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When a bill shows up a few days before your paycheck, even a small expense can throw off your plans. A payday loan is one option for covering that gap. You can apply online with Superb Cash Advance in just a few minutes, with no hard credit check to get started.
Colorado gives borrowers some of the strongest protections in the country: loans are capped at $500, the total cost is limited to a 36% annual rate, and you get at least six months to repay. That is why a payday loan here costs far less than in most states.
Approval rests on your income and whether the payments fit it, not your credit score alone. If you qualify, take time with your free, no-obligation estimate, compare it against your other options, and borrow only if the repayment fits your budget.
Sign before 11:30 AM ET and your funds may arrive as soon as the same business day. You can also browse our Colorado locations below to find an office near you.
A payday loan, sometimes called a cash advance, is a small, short-term loan for covering an unexpected cost. In Colorado you can borrow up to $500.
In Colorado, the rate is capped at 36% APR under state law (Proposition 111). That cap covers everything, so a lender cannot add an origination fee or a monthly maintenance fee on top.
Colorado law also gives you at least six months to pay the loan back, in fixed monthly payments instead of one lump sum. This makes it a safer and far cheaper loan than payday loans in many other states.
| Loan amount | Term | Monthly payment | Total interest | Total to repay | APR |
|---|---|---|---|---|---|
| $100 | 6 months | $18.46 | $10.76 | $110.76 | 36% |
| $200 | 6 months | $36.92 | $21.52 | $221.52 | 36% |
| $300 | 6 months | $55.38 | $32.28 | $332.28 | 36% |
| $400 | 6 months | $73.84 | $43.03 | $443.03 | 36% |
| $500 | 6 months | $92.30 | $53.79 | $553.79 | 36% |
Representative example: borrow $500 over a 6-month term at a representative 36% APR. You make 6 fixed monthly payments of about $92.30. Total interest is about $53.79, so the total you repay is about $553.79. Examples are for illustration; we show you the exact APR, payment, and total cost before you sign.
Source: Colorado Deferred Deposit Loan Act, Colo. Rev. Stat. § 5-3.1-101 to 5-3.1-123 (Proposition 111: 36% all-in APR cap, no origination or maintenance fees; six-month minimum term). Payday lenders are licensed and overseen by the Colorado Attorney General's Consumer Credit Unit. Last reviewed June 2026.
In Colorado, $500 is the most you can borrow with a payday loan.
Colorado is one of about 20 states that cap payday loan rates near 36% APR, and it limits the amount to $500 to keep borrowing affordable.
The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision, and approved funds can arrive the same business day.*
See the requirements and how it works on our $500 cash advance with no credit check page.
Are payday loans legal in Colorado?
Yes. Payday loans are legal and regulated in Colorado.
What will a payday loan cost in Colorado?
Colorado caps the APR at 36%, and that cap covers all charges, so there are no origination or monthly maintenance fees.
Loans are repaid over a minimum six-month term.
For example, a $500 loan over 6 months at 36% APR runs about $92.30 a month, with about $53.79 in interest and about $553.79 repaid in total.
How long do I have to repay a payday loan in Colorado?
Colorado law sets a minimum loan term of six months. Instead of one lump-sum payment, you repay the loan in fixed monthly installments, which makes the payments easier to manage.
Can I roll over my payday loan in Colorado?
No. Colorado does not allow rollovers, so your loan cannot be extended into a new loan with new charges. You also have until the end of the next business day to cancel.
Do I need good credit to get a payday loan?
No, you do not need good credit to qualify. We primarily evaluate your ability to repay based on your current income.
What are you waiting for?
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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