Personal loans in Colorado

Consumer lending in Colorado is regulated by the Colorado Department of Law (Office of the Attorney General). Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Colorado

Payday lending	Permitted and regulated — maximum loan amount: A lender shall not lend an amount greater than $500 nor shall the amount financed exceed $500 at any time to a consumer; maximum loan term: There shall be no maximum loan term. The minimum loan term shall be six months from the loan transaction date. Finance charges: A lender may charge a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of 36%. If the loan is prepaid prior to the maturity of the loan term, the lender shall refund to the consumer a prorated portion of the finance charge based upon the ratio of time left before maturity to the loan term. A lender may charge only those charges expressly authorized in this article in connection with a deferred deposit loan or payday loanSource: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes; if interest rate is greater than 12% per year). Statutory basis: Colo. Rev. Stat. §§ 5-1-101 et seq. Licensing administered through NMLS: No.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 8% if there is no agreement (C.R.S. 5-12-101); 45% is the maximum rate that may be agreed upon (C.R.S. 5-12-103). Finance rates and fees for licensed lenders: THE GREATER OF EITHER 36% per annum on the portion not exceeding $1,000 21% per annum on the portion between $1,000-$3,000 15% per annum on the remainder OR 21% per annum. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Colorado are licensed and supervised by the Colorado Department of Law (Office of the Attorney General).Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Colorado Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Colorado Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Colorado Department of Law (Office of the Attorney General); consumers can file complaints with the Colorado Department of Law (Office of the Attorney General) or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Colorado

Denver Colorado Springs Aurora Fort Collins Lakewood Pueblo Thornton Greeley Grand Junction Arvada Boulder Westminster Centennial Longmont Highlands Ranch Lafayette Loveland Broomfield Castle Rock Commerce City Parker Littleton Security-Widefield Brighton Northglenn Dakota Ridge Ken Caryl Englewood Pueblo West Wheat Ridge Windsor Fountain Erie Columbine Evans Four Square Mile Louisville Clifton Montrose Sherrelwood Golden Durango Cimarron Hills Cañon City Fort Carson Johnstown Welby Firestone Greenwood Village Black Forest Frederick Federal Heights Sterling Lone Tree Fruita Superior Steamboat Springs Fort Morgan Cherry Creek Castle Pines Berkley Wellington Edwards Rifle Gunbarrel Berthoud Monument Glenwood Springs Fairmount The Pinery Stonegate Alamosa Evergreen Redlands Delta Craig Derby Roxborough Park Woodmoor Cortez Trinidad Applewood Milliken Gypsum Fort Lupton Fruitvale Woodland Park Lochbuie Severance Lamar Twin Lakes Eagle La Junta Aspen Orchard Mesa Stratmoor Carbondale Gunnison Cherry Hills Village Timnath Gleneagle Avon Air Force Academy Sheridan Dacono Estes Park Salida Eaton Shaw Heights Brush Battlement Mesa West Pleasant View Breckenridge Dove Valley Edgewater Todd Creek Meridian Manitou Springs Vail New Castle Mead Glendale El Jebel Silverthorne Castle Pines Village Genesee Monte Vista Niwot Rocky Ford Florence Basalt Lincoln Park Silt Yuma Ponderosa Park Strasburg Penrose Burlington Orchard City Snowmass Village Walsenburg Bennett Frisco La Salle Platteville Buena Vista Holly Hills Bayfield Meridian Village Acres Green Palmer Lake Leadville Telluride Cedaredge Coal Creek Palisade Las Animas Meeker Holyoke Rangely Center Inverness Wray Sierra Ridge Colorado City Lyons Granby Laporte Stepping Stone Hudson Park Center Hayden Ordway Idaho Springs Leadville North Olathe Perry Park Aristocrat Ranchettes Akron Elizabeth Ault Columbine Valley Kremmling Del Norte Parachute Mountain Village Pagosa Springs Keenesburg Indian Hills Paonia Kersey Loma Byers Crested Butte Nederland Alamosa East Sanford Fraser Ignacio Springfield Towaoc Ellicott Hotchkiss Cascade-Chipita Park Aetna Estates Julesburg Gilcrest Sterling Ranch Mancos Limon Fowler Dillon Wiggins Georgetown Poncha Springs Minturn Ridgway Kittredge Pierce Ouray

Personal loans in Colorado

Lending rules in Colorado

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Cities in Colorado

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