Payday Loans in Orchard, Colorado

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

Company nameAddressZip codePhone number
Cornerstone Home Lending, Inc. 1271 Kelly Johnson Blvd 220, Colorado Springs, CO 80920 +1 (719) 960 - 4433
Fairway Independent Mortgage Corporation 500 Coffman St Suite 208, Suite 208, Longmont, CO 80501 +1 (303) 929 - 2634
KeyBank 4535 Milestone Ln, Castle Rock, CO 80104 +1 (303) 663 - 5340
Loan Stop 2647 8th Ave c, Greeley, CO 80631 +1 (970) 336 - 0200
Checkmate 9500 E Hampden Ave # A, Denver, CO 80231 +1 (720) 213 - 0260
Paragon Financial Investors 601 N Nevada Ave, Colorado Springs, CO 80903 +1 (719) 447 - 9600
Community Banks of Colorado 313 Chambers Ave ste a ste a, Eagle, CO 81631 +1 (970) 328 - 2274
Security Capital Funding Corporation 3535 S Sherman St, Englewood, CO 80113 +1 (303) 761 - 7733
Independent Financial 101 Centennial Dr, Bennett, CO 80102 +1 (303) 622 - 2554
Vectra Bank - Montrose 1200 S Townsend Ave, Montrose, CO 81401 +1 (970) 249 - 6732

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Orchard, CO

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

80649

Are Payday Loans Legal In Orchard, 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

Orchard, CO payday loan calculator

Payday Loans in Orchard, Colorado

Payday loans are a popular form of short-term lending that is available in Orchard, Colorado. These loans offer quick access to funds for individuals in need of cash between paychecks or for emergency expenses. It’s important to understand the laws and regulations surrounding payday lending in Colorado before deciding to take out a payday loan. This article will provide an overview of payday loans in Orchard, Colorado, the laws that govern them and how to apply for one.

What are Payday Loans?

A payday loan is a type of short-term lending that is intended to cover expenses until the borrower’s next paycheck. These loans typically have high interest rates and fees, making them an expensive option for borrowing money. The loan amount is usually based on the borrower’s income and credit history and is due on the date of their next paycheck.

Benefits of Payday Loans

Payday loans can be beneficial for individuals who need quick cash for emergency expenses. These loans are often easier to qualify for than traditional loans and can be obtained quickly, making them ideal for individuals who need cash quickly. Additionally, payday loans can help individuals avoid late fees and other penalties associated with missing payments on bills or other expenses.

The Risks of Payday Loans

Payday loans can also be risky for borrowers. The high interest rates and fees associated with these loans can make them expensive, especially if the borrower is unable to repay the loan on time. This can lead to a cycle of debt, where the borrower takes out additional payday loans to cover the cost of the original loan, leading to a cycle of recurring debt.

Payday Loan Regulations in Colorado

In Colorado, payday loans are legal and are regulated by the Colorado Uniform Consumer Credit Code. Some of the regulations governing payday loans in Colorado include:

  • Maximum loan amount: $500
  • Maximum loan term: 40 days
  • Maximum finance charge: 20% of the loan amount
  • Annual percentage rate (APR): 45%

Other Regulations

In addition to these regulations, lenders must also provide borrowers with a loan disclosure statement that outlines the terms and fees associated with the loan. Lenders are also required to disclose the APR associated with the loan and provide borrowers with a 24-hour cooling-off period.

How to Apply for a Payday Loan in Orchard, Colorado

Applying for a payday loan in Orchard, Colorado is a simple process. Borrowers must provide proof of income and identification, as well as a personal check or bank account information. The lender will then provide the borrower with the loan amount, which is due on the next payday.

Apply Now with TheGuaranteedLoans

If you’re interested in applying for a payday loan in Orchard, Colorado, TheGuaranteedLoans can help. We are a connector service that works with a network of lenders who provide payday loans in Orchard and throughout Colorado. Our application process is simple and can be completed online from the comfort of your own home. We connect borrowers with lenders who offer competitive rates and fees, making it easier to find a loan that meets your needs.

Note that TheGuaranteedLoans is not a direct lender and does not make lending decisions. Our role is to connect you with potential lenders who may be able to provide you with a payday loan. It’s important to read the terms of any loan agreement carefully and to ensure that you understand the terms and fees associated with the loan before signing.

Interesting Facts and Statistics About Payday Loans in Orchard, Colorado

Did you know that the average payday loan in Colorado is $392? Or that in 2019, the volume of payday loans in Colorado was $1.5 billion? These statistics show that payday loans are a popular form of lending in Colorado and can help individuals bridge the gap between paychecks or cover emergency expenses. However, it’s important to understand the risks associated with these loans and to ensure that you’re able to repay the loan on time to avoid additional fees and charges.

Conclusion

Payday loans are a popular form of short-term lending in Orchard, Colorado and throughout Colorado. While these loans can provide quick access to cash, they are also expensive and can lead to a cycle of debt if not managed carefully. It’s important to understand the laws and regulations surrounding payday lending in Colorado before deciding to take out a payday loan. TheGuaranteedLoans can help connect you with potential lenders who offer competitive rates and fees for payday loans in Orchard, Colorado.

F.A.Q.

What are the eligibility requirements for payday loans in Orchard, Colorado?

Applicants must be at least 18 years old and have a regular source of income.

Is there a limit on the amount I can borrow with a payday loan in Orchard, Colorado?

The maximum amount that can be borrowed is $500.