in Gilcrest, Colorado, TheGuaranteedLoans can help. As a connector service, we work with a network of trusted lenders who can provide you with the funds you need, even if you have less-than-perfect credit. Simply fill out our online application to get started, and we’ll match you with lenders who can offer you competitive rates and terms. Remember, TheGuaranteedLoans is not a direct lender – we’re here to connect you with potential lenders. Apply today and get the cash you need to cover your emergency expenses!

Interesting Facts and Statistics about Payday Loans in Gilcrest, Colorado

  • Colorado has one of the most restrictive payday loan laws in the country
  • The maximum amount you can borrow is $500, and loans must be repaid within six months
  • Payday lenders in Colorado are required to be licensed with the state and to disclose all fees and rates associated with the loan
  • The average APR on a payday loan in Colorado is around 129%, according to the Colorado Attorney General’s office
  • Despite the state’s regulations, many Coloradans still find themselves trapped in a cycle of debt due to payday loans

F.A.Q.

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

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

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

in Gilcrest, 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.