Payday Loans in Mesa, Colorado

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

Company nameAddressZip codePhone number
LifetimeLender Team of Fairway Independent Mortgage FIMC 2289 1283 Kelly Johnson Blvd, Colorado Springs, CO 80920 +1 (720) 289 - 6385
Sooper Credit Union 2440 Patterson Rd, Grand Junction, CO 81505 +1 (970) 242 - 0123
Community Banks of Colorado 120 S Elizabeth St, Elizabeth, CO 80107 +1 (303) 646 - 5000
ACE Cash Express 3925 Academy Blvd N, Colorado Springs, CO 80917 +1 (719) 596 - 1166
Loan Stop 1390 S Colorado Blvd #140, Denver, CO 80222 +1 (303) 759 - 2274
First Southwest Bank 600 E 2nd Ave, Durango, CO 81301 +1 (970) 375 - 1100
Community Banks of Colorado 18601 Mainstreet, Parker, CO 80134 +1 (303) 841 - 5800
LibertyX Bitcoin ATM 6850 CO-165, Colorado City, CO 81019 +1 (800) 511 - 8940
National Loan Exchange 19751 Mainstreet, Parker, CO 80138 +1 (720) 612 - 7828
Great Western Bank 121 S Tejon St STE 110, Colorado Springs, CO 80903 +1 (719) 632 - 8801

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mesa, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Greeley, CO, Emergency Loan in Littleton, CO, Payday Loans in Longmont, CO, Payday Loans in Loveland, CO, Short-term Loans in Parker, CO, 24-Hour Loan in Pueblo, CO, Payday Loans in Westminster, CO and Payday Loans in Wheat Ridge, 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 Mesa, CO.

Beautiful sights of Mesa, CO

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

81643

Are Payday Loans Legal In Mesa, 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

Mesa, CO payday loan calculator

When unexpected expenses arise, sometimes you need cash fast. Payday loans are an option for those who need a short-term loan to cover unexpected expenses. In Mesa, Colorado, payday loans are legal, regulated by the Colorado Attorney General’s Office, and provide a viable option for those in need of quick cash.

What is a Payday Loan?

A payday loan is a type of short-term loan that is typically repaid on the borrower’s next payday. These loans are designed to provide quick access to cash to cover unexpected expenses or bills before your paycheck arrives. A payday loan, also known as a cash advance, can be an excellent option for those who need a small loan for a short period.

Payday loans are typically easy to obtain and require minimal credit checks or paperwork. They are an ideal choice for borrowers who have little to no credit history or those with bad credit. However, it is essential to understand that payday loans often come with high-interest rates and fees, making them a costly option for borrowers.

Important Regulations for Payday Loans in Mesa, Colorado

  • Payday loans have a maximum loan amount of $500 in Colorado
  • The maximum loan term is 40 days
  • The maximum interest rate for a payday loan is 36%
  • Lenders can charge a one-time origination fee of no more than $5, and a maintenance fee of up to $7.50 per $100 borrowed, per year
  • Borrowers are only allowed to have one rollover of the loan amount
  • Lenders must be licensed with the Colorado Attorney General’s Office

It is essential to understand these regulations before taking out a payday loan in Mesa, Colorado. The state regulates payday loans to protect consumers from predatory lending practices. Therefore, it is crucial to work with licensed and reputable lenders and to understand the terms of the loan fully.

Interesting Facts and Statistics about Payday Loans in Mesa, Colorado

  • In 2020, nearly 400,000 payday loans were issued in Colorado, with a total loan value of over $160 million.
  • The average payday loan in Colorado is $392.
  • Colorado’s annual percentage rate (APR) cap of 36% is one of the lowest in the nation.
  • The average APR for a payday loan in Colorado is 129.5%.

Payday loans can be an essential option for those in need of quick cash, but it is essential to work with a reputable and licensed lender and fully understand the terms and regulations of the loan. Always make sure to have a plan to repay the loan on time to avoid accumulating high-interest rates and fees.

Apply Now for a Payday Loan in Mesa, Colorado

TheGuaranteedLoans is a connector service that can help you connect with reputable, licensed lenders in Mesa, Colorado, quickly, and easily. Our online application form is user-friendly and straightforward. Simply fill out the form, and our team will match you with potential lenders to meet your needs. Remember: TheGuaranteedLoans is not a direct lender, but we can connect you with lenders that can offer fast and reliable cash loans for your immediate needs.

Final Thoughts

Payday loans in Mesa, Colorado, can be a convenient way to access quick cash in times of need. However, it is essential to remember that these loans come with high-interest rates and fees, so it is crucial to have a plan in place to pay them off on time. Working with a reputable and licensed lender is the key to success with payday loans. Apply now with TheGuaranteedLoans to find the right lender for your financial needs.

F.A.Q.

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

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

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

in Mesa, 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.