Get a Personal Loan in Denver, CO
Three minutes to request, no fee, and no obligation to accept any offer. Every offer follows Colorado’s 36% APR cap.
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Colorado loan rules at a glance
| Rule | Colorado limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $500 (deferred deposit loan) |
| Maximum term | At least 6 months |
| Finance charge cap | 36% APR, all-in (Proposition 111, 2018) |
| Rollovers | One renewal; your total balance with any one lender may not exceed $500, with a 30-day wait between loans from the same lender |
| Cooling-off period | Borrower may rescind by 5 p.m. the next business day at no cost (C.R.S. 5-3.1-106) |
| Statute | Colorado Deferred Deposit Loan Act (as amended by Proposition 111) — C.R.S. §§ 5-3.1-101 to 5-3.1-123 |
Source: Colorado Attorney General — Consumer Credit Unit (UCCC Administrator) · Rules verified July 10, 2026
Questions
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender, under the terms written in the loan agreement you accept — and in Colorado that cost is capped at a 36% APR.
Yes. Your request is encrypted in transit and shared only with the lenders reviewing your request. We never sell your data to unrelated third parties.
Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.