Payday Loans in Whitewater, Colorado

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

Company nameAddressZip codePhone number
Premier Members Credit Union 2921 W 120th Ave 100, Westminster, CO 80234 +1 (303) 657 - 7000
Dinero Y Seguros Summit Pl, Silverthorne, CO 80498 +1 (970) 468 - 2110
Citywide Banks 1744 Miner St, Idaho Springs, CO 80452 +1 (303) 567 - 2696
Cornerstone Home Lending, Inc. - Steamboat Springs 326 Oak St, Steamboat Springs, CO 80477 +1 (970) 879 - 0996
Budget Control Services 2950 S Jamaica Ct 200, Aurora, CO 80014 +1 (303) 368 - 1500
FNBO - First National Bank of Omaha 1600 E Bridge St, Brighton, CO 80601 +1 (303) 926 - 6371
Cash Fast Inc 632 17th Ave, Longmont, CO 80501
FirstBank 30770 Stagecoach Blvd, Evergreen, CO 80439 +1 (303) 679 - 1000
Quik Cash 2029 S Pueblo Blvd #120, Pueblo, CO 81005 +1 (719) 566 - 0171
ACE Cash Express 630 N 19th St, Colorado Springs, CO 80904 +1 (719) 634 - 2407

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Whitewater, CO, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Parker, CO, Payday Loan Without a Credit Check in Pueblo, CO, Payday Loans in Westminster, CO, Payday Loans in Wheat Ridge, CO, Payday Loans in Arvada, CO, No Credit Check Loans in Aurora, CO, Payday Loans in Boulder, CO and Payday Loans 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 Whitewater, CO.

Beautiful sights of Whitewater, CO

Are Payday Loans Legal In Whitewater, 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

Whitewater, CO payday loan calculator

Payday Loans in Whitewater, Colorado: What You Need to Know

Are you looking to take out a payday loan in Whitewater, Colorado? Payday loans are legal in Colorado, but it’s important to understand the regulations and risks before you apply. In this article, we’ll cover the basics of payday loans in Whitewater, as well as some tips for finding a reputable lender and managing your loan responsibly.

What is a payday loan?

A payday loan is a short-term loan that typically must be repaid on your next payday. These loans are designed to provide quick cash to cover unexpected expenses or bridge the gap until your next paycheck. They are also often referred to as cash advances or paycheck loans.

How do payday loans work in Colorado?

In Colorado, payday loans are regulated under the Colorado Deferred Deposit Loan Act. The maximum loan amount is $500, and lenders can charge up to 20% in interest and fees.

Lenders are also required to provide borrowers with a repayment plan that extends over at least six months. This plan must include equal installment payments and allow borrowers to repay the loan in full without incurring additional fees or charges.

Additionally, lenders must be licensed by the Colorado Attorney General’s office and follow strict guidelines regarding loan terms and disclosures.

What are the risks of payday loans?

While payday loans can be a useful tool for managing unexpected expenses, they also come with significant risks. One of the biggest risks is the high cost of borrowing. With interest rates and fees of up to 20%, a payday loan can quickly become expensive if you’re unable to repay it on time.

Another risk is the cycle of debt that can occur with payday loans. If you’re unable to repay your loan on time, many lenders will offer to roll the loan over for an additional fee. This can lead to a cycle of debt where you’re constantly paying fees and interest without making any progress towards repaying the loan.

How can I find a reputable payday lender in Whitewater?

When searching for a payday lender in Whitewater, it’s important to do your research and choose a reputable lender. Look for lenders that are licensed by the Colorado Attorney General’s office and have positive reviews from previous customers. You can also check with the Better Business Bureau to see if there have been any complaints filed against the lender.

Be wary of lenders that offer loans with no credit check or that require an upfront fee. These are often signs of a scam or a predatory lender that can lead to significant financial harm.

Managing your payday loan responsibly

If you do decide to take out a payday loan in Whitewater, it’s important to manage your loan responsibly. This means making your payments on time and avoiding the cycle of debt that can occur with these types of loans.

One way to manage your loan is to create a budget that includes your loan repayment plan. This will help you stay on track and ensure that you have enough money to repay your loan when it’s due.

Another option is to request a loan extension or repayment plan from your lender if you’re struggling to make payments. Many lenders will work with borrowers to find a solution that works for both parties.

Interesting Facts and Statistics about Payday Loans in Whitewater, Colorado

  • In 2015, Colorado enacted tougher regulations on payday loans, including a requirement for lenders to offer installment repayment plans.
  • The average payday loan in Colorado is $392, with interest and fees totaling $45 per loan.
  • Payday loans are most commonly used to cover unexpected expenses, such as car repairs or medical bills.
  • According to a survey by the Colorado Attorney General’s Office, 45% of borrowers reported taking out a payday loan to cover basic expenses like rent or groceries.

Apply Now for a Payday Loan in Whitewater, Colorado

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a simple and secure online application process for payday loans in Whitewater and throughout Colorado.

Our network of lenders includes licensed, reputable lenders that follow all Colorado regulations and guidelines. When you apply with TheGuaranteedLoans, you can feel confident that you’re working with a trusted connector service that puts your financial needs first.

Remember, a payday loan can be a useful tool for managing unexpected expenses, but it’s important to choose a reputable lender and manage your loan responsibly. Apply now and get the cash you need to cover your expenses.

F.A.Q.

Can I apply for a payday loan online in Whitewater, Colorado?

Yes, many payday lenders in Whitewater, Colorado offer the option to apply for a loan online. However, borrowers must still meet the same requirements and follow the same regulations as with in-person loans.

Are there any laws regulating payday lenders in Whitewater, Colorado?

Yes, payday lenders in Whitewater, Colorado must be licensed by the state and are subject to certain regulations, such as limits on fees and interest rates. These laws are in place to protect borrowers from predatory lending practices.