Payday Loans in Jefferson, Colorado

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

Company nameAddressZip codePhone number
Academy Mortgage Durango 2243 Main Ave Suite 3, Durango, CO 81301 +1 (970) 382 - 2903
Legacy Bank University Park 730 Desert Flower Blvd, Pueblo, CO 81001 +1 (719) 562 - 1800
State Bank 124 Colorado Ave 1516, La Junta, CO 81050 +1 (719) 384 - 5901
Norwest Auto Sales, Inc. 330 N Circle Dr 6249, Colorado Springs, CO 80909 +1 (719) 632 - 5420
Waddell & Reed, Inc. - Financial Advisors 605 25 Rd Suite 201, Grand Junction, CO 81505 +1 (970) 243 - 4480
Wells Fargo Bank 119 S Mill St, Aspen, CO 81611 +1 (970) 925 - 2500
Lendmark Financial Services LLC 15025 E Mississippi Ave, Aurora, CO 80012 +1 (303) 751 - 7745
Advance America 15051 E Mississippi Ave, Aurora, CO 80012 +1 (303) 755 - 5626
Red Rock Home Loans 1076 Co Rd 72, Bailey, CO 80421 +1 (720) 924 - 0524
First Southwest Bank 2060 East Highway 112, Center, CO 81125 +1 (719) 754 - 9080

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jefferson, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Parker, CO, Payday Loans in Pueblo, CO, Same Day Loans in Westminster, CO, No Credit Check Loans in Wheat Ridge, CO, Payday Loans in Arvada, CO, Payday Loans in Aurora, CO, 24-Hour Loan in Boulder, CO and Emergency Loan 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 Jefferson, CO.

Beautiful sights of Jefferson, CO

Are Payday Loans Legal In Jefferson, 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

Jefferson, CO payday loan calculator

Payday Loans in Jefferson, Colorado

When unexpected expenses, emergencies or bills pop up, it can be difficult to come up with the needed cash quickly. This is where payday loans come in. Payday loans are typically small, short-term loans designed to help cover expenses until the borrower’s next payday. Colorado is one of the states where payday loans are legal and regulated. In this article, we will explore payday loans in Jefferson, Colorado and what you should know before applying.

How Do Payday Loans Work?

Payday loans work by giving borrowers a lump sum of cash, which is repaid on their next payday. Typically, borrowers must provide proof of income and a valid ID to be eligible for a payday loan. Lenders will also review the borrower’s credit history and current debts to determine if they are able to repay the loan.

The amount of the loan typically ranges from $100 to $1,000, depending on the borrower’s income and the lender’s policies. The loan must be paid back within a set amount of time, often within two weeks to a month.

Payday Loans in Jefferson, Colorado

In Colorado, payday loans are legal and regulated under Colorado Deferred Deposit Loan Act. This act requires lenders to be licensed and clearly disclose all terms and fees associated with the loan.

In Jefferson, Colorado, there are several payday loan options available. It is important to choose a lender that is reputable and transparent in their lending practices. TheGuaranteedLoans is a trusted connector service that can help match borrowers with potential lenders.

What You Should Know Before Applying for a Payday Loan

Payday loans can seem like a quick and easy solution for unexpected expenses, but they are not without risks. Before taking out a payday loan, it is important to consider the following:

  • High Interest Rates: Payday loans often come with high interest rates, which can make it difficult to repay the loan.
  • Short Repayment Terms: Payday loans must be repaid quickly, often within two weeks to a month. This can be challenging if you do not have the funds available.
  • Loan Rollovers: Some lenders may allow borrowers to rollover their loan, which can lead to additional fees and interest.
  • Impact on Credit Score: Late or missed payments on a payday loan can negatively impact your credit score.

Interesting Facts and Statistics about Payday Loans in Jefferson, Colorado

  • According to the Pew Charitable Trusts, about 12 million Americans use payday loans each year.
  • In 2018, Colorado borrowers took out an average of 216,000 payday loans, totaling $110.8 million in loans.
  • Colorado law requires lenders to offer extended repayment options to borrowers to prevent them from falling into a cycle of debt.

Apply Now

If you are in need of a payday loan in Jefferson, Colorado, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is fast and easy, and can help you get the funds you need quickly. Remember, we are a connector service and not a direct lender. We partner with reputable lenders who are licensed and comply with Colorado state laws. Apply now and take the first step towards getting the funds you need.

F.A.Q.

What are the penalties for not paying off a payday loan in Jefferson, Colorado?

If a borrower is unable to pay off a payday loan in Jefferson, Colorado, the lender may charge additional fees and interest. However, lenders are not allowed to pursue criminal action against borrowers for failing to pay off the loan.

Are there any alternatives to payday loans in Jefferson, Colorado?

Yes, borrowers in Jefferson, Colorado may be able to obtain a small loan from a credit union or bank, or seek assistance from a non-profit organization.