✓ Legal & RegulatedReviewed: Aug 2025
ColoradoLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Colorado. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$5,000
Typical APR
36% APR
Max Term
36 months
Legal Status
36% Cap
Colorado Lending Regulator
The Colorado Attorney General oversees consumer lending in Colorado, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Colorado is sourced directly from the Colorado Attorney General. For the most current requirements, visit: https://coag.gov/
Current Overview
Colorado fairness in lending with a 36% APR cap. Get fast personal loans in Denver and statewide from licensed lenders.
Legal Status: 36% Cap · APR Range: 36% APR · Max Amount: $5,000
Colorado Lending FAQ
Are payday loans legal in Colorado?▼
Yes. Payday loans are legal and regulated in Colorado under the oversight of the Colorado Attorney General. Current APR range: 36% APR. Maximum loan: $5,000.
What is the maximum payday loan I can get in Colorado?▼
The maximum short-term loan amount in Colorado is $5,000. A $500 short-term loan in CO for 6 months costs approximately $54 in interest at 36% APR.
Who regulates payday lenders in Colorado?▼
The Colorado Attorney General is the primary state regulator. You can verify any lender's license at https://coag.gov/. Unlicensed lenders operating in Colorado are illegal — always verify before borrowing.
What are the alternatives to payday loans in Colorado?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Colorado.