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Best Payday Loans in Colorado - Apply Online Now to Borrow Money Online with Money Zap!
If you are looking for quick payday loans, Colorado allows consumers from the state to borrow money to cover their urgent needs. Many lenders require that you have a job or receive income from another source, proving your ability to repay the loan within a short time frame.
The application process is quick and straightforward—no paperwork at all! Once you submit your online application, you will typically receive funding via direct deposit into your checking account as soon as the next business day. With these types of cash products, repayment terms are generally agreed upon upfront. So, the eligibility criteria are usually easier to meet compared to traditional bank loans.

Why Choose MoneyZap for Payday Loans in Colorado
- Fast Cash Online. We pride ourselves on a simple and fast process that gets you cash the same day.
- No Service Fees. Using our MoneyZap service to find the best payday loan company is 100% free.
- Vast Loan Provider Network. We have a huge network of the best payday loan providers that operate in Colorado.
- High Approval Rates. Our lending partners have simple qualification criteria, meaning even those with bad credit can be eligible for a loan.
How To Apply for Online Payday Loans in Colorado
- Apply Through Our Form The first step to legitimate and fast loans in Colorado is to visit our MoneyZap website to get started on your loan request. Just fill out the application form and enter all the necessary details, such as the maximum loan amount you’d like, your personal information, and your Colorado address. Once you complete the form and double-check that all the data is accurate, you can submit it.
- Let Us Review Your Application. We carefully inspect every request for Colorado cash advances. If the borrower meets the qualification requirements, we will match them with a direct lender from our network.
- Get an Offer. This next step is essential. This is where you get approved for quick cash by a lender if all the legal parameters are met. Once approved, you will receive an offer with all the important loan terms like payment schedule, interest rates, loan limit, and other charges. You should read them carefully to make sure you understand and agree with these terms.
- Receive the Cash Advance. If the credit presented seems like the right step to resolve your short-term financial needs, you can accept it by signing an e-agreement. Expect to receive the quick cash fast to your bank account the same day or the next business day, depending on when you applied.
In the state of Colorado, small loans like payday loans are legal. Payday loans, which are usually provided by third-party lenders registered in the state, are short-term cash advances that are repaid in one lump sum. Note that allowances made with financial assistance offered by the government, tribal governments, and other tribal lenders are not considered payday loans under deferred deposit loans in Colorado law.
Colorado residents can borrow a maximum of $500 from a lender. In many other states, borrowers may be able to take out up to $1,000 at a time; however, small loans in Colorado are capped at $500 at any given time to a consumer.
In most cases, payday lenders require borrowers to be at least 18 years old and a citizen of the United States. Many online payday loan companies also require that potential applicants have an active checking account. They also check whether the applicant has a job for a specific length of time before approving their payday loans in Colorado.
Of course, it is also important that you meet your lender's minimum requirements for income as well as employment status. Payday loan approval is based on the borrower's ability to repay the credit from their paycheck within 30 days or six months. Other payday loan requirements include borrowers not having any other open payday or installment loans with the same payday lender or another payday lender.
The annual percentage rate (APR) for a payday loan is based on the amount you borrow. Other factors include where you live and how much time you give yourself before repaying the money. In Colorado, the maximum APR for payday loans is 36%. The situation wasn’t always like this, and the state saw many predatory lending practices. So, legislators introduced this 36% APR cap in 2019 to protect Colorado consumers.
Yes, anyone can get a payday loan in Colorado as long as they meet the requirements. Even if applicants have bad credit or no credit history at all, they will still be considered. Having a source of income is the main factor MoneyZap’s lenders assess when approving loans, not credit score.
Some lenders require proof of employment or other ways the borrower has a steady income. This means that if you’re unemployed, you may not qualify for payday lending even if your credit is good enough. In this case, you can seek a traditional lending institution instead.
No, MoneyZap is not a payday provider for Colorado residents. Instead, this is a service that enables consumers from Colorado to find trusted payday lending companies. When you apply through us, we review your request and match you with the most suitable lender.
Our vast network of companies that accept consumers even with bad credit scores boasts high acceptance rates and utmost convenience. Still, the entire procedure, once you are matched with a lender, is between you and the loan provider. You get the money from that entity, and you also make payments to them.
Yes, our MoneyZap service is 100% free of charge. Colorado residents can apply through the form on our website without worrying about paying extra fees. Regardless of whether you are approved or rejected for a loan, we will never charge you anything.
