Payday Loans in Trinchera, Colorado

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

Company nameAddressZip codePhone number
Cash in a Flash Pawn 313 S Wilcox St ste a, Castle Rock, CO 80104 +1 (303) 663 - 8900
Otero County Teachers Federal Credit Union 316 Santa Fe Ave, La Junta, CO 81050 +1 (719) 384 - 7488
PARKER PAWNSHOP 11881 N Hwy 83 2, Parker, CO 80134 +1 (303) 931 - 5177
Wells Fargo Home Mortgage 1801 13th St Suite 200, Boulder, CO 80302 +1 (303) 541 - 2074
Credit Union of the Rockies 91 E Agate Ave, Granby, CO 80446 +1 (303) 273 - 5200
Bank of the West 303 Main St, Lyons, CO 80540 +1 (303) 823 - 9800
Ascendant Title - Winter Park 21 Kings Crossing Rd Unit 101, Winter Park, CO 80482 +1 (303) 801 - 0530
Alpine Bank 82 Sipprelle Dr, Battlement Mesa, CO 81635 +1 (970) 285 - 7100
Farm Credit of Southern Colorado - Colorado Springs Lending Office 5110 Edison Ave, Colorado Springs, CO 80909 +1 (719) 570 - 1087
Bryan Dean American Family Insurance 925 S Niagara St, Denver, CO 80224 +1 (720) 339 - 8705

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Trinchera, 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

Trinchera, CO payday loan calculator

Living paycheck to paycheck can be a challenge, especially when unexpected expenses come your way. In Trinchera, Colorado, payday loans are a legal option that can help bridge the gap between paydays. If you’re considering a payday loan, it’s important to have a clear understanding of how they work, the regulations surrounding them, and how to find a reputable lender.

What are payday loans?

Payday loans are a short-term borrowing option that allows borrowers to receive a small loan to cover immediate expenses. These loans are typically due on the borrower’s next payday and can range from a few hundred to a few thousand dollars.

Because payday loans are meant to be a short-term solution to a financial problem, the interest rates and fees associated with them can be quite high. In Colorado, the maximum loan amount is $500, and lenders cannot charge an interest rate of more than 36%. Additionally, lenders are prohibited from charging any additional fees, including finance fees, credit report fees, and origination fees.

How do payday loans work in Trinchera, Colorado?

To obtain a payday loan in Trinchera, borrowers must be at least 18 years old and have a valid checking account. Lenders will also require proof of income to ensure that the borrower is capable of repaying the loan. Colorado law requires that lenders verify a borrower’s income and expenses to determine their ability to repay the loan.

Once approved, borrowers can receive their loan amount in cash, on a prepaid debit card, or through direct deposit into their bank account. The loan amount and fees will be due on the borrower’s next payday, and if they are unable to repay the loan, the lender may charge additional fees and interest or enter the loan into collections.

Regulations for payday loans in Trinchera, Colorado

While payday loans are legal in Colorado, the state has taken measures to protect consumers from predatory lending practices. As mentioned earlier, lenders cannot charge interest rates of more than 36% or additional fees beyond that allowed by law. Additionally, lenders must have a valid license to operate in Colorado, and the state maintains a database of licensed lenders.

If you believe a payday lender has violated Colorado’s lending laws, you can file a complaint with the Colorado Attorney General’s Office.

Finding a reputable payday loan lender in Trinchera, Colorado

It’s important to do your research before selecting a payday loan lender. Look for lenders who are licensed in Colorado and have a reputation for reasonable interest rates and fair lending practices. You can also check the Colorado Attorney General’s database of licensed lenders to ensure a lender’s legitimacy.

If you’re unsure about a lender or a loan offer, take the time to read the terms and conditions carefully. Ask questions about interest rates, fees, and repayment schedules before accepting a loan offer. Only borrow what you need and be sure you can repay the loan on the due date to avoid additional fees and interest.

Interesting facts and statistics about payday loans in Trinchera, Colorado

  • In Colorado, the average payday loan is $392.
  • In 2019, Coloradans took out 414,284 payday loans, totaling more than $166 million in borrowing.
  • While most borrowers in Colorado pay off their payday loans on time, some borrowers can end up in a cycle of borrowing and repayment that can lead to significant fees and interest charges.

Apply now for a payday loan in Trinchera, Colorado

If you find yourself in need of a payday loan in Trinchera, Colorado, TheGuaranteedLoans is here to help. Our online application process is quick, secure, and easy to navigate. We partner with licensed lenders in Colorado who offer competitive interest rates and fair lending terms. As a connector service, we can help you find a lender that meets your needs without the hassle of traditional borrowing.

Don’t let unexpected expenses derail your finances. Apply now for a payday loan with TheGuaranteedLoans and get the funds you need to stay on top of your bills. Remember to borrow responsibly and always repay your loan on time to avoid additional fees and interest.

F.A.Q.

What happens if I can't repay my payday loan in Trinchera, Colorado?

If you are unable to repay your payday loan in Trinchera, Colorado, the lender may take legal action to collect the debt. It is important to contact the lender as soon as possible to discuss your options.

Are there any laws to protect me as a borrower of payday loans in Trinchera, Colorado?

Yes, in Trinchera, Colorado there are laws in place to protect borrowers of payday loans. These include a limit on the number of loans that can be taken out at once and a requirement for lenders to provide borrowers with information about their rights and options.