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Payday Loans Colorado

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Fast Approval Online Payday Loans in Colorado United States

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Payday loan are meant to provide short term liquidity solutions to the people who face any kind of financial difficulties. It abridges the gap between the two pay cycles and helps the borrower to handle any financial difficulty during this time. Some situations cannot wait until the next pay date and demand an immediate money flow to curtail it. With the shortest turnaround and easy application process, this product has become immensely popular with the people and the count has been growing steadily. Using this product, a person can borrow any sum from $100 to $1000 (depending on the state you are taking loan in).

Online Payday Loans Colorado

Online Payday Loans Colorado

Traditionally the business model of payday loan used to comprise of visiting the loan counter or a store, applying and submitting the request in person. This has moved up to online application process from the comfort of your home or office and the payday lender would be happy to transfer the loan money in your bank account. The entire process of submission of application and getting money takes a day or at most two. The loan application form is also like a questionnaire wherein the applicant is required to fill in personal information, employer details, monthly income, and details of the bank account and pay day dates. This entire information is checked by the company with their database. The lender at this stage looks for basic qualifying criteria’s on which the application is scaled up.

Some of Payday loans in Colorado qualifying criteria is :

  1. Applicant to have a steady income which should be over $1000 monthly
  2. Applicant must be in a legal job and with the current employer for more than 90 days
  3. Applicant should be a legitimate resident of the United States and must possess authorized residence address proof.
  4. Applicant should be above 18 years of age making him eligible to enter into a financial contract
  5. Applicant must not be a declared bankrupt and should not be defaulting currently with any other lender. This is usually checked by looking at the credit report of the applicant. Though not a great weight-age is put on the credit history, it’s a done only to check if the applicant is not having any current defaulting situation.

 

Payday lenders are known to charge huge percentage of interest and create unfavorable agreements on these deals. To minimize such type of bizarre rates, payday loans in Colorado are governed by the laws under the “Deferred Deposit Loan Act”.

 

Some of the provisions under this act which regulates the terms of payday loans are:

  1. The maximum loan amount will be $500
  2. The minimum length of the loan is 6 months
  3. There is no cap on the maximum length of the loan
  4. The maximum rate of interest for a $300 payday loan is 20%
  5. The maximum charge on a payday loan over $300 will be and extra $7.5 per extra $100 borrowed up to the total loan of $500

 

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There are some collection limits on the payday loans tendered in Colorado. Such limits control the action of all involved lenders and collection agents.

Some of the payday loans limitations are:

  1. Lenders can collect a maximum sum of $25 as ‘Non-Sufficient funds’ (NSF) fee. In case the borrower defaults on the loan, the loan amount as well as the attorney fee can be recovered under a court trial
  2. The collection agency is not allowed to take any legal action against the borrower. Only situation where it can be done when the borrower closes its checking account before the repayment was over.
  3. In case the borrower repays the loan amount before it is due for payment, lender is required to refund the proportionate amount or the annual percentage rate charged.

 

In case any lender does not comply with any of the above guidelines, the customer can approach the Attorney General of Colorado with the instance of breach. It is important to be aware of the rights and use them at the right time. Payday loans no doubt provide a big time breathing space to a person in need but it is important for the borrower to do an extensive financial planning and manage the money well before opting for such product.

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Cities, counties and towns that we work with in Colorado

Aguilar Akron Alamosa Alma Antonito Arriba
Arvada Aspen Ault Aurora Avon Basalt
Bayfield Bennett Berthoud Bethune Black Hawk Blanca
Blue River Bonanza Boone Boulder Bow Mar Branson
Breckenridge Brighton Brookside Broomfield Brush Buena Vista
Burlington Calhan Campo Cañon City Carbondale Castle Pines
Castle Rock Cedaredge Centennial Center Central City Cheraw
Cherry Hills Village Cheyenne Wells Coal Creek Cokedale Collbran Colorado Springs
Columbine Valley Commerce City Cortez Craig Crawford Creede
Crested Butte Crestone Cripple Creek Crook Crowley Dacono
De Beque Deer Trail Del Norte Delta Denver Dillon
Dinosaur Dolores Dove Creek Durango Eads Eagle
Eaton Eckley Edgewater Elizabeth Empire Englewood
Erie Estes Park Evans Fairplay Federal Heights Firestone
Flagler Fleming Florence Fort Collins Fort Lupton Fort Morgan
Fountain Fowler Foxfield Fraser Frederick Frisco
Fruita Garden City Genoa Georgetown Gilcrest Glendale
Glenwood Springs Golden Granada Granby Grand Junction Grand Lake
Greeley Green Mountain Falls Greenwood Village Grover Gunnison Gypsum
Hartman Haswell Haxtun Hayden Hillrose Holly
Holyoke Hooper Hot Sulphur Springs Hotchkiss Hudson Hugo
Idaho Springs Ignacio Iliff Jamestown Johnstown Julesburg
Keenesburg Kersey Kim Kiowa Kit Carson Kremmling
La Jara La Junta La Veta Lafayette Lake City Lakeside
Lakewood Lamar Larkspur Las Animas LaSalle Leadville
Limon Littleton Lochbuie Log Lane Village Lone Tree Longmont
Louisville Loveland Lyons Manassa Mancos Manitou Springs
Manzanola Marble Mead Meeker Merino Milliken
Minturn Moffat Monte Vista Montezuma Montrose Monument
Morrison Mount Crested Butte Mountain View Mountain Village Naturita Nederland
New Castle Northglenn Norwood Nucla Nunn Oak Creek
Olathe Olney Springs Ophir Orchard City Ordway Otis
Ouray Ovid Pagosa Springs Palisade Palmer Lake Paoli
Paonia Parachute Parker Peetz Pierce Pitkin
Platteville Poncha Springs Pritchett Pueblo Ramah Rangely
Raymer Red Cliff Rico Ridgway Rifle Rockvale
Rocky Ford Romeo Rye Saguache Salida San Luis
Sanford Sawpit Sedgwick Seibert Severance Sheridan
Sheridan Lake Silt Silver Cliff Silver Plume Silverthorne Silverton
Simla Snowmass Village South Fork Springfield Starkville Steamboat Springs
Sterling Stratton Sugar City Superior Swink Telluride
Thornton Timnath Trinidad Two Buttes Vail Victor
Vilas Vona Walden Walsenburg Walsh Ward
Wellington Westcliffe Westminster Wheat Ridge Wiggins Wiley
Williamsburg Windsor Winter Park Woodland Park Wray Yampa
Yuma

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