Payday Loans in Shawnee, Colorado

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

Company nameAddressZip codePhone number
Community Banks of Colorado 330 S 12th St unit b, Montrose, CO 81401 +1 (970) 252 - 9076
Southern Colorado Economic Development District SCEDD 121 W City Center Dr, Pueblo, CO 81004 +1 (719) 545 - 8680
Sterling Federal Credit Union 822 W Main St, Sterling, CO 80751 +1 (970) 522 - 0111
Baird Private Wealth Management 1301 Canyon Blvd 220, Boulder, CO 80302 +1 (303) 413 - 3800
Raymond James Financial Services Aspen Airport Business111, Aspen Airport Business Center Suite Q, Aspen, CO 81611 +1 (970) 925 - 9560
Sunrise Financing 1690 S Federal Blvd, Denver, CO 80219 +1 (303) 954 - 8561
Routt Federal Credit Union 440 S Lincoln Ave B3, Steamboat Springs, CO 80487 +1 (970) 879 - 2723
Bank of the West 1105 S Townsend Ave, Montrose, CO 81401 +1 (970) 249 - 9667
Advance America 5050 S Federal Blvd #43, Englewood, CO 80110 +1 (303) 794 - 0303
Check Into Cash 12543 S. Parker Rd. (N. Co. 83), Suite 212, Parker, CO 80134 +1 (720) 842 - 5456

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Shawnee, CO

Are Payday Loans Legal In Shawnee, 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

Shawnee, CO payday loan calculator

Payday Loans in Shawnee, Colorado: An Overview

Payday loans are a type of short-term loan that can provide quick cash to individuals in need of immediate funds. In Colorado, payday loans are legal and can be a helpful solution for those who face unexpected expenses, such as medical bills or car repairs.

Shawnee, a town located in Colorado, is no exception to the popularity of payday loans. If you’re considering a payday loan in Shawnee, it’s important to understand how they work and the regulations surrounding them.

How Do Payday Loans Work?

Payday loans are typically for small amounts, ranging from $100 to $1,000. They’re intended to be repaid on the borrower’s next payday, usually within two to four weeks. To obtain a payday loan, the borrower must provide proof of income and a checking account.

The lender then provides the loan amount, minus their fees, in cash or deposits it into the borrower’s checking account. On the due date, the lender will withdraw the loan amount plus fees directly from the borrower’s checking account.

Regulations on Payday Loans in Shawnee, Colorado

Colorado’s regulations on payday loans are designed to protect consumers from predatory lending practices. Here are some of the most important regulations you need to know if you’re considering a payday loan in Shawnee:

  • Maximum loan amount: $500
  • Maximum loan term: 6 months
  • Maximum finance rate and fees: 20% of first $300, plus 7.5% of any amount over $300
  • Maximum APR: 36%

Note that Colorado law also prohibits lenders from rolling over loans or taking out multiple loans at once. This helps prevent borrowers from falling into a cycle of debt and high-interest rates.

Benefits and Risks of Payday Loans

Payday loans can be a helpful solution for individuals who need quick cash to cover unexpected expenses. They don’t require a credit check, making them accessible to those with poor credit scores.

However, payday loans also come with significant risks. They often have high-interest rates and fees, making them an expensive option for borrowing money. Additionally, failing to repay a payday loan on time can result in additional fees and damage to the borrower’s credit score.

Interesting Facts About Payday Loans in Shawnee, Colorado

  • In 2020, the average payday loan amount in Colorado was $392.31
  • Colorado’s Attorney General has taken legal action against several payday lenders in recent years for violating state regulations
  • In 2019, the state of Colorado received over 23,000 complaints related to payday loans and predatory lending practices

Apply Now

If you’re considering a payday loan in Shawnee, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of reputable lenders.

Remember, TheGuaranteedLoans is a connector service and not a direct lender. We aim to match you with the best loan option for your unique financial situation.

Apply now to see if you qualify for a payday loan in Shawnee, Colorado.

Note: As with any financial decision, it’s important to carefully consider your options and make an informed decision before taking out a payday loan.

F.A.Q.

Can I extend or renew my payday loan in Shawnee, Colorado?

No, payday loans in Shawnee, Colorado must be repaid within the specified timeframe and cannot be extended or renewed.

Are there any fees associated with payday loans in Shawnee, Colorado?

Yes, there may be fees associated with the loan, such as an origination fee or a late payment fee.