Nobody can guarantee loan approval to those who apply for a Colorado payday loan. To qualify for loans in the state of Colorado, you must meet the minimum requirements set by the state and individual loan companies. Bad credit or no credit history is typically not a roadblock; however, applicants without regular income may be rejected. Our lending partners have flexible loan agreement terms that boast solid acceptance rates. Yet, that doesn’t mean that every application gets a green light.
Besides Colorado payday loans, consumers can look into personal, installment, and car title loans. Title loans are considered secured credit, which will require the title of your vehicle as collateral until the repayment of your debt.
Borrowers must understand their state’s laws and regulations regarding installment loans. These installment credits are different from typical payday loans as they involve more than one payment each month, with interest included in each payment. On the other hand, payday lending requires the consumer to pay the loan back in full with their next paycheck.
They generally do not, but they may use credit scores to determine the maximum borrowed amount. When applying for a payday loan online in CO, it is based on your monthly income rather than your credit score. Lenders in MoneyZap’s network perform soft credit checks to verify outstanding balances, not impacting your credit score.
Loan repayment cannot be less than six months because that’s the minimum term dictated by state regulation. There’s no cap on the maximum credit term, which allows you to negotiate this with the cash lending company. When taking out a loan, the consumer must pay back the money borrowed plus finance charges (interest). If you fail to repay your payday loan on time and in full, you may incur overdraft fees from your bank. Namely, the creditor may tap into your checking account for payment.
Well, it’s hard to tell right away because the answer depends on many circumstances. Payday providers in the state have the right to apply a finance charge that doesn’t exceed an APR of 36%. Paying back the credit earlier qualifies you for a refund. Many states strictly regulate all the other costs that a lender may impose.
In Colorado, only the annual interest rate is regulated.
We can use this information to calculate the interest you will pay on a $500 loan with a minimum term of 180 days.
36% APR 365 days = 0.0986301369863014 180 days = 17.75%
17.75% $500 = $88.75
So, your costs will be $88.75 if you get the maximum loan amount with the minimum loan term in the state. Keep your eyes open for any additional handling or banking fees that the lending partner may mention in the cash advance loans offer.
In Colorado, a payday lender cannot loan more than $500 or finance more than 36% of your gross monthly income at a time. Therefore, you will have to repay your original outstanding debt before taking out a new one. Consumers are also limited to a 30-day cooling-off period between loans in Colorado due to state laws.
Yes and no. A lender may rollover (renew) a payday loan once for an additional fee. Then, the total amount the borrower owes after the rollover (renewal) is due in full on their next payday. You may not be able to get another loan from the same lender until you pay back the debt in full. Nonetheless, under the latest regulations, technically, you are allowed a single rollover.
There are no laws in Colorado that prohibit lenders from reporting to credit agencies or suing if you default on your cash advance. Nevertheless, some companies may work with you should the need arise. Reputable payday lenders have provisions for working with customers experiencing hardship due to unemployment or other unexpected financial issues.
If you’re looking for quick money to cover your car repairs, medical expenses, or utility bills, then payday loans in Colorado are often the easiest way to get funding. These are types of cash advances you take out without having your credit checked by lenders.
Even if you have bad credit, you may still qualify for a loan depending on your lender’s requirements. Online lenders consider borrowers with low FICO scores, charge-offs, collections, delinquent accounts, or other types of adverse history when deciding whether to approve their application.
