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Payday Loans in Colorado — Laws, Limits & Online Lenders

Compare licensed payday lenders in Colorado. One application, multiple offers, no credit impact.

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2 Compare Offers
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Colorado Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 214%
Max Term 6 months minimum
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Colo. Rev. Stat. § 5-3.1
Note: Converted to installment loans since 2010 reform

How to Get a Payday Loan in Colorado

Getting a payday loan in Colorado is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Colorado-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Colorado Borrowers

  • Must be 18 years or older (resident of Colorado)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Colorado

Under Colo. Rev. Stat. § 5-3.1, payday lenders in Colorado may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Colorado may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Colorado and other state payday loan laws.

Payday Loans by City in Colorado

Select your city for local payday loan information, lender options, and Colorado regulations that apply to your area.

Denver Colorado Springs Aurora Fort Collins Lakewood Thornton Arvada Westminster Pueblo Centennial Boulder Greeley Longmont

Colorado Payday Loan FAQ

Are payday loans legal in Colorado?

Yes. Payday loans are legal in Colorado under Colo. Rev. Stat. § 5-3.1. Lenders must be licensed by the state banking regulator.

How much can I borrow in Colorado?

The maximum payday loan amount in Colorado is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Colorado?

The maximum APR for payday loans in Colorado is approximately 214%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Colorado?

Prohibited

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