Colorado Payday Loans | Cash Day USA

Name: Cash Day USA — Colorado
Telephone: (720) 428-2247
Price range: $
Rating: 4.8

Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in Colorado:

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Government-issued photo identification

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Government-issued photo identification

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Details of an active checking account

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Recent pay stub or income verification documentation

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Proof of Florida residency

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Valid email address and phone number

Process

How to Get a Payday Loan in Colorado

Applying through Cash Day USA is a quick, simple, and secure process:

Submit Your Application

Fill out an easy online form or visit our nearest Colorado location. It takes about 5 minutes with no lengthy paperwork required.

Receive a Loan Decision

Applications are reviewed in minutes. We assess your income and repayment ability — no hard credit check required. You'll know if you qualify almost instantly.

Get the Funds

Upon approval, the money is deposited directly into your bank account the same day or next business day. In-store applicants can receive cash immediately.

*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.

Locations

Our Locations in Colorado

We deliver emergency assistance across the state. Visit the nearest location to get a payday loan in Colorado:

📍 Boulder, CO ★ 4.8 (0)

2770 Canyon Blvd, 80302
80302

(720) 428-2247

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 Denver, CO ★ 4.8 (0)

1001 S Monaco St Pkwy ste 220, 80224
80224

(720) 780-9252

Payday Loans Installment Loans

View Location Details → Visit Store →

Rates & Terms

Colorado Rates & Terms

Payday loans in Colorado are regulated with specific limits and protections. The maximum loan amount is $500 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 17% APR cap.

Finance Charge	APR (14-day)	APR (31-day)
$3.00/mo	36%	36%
$7.50/mo	36%	36%
$12.50/mo	36%	36%

Protection

How Colorado Laws Protect You

Colorado law and state regulations are designed to give borrowers important protections:

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APR is strictly capped at 36% annually by Colorado law.

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Minimum repayment period of 6 months — no more predatory 14-day balloon payments.

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Origination fee is capped at 20% of the first $300 borrowed plus 7.5% of any amount over $300.

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Monthly maintenance fee cannot exceed $7.50 per $100 borrowed.

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Borrowers have the right to rescind the loan within one business day with no penalty.

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Lenders must be licensed under the UCCC and supervised by the Colorado Attorney General.

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No criminal prosecution allowed for failure to repay a payday loan.

Why Choose Us

About Cash Day USA in Colorado

Cash Day USA is a licensed direct lender serving Colorado residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 2 convenient locations across Colorado plus a fully online application available 24/7, getting the emergency cash you need has never been easier.

We perform only a soft credit check with no impact on your FICO score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.

Our Colorado customers rate us 4.8/5 stars across 2 locations. We're committed to transparent lending practices and compliance with all Colorado regulations.

⚠️ Customer Notice

Payday loans are designed for short-term financial needs only. The minimum loan term in Colorado is 6 months. Make sure you understand the total cost of your loan before signing. If you are struggling with ongoing debt, please seek credit counseling.

Get quick cash in Colorado today!

Apply online or visit one of our 2 Colorado locations — it takes only minutes.

Apply Now

FAQ

Frequently Asked Questions about Colorado Payday Loans

Find answers to common questions about getting payday loans in Colorado:

Are payday loans legal in Colorado?

Yes, payday loans are legal in Colorado under the Uniform Consumer Credit Code (UCCC). However, the state imposes a 36% APR cap and requires a minimum loan term of 6 months to protect borrowers.

How much can I borrow with a payday loan in Colorado?

Colorado state law caps payday loans at $500. Installment loans are available up to $5,000. The right amount for you depends on your income and repayment ability.

How fast can I get my money?

Applications submitted before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are funded the next business day.

Can I get a payday loan in Colorado with bad credit?

Yes. Cash Day USA does not perform a hard credit check. We assess your income, employment status, and ability to repay — making loans accessible even with bad or no credit.

What is the APR on Colorado payday loans?

Colorado law caps the APR at 36% annually. This is one of the most protective caps in the country, making Colorado payday loans significantly more affordable than in many other states.

What if I cannot repay my loan on time?

Contact your loan branch immediately to discuss options. Colorado law allows for extended payment plans. Late payments may result in NSF fees but no criminal prosecution is permitted for loan default.