Payday Loans in Jamestown, Colorado

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

Company nameAddressZip codePhone number
FLEX Loan Services, llc 2529 N Lincoln Ave, Loveland, CO 80538 +1 (866) 510 - 3539
Advance America 1633 S Prairie Ave, Pueblo, CO 81005 +1 (719) 561 - 2336
First Southwest Bank 600 E 2nd Ave, Durango, CO 81301 +1 (970) 375 - 1100
ACE Cash Express 7243 Federal Blvd, Westminster, CO 80030 +1 (303) 428 - 5611
Great Western Bank 2100 N, Main St, Longmont, CO 80501 +1 (303) 772 - 0777
Janet Morley - Sr. Loan Officer: NOVA Home Loans 11080 Circle Point Rd 100, Westminster, CO 80020 +1 (720) 279 - 5983
Heritage Title Company 10 685 Marketplace Plaza Unit C, Steamboat Springs, CO 80487 +1 (970) 879 - 1611
Equitable Savings & Loan Association 888 Main St, Limon, CO 80828 +1 (719) 775 - 2842
Ace Loans 3060 S Academy Blvd, Colorado Springs, CO 80911 +1 (719) 390 - 6072
Paul Caylor - Prudent Wealth 2108 Milestone Dr Suite 202, Fort Collins, CO 80525 +1 (970) 225 - 6169

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Jamestown, CO

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

80455

Are Payday Loans Legal In Jamestown, 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

Jamestown, CO payday loan calculator

Payday Loans in Jamestown, Colorado: What You Need to Know

If you’re in a financial bind in Jamestown, Colorado, one option you might consider is a payday loan. Payday loans are a type of short-term loan that can help you cover unexpected expenses or bridge the gap between paychecks.

In this article, we’ll explore the world of payday loans in Jamestown, Colorado. We’ll cover what payday loans are, how they work, and why you might consider one. We’ll also discuss the Colorado laws surrounding payday lending, and give you some tips on what to look for in a lender.

What Are Payday Loans?

Payday loans are a type of short-term loan that are typically due on your next payday. They are often used to cover unexpected expenses, like car repairs or medical bills, or to bridge the gap between paychecks.

In Jamestown, Colorado, payday loans are legal and regulated. The state has specific laws in place to protect borrowers from predatory lending practices.

How Do Payday Loans Work?

To get a payday loan, you’ll typically need to provide proof of income, a form of identification, and your bank account information. You’ll fill out an application with a lender, and if you’re approved, you’ll receive your loan funds in the form of a check or direct deposit.

When the loan is due, typically on your next payday, the lender will cash the check or withdraw the funds directly from your bank account. If you’re unable to repay the loan on time, you may be subject to additional fees or interest charges.

Why Might You Consider a Payday Loan?

There are a few reasons why you might consider a payday loan in Jamestown, Colorado. Here are some of the most common:

  • You have an unexpected expense, like a car repair or medical bill, and need cash quickly.
  • You need to bridge the gap between paychecks and don’t have other sources of income or credit.
  • You have poor credit or a low income, and can’t get approved for a traditional loan or credit card.

Colorado Payday Lending Laws

Colorado has specific laws in place to regulate payday lending and protect borrowers from predatory practices. Here are some of the most important regulations:

  • Interest rates are capped at 36%. This is significantly lower than the interest rates on many payday loans in other states.
  • Lenders must be licensed by the state Division of Banking.
  • Lenders cannot roll over or renew loans more than once.
  • Lenders must disclose all fees and charges in writing.

What to Look for in a Payday Lender

When you’re considering a payday loan in Jamestown, Colorado, it’s important to do your research and choose a reputable lender. Here are some things to look for:

  • A lender that is licensed by the state Division of Banking.
  • A lender that discloses all fees and charges in writing, and doesn’t hide any information in the fine print.
  • A lender that has positive reviews from other borrowers.
  • A lender that offers clear repayment terms and doesn’t engage in aggressive collection practices.

Interesting Facts and Statistics About Payday Loans in Jamestown, Colorado

  • According to a 2016 study by the Colorado Attorney General’s office, the average annual percentage rate (APR) for a payday loan in Colorado is 129%. This is significantly lower than the national average APR for a payday loan, which is 391%.
  • As of 2021, there are over 200 licensed payday lenders in Colorado.
  • The most common loan size in Colorado is $500.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Jamestown, Colorado, TheGuaranteedLoans can help you find a lender. We are a connector service that can facilitate your connection with potential lenders.

The application process is simple and easy. Just fill out our online application form, and we’ll match you with lenders who may be able to offer you a loan. Remember, we’re not a direct lender – we’re a connector service that can help you find a lender more quickly and easily.

Conclusion

Payday loans can be a helpful tool if you’re in a financial bind in Jamestown, Colorado. However, it’s important to choose a reputable lender and understand the Colorado laws surrounding payday lending. With the information in this article, you’ll be better equipped to make an informed decision about whether a payday loan is right for you.

F.A.Q.

Are there any protections for borrowers in Jamestown, 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 Jamestown, Colorado?

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