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Cash Advance in Denver, 80202

Denver, Colorado's capital city, has over 700,000 hardworking residents earning money in different industries.

However, when financial emergencies like an unexpected medical bill push occur, Denver citizens can turn to cash advances for financial aid.

A cash advance or payday loan in Denver follows Colorado state guidelines. This guide explains the cash advance regulations and limits for Denver residents who need quick cash.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Customer Reviews

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Defining Cash Advance Loans

A cash advance loan is a short-term loan that gives borrowers immediate access to funds. This type of personal loan is also called a payday loan.

Unlike other loans with lower interest rates, Denver payday loans come with high interest rates and fees. Lenders consolidate them as an annual percentage rate or APR.

Since the APR differs depending on the loan request, cash advance loans in Denver, CO, previously had high APRs. They are now capped at 45%.

The loan amount is deducted from the borrower’s bank account during payment. Note that borrowers will incur late payment fees if they are unable to pay back the money.

Before getting a payday loan in Denver, note these details:

  • Maximum Loan Amount: $500
  • Minimum Loan Term: None
  • Maximum Loan Term: 6 months
  • APR: 45%
  • Rollovers: 1
  • Finance Charge: 20% of the first $300, 7.5% of any amount exceeding $300

Denver Cash Advance Loan Requirements

A payday loan in Denver is relatively accessible; however, anyone who wants to borrow from Denver lenders must reach and submit these requirements:

  • Colorado resident
  • At least 18 years old and up
  • Active checking account
  • Proof of income
  • Social Security number
  • Contact details (valid email address, phone number)
  • Valid government ID

Choosing the Right Loan Type

While a Denver payday loan is a good option for extra cash, other loans can provide different borrowing amounts for different uses.

These are alternatives for Denver payday loans and their benefits:

  • Mortgages: Mortgages use real estate property as collateral to secure the loan. However, failure to repay the loan on time may lead to the property being seized.
  • Installment Loans: An installment loan gives a lump sum amount to be repaid over the long term in set amounts.
  • Title Loans: A title loan uses vehicles as collateral to have the loan approved, but the owner may lose the vehicle if they cannot meet the deadline.

Cash Advance Loans With Denver Third-Party Lenders

Finding a trustworthy lender in Denver, CO, is time-consuming. We can connect you with third-party lenders who are ready to help with quick loans.

Begin the loan inquiry process by filling out our online inquiry form. Your request will be reviewed by our network of third-party lenders, and you’ll be contacted by a lender after pre-approval.

These are the ways their service can help you get an online payday loan:

  • Get the loan approved within the same or the next business day
  • Bad credit support
  • Compliant with laws in Denver, CO

Getting Cash Advance Loans in Denver With Bad Credit

Denver lenders also offer bad credit loans to help borrowers access funds when they need it.

Note that bad credit loans may be accompanied by higher APRs.

Denver’s Cash Advance Loan Laws

Colorado’s Deferred Deposit Loan Act regulates loan processes within its cities, checking that payday loans in Denver work efficiently.

Article 5-3.1-105 of the Act concerns finance charges, stating: “A lender may charge a finance charge for each deferred deposit loan that may not exceed twenty percent of the first three hundred dollars loaned plus seven and one-half percent of any amount loaned in excess of three hundred dollars.”


Denver, CO, provides manageable loan terms that may help when you need a cash advance or payday loan.

If you need online payday loans, fill out our inquiry form today and wait for a lender to contact you.


Learn more about cash advances with these common questions.

Why Do So Many People Use Payday Loans Despite the Potential Consequences?

Payday loans are popular because they provide fast cash and are more accessible than traditional loans, especially for those with poor credit.

Who Does Payday Loans Near Me?

The following institutions generally provide payday loans:
Credit unions
Online lenders
Direct lenders
Credit card company
Finance companies

How to Pay Off Payday Loans Fast?

Here are tips to quickly pay off loans:
Budget your finances wisely to meet the deadline.
While early repayment is possible, check if it incurs a fee.
Avoid having multiple outstanding loans at once.


1801 Larimer St Ste G, Denver, CO, 80202

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(303) 647-9770

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