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Apply For Payday Loans in Colorado and Denver

Are you looking for a payday loan in Colorado? Our online loan request process is designed to be as fast as possible in securing you the payday loan to suit your needs. You may have a bad credit score or be seeking a loan without credit checks. Apply today and Harpsey will match you with the best payday loan to suit your financial situation.

How to Apply for a Payday Loan in Colorado in 3 Simple Steps:


Apply with Harpsey online


Get approval from a reputable lender


Get your money in your account!

Why Should I Choose Harpsey for Payday Loans in Colorado?

We understand that your financial circumstances can change and you might need quick access to funds. Harpsey works with reputable lenders across the state of Colorado to help you to get money as quickly as possible to meet your needs. 

We can even assist you if you are struggling to secure a loan because of bad credit. Our straightforward online application means you can obtain an instant decision. Simply fill out the online form!

Key Features of Payday Loans in Colorado


Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

How Much Does a $500 Loan in Colorado Cost?


This is a representative example. Terms differ from lender to lender.

If you were to take out a $500 loan in Colorado for the maximum time period (6 months) and get the maximum finance charges (36% of the loan), you would pay $726.39.

This is made up of $46.39 in interest, $180 in finance charges, and paying back the $500 principal cost.

How Fast Can I Get a Payday Loan in Colorado?

We know that when looking for a payday loan there is often a need to source money quickly. With Harpsey, when applying for smaller payday loans such as $100, $500 or $1000, you could have your loan approved and the access to the funds in your account the same day.

For larger amounts, some additional checks may be required, but your online application can certainly be approved within 1 business day.

What Do I Need To Consider Before Getting a Payday Loan in Colorado?

It is important to consider if a payday loan is the best option for your financial situation. Payday loans offer a quick solution when you need money for an emergency or an unexpected bill.

Take time to think about whether you can afford to make repayments. If you miss repayments for payday loans the cost of additional interest can start to add up and could lead to damaging your credit rating.

payday loans colorado

Can You Offer Payday Loans With No Credit Checks Applications in Colorado?

Yes, our online service makes it possible to get a payday loan in Colorado without a credit check, known as a no credit check loan. We work with a number of reputable lenders who will look at other factors than just your credit score. There are always options available even if you have a bad credit history, including adjusting how much you can borrow or requesting collateral for your loan.

You should still enquire with us even if you have already been turned down by a bank in Colorado because of bad credit. A payday loan might be the best solution to get back on track with your finances.

Can I get a Payday Loan in Colorado with a Bad Credit Rating?

We understand that applying for a payday loan with a bad credit rating can be daunting. That’s why Harpsey works with a wide range of lenders across Colorado who are willing to accept all credit histories. Many of our lenders can provide offers for those with bad credit whether you want to borrow $500 or $5000.

To get a payday loan in Colorado with bad credit, just make sure that you meet the required criteria including having stable employment and a steady income. It is important to know you are comfortably able to meet your repayments to prevent any further financial difficulty.

Do I Fit the Criteria for a Payday Loan in Colorado?

Eligibility for a payday loan in Colorado is dependant on the following simple requirements :

  • You must be a resident of the U.S.
  • You must be over the age of 18
  • You must have stable, regular income
  • You must be employed and earn a minimum of $800 per month
  • You must have a live US checking account

What Happens If I Cannot Repay My Payday Loan?

Failing to repay your debts can lead to additional fees and can damage your credit rating. If you become aware you will be unable to meet your payday loan repayments, it is important to speak to your lender as soon as possible. They could potentially help by suggesting an alternative payment plan which could prevent damage to your credit score.

It is important to consider when you first apply what you will be able to afford to repay. It’s best to make sure that you don’t borrow too much or too little for your needs.

Where Can I Find a Payday Loan in Colorado?

Your location will not prevent you from getting the additional financial help you need. If you are in Denver, Colorado Springs or anywhere else in the state, our fully online service allows you to apply from wherever you live.




Black Hawk




Canon City


Castle Rock



Colorado Springs

Commerce City


Cripple Creek

Crested Butte






Estes Park




Fort Collins

Glenwood Springs


Grand Junction


Greenwood Village

Highlands Ranch

Idaho Springs







Manitou Springs



Pagosa Springs







Steamboat Springs







Winter Park

Wheat Ridge

Woodland Park

FAQs | Payday Loans in Colorado

Yes. It is possible to repay your payday loan early in Colorado. In some instances this can even save money for you. It is always best to speak with your lender to arrange the best repayment time frame.

There is a low price cap of 36% for payday loans in Colorado. This means that loans are easier to repay back for borrowers.

There is no set limit on the number of payday loans that you can take out in Colorado. The outstanding loan amount cannot exceed $500. This $500 limit can be met via 1 or multiple payday loans.

If your loan application is declined, there will not be any changes to your credit rating and you will not face any costs.

No. Our totally free service is here to help you quickly find the most affordable loan for you.

At Harpsey, we offer a variety of different loan options. These include payday loans, cash advance loans, installment loans, and many more.