Payday Loans in Aguilar, Colorado

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

Company nameAddressZip codePhone number
Independent Financial 2700 47th Ave, Greeley, CO 80634 +1 (970) 454 - 4133
Check Into Cash 215 S Sligo St Unit 8, Cortez, CO 81321 +1 (970) 565 - 2425
United States Postal Service 80 Highway 491, Dove Creek, CO 81324 +1 (800) 275 - 8777
Lendmark Financial Services LLC 5951 N Elizabeth St, Pueblo, CO 81008 +1 (719) 584 - 3673
Dinero Y Seguros Summit Pl, Silverthorne, CO 80498 +1 (970) 468 - 2110
Bank of the San Juans - Division of Glacier Bank 319 Main St, Oak Creek, CO 80467 +1 (970) 736 - 8500
Loan Stop 1390 S Colorado Blvd #140, Denver, CO 80222 +1 (303) 759 - 2274
Envoy Mortgage 501 St Vrain Ln #101, Estes Park, CO 80517 +1 (970) 577 - 9200
Premier Farm Credit 229 S 3rd St, Sterling, CO 80751 +1 (970) 522 - 2330
Southeast Colorado Small Business Development Center SCORE Center McDivitt Hall, La Junta, CO 81050 +1 (719) 384 - 6959

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Aguilar, CO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Denver, CO, Guaranteed Loans in Englewood, CO, Payday Loan for Fort Collins, CO, Payday Loans in Grand Junction, CO, Guaranteed Loans in Greeley, CO, Payday Loan Without a Credit Check in Littleton, CO, Payday Loans in Longmont, CO and Online 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 Aguilar, CO.

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

81020

Are Payday Loans Legal In Aguilar, 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

Aguilar, CO payday loan calculator

Advise to read before applying

Payday Loans in Aguilar, Colorado: A Comprehensive Guide

If you’re facing a financial emergency in Aguilar, Colorado, you might be considering taking out a payday loan. While these types of loans can be a helpful option in certain situations, it’s important to understand the terms and potential risks before making a decision.

In this guide, we’ll cover everything you need to know about payday loans in Aguilar, Colorado, from their legality to the application process.

What are Payday Loans?

Payday loans are short-term loans designed to help borrowers cover unexpected expenses until their next paycheck. These loans typically have high interest rates and fees and are due to be repaid on the borrower’s next payday.

While payday loans can be a helpful option in some situations, they can also be risky if not used responsibly. If a borrower is unable to repay the loan on time, they may face additional fees and interest charges, and their credit score could be negatively impacted.

Are Payday Loans Legal in Aguilar, Colorado?

Yes, payday loans are legal in Colorado, including in the town of Aguilar. However, there are several regulations in place to protect borrowers and ensure they are able to repay their loans.

Under Colorado law, payday loans must be structured as installment loans rather than single-payment loans. This means borrowers have more time to repay the loan and are not required to repay it in full on their next payday.

Additionally, the maximum loan amount in Colorado is $500, and lenders cannot charge more than 36% APR (annual percentage rate) on loans with terms of six months or less.

Applying for a Payday Loan in Aguilar, Colorado

If you’re considering taking out a payday loan in Aguilar, Colorado, there are several steps you’ll need to take in order to apply:

  • Research lenders: Before applying for a payday loan, it’s important to research potential lenders to find one that offers competitive interest rates and fair terms.
  • Gather necessary documents: Most payday lenders will require proof of income, such as recent pay stubs or bank statements, as well as proof of identity. Make sure you have these documents on hand before applying.
  • Fill out an application: You’ll typically need to fill out a brief application providing personal and financial information. Some lenders may also require a credit check.
  • Review and sign the loan agreement: If you’re approved for a loan, make sure to review the loan agreement carefully before signing. This will detail the terms of the loan, including the interest rate, fees, and repayment schedule.

Risks and Considerations

While payday loans can be a helpful option in certain situations, there are several risks and considerations to keep in mind:

  • High interest rates and fees: Payday loans typically come with high interest rates and fees, meaning you’ll end up paying more for the loan than you borrowed.
  • Potential for debt trap: If you’re unable to repay the loan on time, you may be hit with additional fees and interest charges, potentially leading to a debt trap.
  • Negative impact on credit score: If you miss payments or default on a payday loan, it can negatively impact your credit score and make it harder to obtain credit in the future.

Interesting Facts and Statistics

  • According to a recent study, the average payday loan borrower takes out eight loans per year, with an average loan amount of $375.
  • In Colorado, the number of payday loans taken out per year has decreased by 53% since 2010, likely due to increased regulations and consumer awareness.
  • While payday loans are legal in Colorado, they are banned in several other states, including Arizona, Arkansas, and Georgia.

Apply Now

If you’re in need of a payday loan in Aguilar, Colorado, TheGuaranteedLoans can help connect you with potential lenders. Our streamlined application process takes just a few minutes to complete, and we’ll work to match you with a lender that offers competitive rates and fair terms.

Remember, we are a connector service and not a direct lender. We do not make credit decisions and do not have any control over the loan terms offered by potential lenders. Make sure to carefully review the terms of any loan before accepting it.

Apply for a payday loan today and get the financial help you need.

F.A.Q.

What happens if I am unable to repay my payday loan in Aguilar, Colorado?

If you are unable to repay your loan, you should contact your lender immediately to discuss potential options. Failing to repay a payday loan can result in negative consequences such as credit damage or legal action.

Are payday loans regulated in Aguilar, Colorado?

Yes, payday lending is regulated in Aguilar, Colorado and lenders must follow certain rules and guidelines.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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