Borrow Money all Across the Colorado with MoneyZap
Agate | Aguilar | Akron | Alamosa |
Allenspark | Alma | Almont | Amherst |
Anton | Antonito | Arapahoe | Arboles |
Arlington | Arriba | Arvada | Aspen |
Atwood | Ault | Aurora | Austin |
Avon | Avondale | Bailey | Basalt |
Battlement Mesa | Bayfield | Bedrock | Bellvue |
Bennett | Berthoud | Bethune | Beulah |
Black Hawk | Blanca | Boncarbo | Bond |
Boone | Boulder | Branson | Breckenridge |
Briggsdale | Brighton | Broomfield | Brush |
Buena Vista | Buffalo Creek | Burlington | Burns |
Byers | Cahone | Calhan | Campo |
Canon City | Capulin | Carbondale | Carr |
Cascade | Castle Rock | Cedaredge | Centennial |
Central City | Chama | Cheraw | Cheyenne Wells |
Chimney Rock | Chromo | Cimarron | Clark |
Clifton | Climax | Coal Creek | Coaldale |
Coalmont | Collbran | Colorado City | Colorado Springs |
Commerce City | Como | Conejos | Conifer |
Cope | Cortez | Cory | Cotopaxi |
Cowdrey | Craig | Crawford | Creede |
Crested Butte | Crestone | Cripple Creek | Crook |
Crowley | Dacono | De Beque | Deer Trail |
Del Norte | Delta | Denver | Dillon |
Dinosaur | Divide | Dolores | Dove Creek |
Drake | Dumont | Dupont | Durango |
Eads | Eagle | Eastlake | Eaton |
Eckert | Eckley | Edwards | Egnar |
Elbert | Eldorado Springs | Elizabeth | Empire |
Englewood | Erie | Estes Park | Evans |
Evergreen | Fairplay | Firestone | Flagler |
Fleming | Florence | Florissant | Fort Collins |
Fort Garland | Fort Lupton | Fort Lyon | Fort Morgan |
Fountain | Fowler | Franktown | Fraser |
Frederick | Frisco | Fruita | Galeton |
Garcia | Gardner | Gateway | Genoa |
Georgetown | Gilcrest | Gill | Glade Park |
Glen Haven | Glenwood Springs | Golden | Granada |
Granby | Grand Junction | Grand Lake | Granite |
Grant | Greeley | Green Mountain Falls | Grover |
Guffey | Gunnison | Gypsum | Hamilton |
Hartman | Hartsel | Hasty | Haswell |
Haxtun | Hayden | Henderson | Hereford |
Hesperus | Hillrose | Hillside | Hoehne |
Holly | Holyoke | Homelake | Hooper |
Hot Sulphur Springs | Hotchkiss | Howard | Hudson |
Hugo | Hygiene | Idaho Springs | Idalia |
Idledale | Ignacio | Iliff | Indian Hills |
Jamestown | Jaroso | Jefferson | Joes |
Johnstown | Julesburg | Karval | Keenesburg |
Kersey | Kim | Kiowa | Kirk |
Kit Carson | Kittredge | Kremmling | La Jara |
La Junta | La Salle | La Veta | Lafayette |
Lake City | Lakewood | Lamar | Laporte |
Larkspur | Las Animas | Lazear | Leadville |
Lewis | Limon | Lindon | Littleton |
Livermore | Log Lane Village | Loma | Longmont |
Louisville | Louviers | Loveland | Lucerne |
Lyons | Mack | Manassa | Mancos |
Manitou Springs | Manzanola | Marvel | Masonville |
Matheson | Maybell | Mc Clave | Mc Coy |
Mead | Meeker | Meredith | Merino |
Mesa | Mesa Verde National Park | Milliken | Minturn |
Model | Moffat | Molina | Monarch |
Monte Vista | Montrose | Monument | Morrison |
Mosca | Nathrop | Naturita | Nederland |
New Castle | New Raymer | Niwot | Norwood |
Nucla | Nunn | Oak Creek | Ohio City |
Olathe | Olney Springs | Ophir | Orchard |
Ordway | Otis | Ouray | Ovid |
Padroni | Pagosa Springs | Palisade | Palmer Lake |
Paoli | Paonia | Parachute | Paradox |
Parker | Parlin | Parshall | Peetz |
Penrose | Peyton | Phippsburg | Pierce |
Pine | Pinecliffe | Pitkin | Placerville |
Platteville | Pleasant View | Poncha Springs | Powderhorn |
Pritchett | Pueblo | Ramah | Rand |
Rangely | Red Cliff | Red Feather Lakes | Redvale |
Rico | Ridgway | Rifle | Rockvale |
Rocky Ford | Roggen | Rollinsville | Romeo |
Rush | Rye | Saguache | Salida |
San Luis | San Pablo | Sanford | Sargents |
Sedalia | Sedgwick | Seibert | Severance |
Shawnee | Sheridan Lake | Silt | Silver Plume |
Silverthorne | Silverton | Simla | Slater |
Snowmass | Snowmass Village | Snyder | Somerset |
South Fork | Springfield | Steamboat Springs | Sterling |
Stoneham | Strasburg | Stratton | Sugar City |
Swink | Tabernash | Thornton | Timnath |
Toponas | Towaoc | Trinchera | Trinidad |
Twin Lakes | Two Buttes | U S A F Academy | Vail |
Vernon | Victor | Vilas | Villa Grove |
Vona | Walden | Walsenburg | Walsh |
Ward | Watkins | Weldona | Wellington |
Westcliffe | Westminster | Weston | Wetmore |
Wheat Ridge | Whitewater | Wiggins | Wild Horse |
Wiley | Windsor | Winter Park | Wolcott |
Woodland Park | Woodrow | Woody Creek | Wray |
Yampa | Yellow Jacket | Yoder | Yuma |