Wondering... “Where can I find a personal loan if I have bad credit, near me in Colorado?"


Likely, right here! 264 locations to see. Advance America - La Junta, CO, Pueblo Bank and Trust - Pueblo, CO, EZ Money Payday Loans - Lakewood, CO, Coors Credit Union - Golden, CO, FirstBank - Boulder, CO, Bellco Credit Union - Centennial, CO, and many more are located near you. Locations, contact information, hours and more here in Colorado. Detailed bad credit personal loan information below.

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Related Colorado Loan Programs

Personal Loans in CO
$1,000 to $40,000 - Credit Score 650+
 
Payday Loans in CO
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations set by the state of Colorado. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.
 

Colorado Personal Loan for Bad Credit Lending Regulator (CO)

Regulating Authority
Colorado Office of the Attorney General
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 10th Floor
Denver, CO 80203
800-222-4444
https://coag.gov/

Agency for Handling Complaints
Colorado Office of the Attorney General
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 10th Floor
Denver , CO 80203
800-222-4444
https://coag.gov/file-complaint/

 

Personal Loan for Bad Credit Lenders (CO) by City

Flag of the State of Colorado When it feels like your debt is piled higher than the Mile High City, where in Colorado can you go for bad credit personal loans to lighten the load?

Who doesn’t like a nice afternoon drive to admire the Front Range? You probably don’t, anymore, after a gaper rear ends your Subaru. Darn flatlanders. Now you have to come up with the deductible to pay for repairs. Whether you’re cycling or skiing in Breckenridge, you always manage to endo and injure yourself. You should know better by now, but that never stops you, so here you are, again in the doctor’s office and there’s another deductible you have to come up with. This stuff usually happens when your money has dried up like Medano Creek.

In Salida, a black bear decides your car’s interior is tasty, and you think raccoons are really cute until they move into your attic in Pueblo. Wildlife sure can do a lot of damage! But so can people: you come out of the movie theater in Boulder to find your windshield has been broken. In Denver, someone steals your laptop. When you have bad credit and you’re out of money, it just makes things even worse. Is there somewhere, maybe, that offers installment loans to help you pay for all this stuff?

When the proverbial spaghetti hits the proverbial fan, things can get pretty messy in a hurry. A personal loan can help you mop things up, but if you have bad credit, you may struggle to find one. How can a person find the right easy loan for bad credit?

We Give Loans offers unique access to 264 loan sources that handle personal loans for people with bad credit. Our no cost, no obligation, consumer-to-lender pairing process has helped over two million people since 2006 to get the right loan for their individual situations. These are typically installment loans that allow a consumer to borrow $500 to $3,000 and pay it back over a period of 2 to 36 months.

With one short, secure form, you can anonymously give us the basic outline of your situation. We use that information to pair you with loan sources from our network which would be appropriate for your needs. From there, you can select a source and complete your application with them. It’s simple and fast!

Most loan sources in the We Give Loans network approve small personal loans for bad credit in minutes, and fund loans within 24 business hours- getting you the cash you need to tidy up your financial messes. Whether you’ve been hit with an expensive car repair or need some cash to help you get a new start in life, our loan sources can help. Apply now!

Colorado Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leader in financial counseling services in Colorado.

Colorado Personal Loan for Bad Credit Laws and Regulations in (CO)


(last updated 01/31/2020)
5-2-102. Scope.
For purposes of this article, "consumer credit transaction" applies to consumer loans, including supervised loans, consumer credit sales, and refinancing and consolidations of these transactions but does not include consumer leases

5-2-201. PART 2 MAXIMUM FINANCE CHARGES AND OTHER FEES AND CHARGES
Finance charge for consumer credit transactions. (1) With respect to a consumer loan other than a supervised loan, including a revolving loan, a lender may contract for and receive a finance charge calculated according to the actuarial method not exceeding twelve percent per year on the unpaid balance of the amount financed. (2) With respect to a supervised loan or a consumer credit sale, except for a loan or sale pursuant to a revolving account, a supervised lender or seller may contract for and receive a finance charge, calculated according to the actuarial method, not exceeding the equivalent of the greater of either of the following: (a) The total of: (I) Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less; (II) Twenty-one percent per year on that part of the unpaid balances of the amount financed that is more than one thousand dollars but does not exceed three thousand dollars; and (III) Fifteen percent per year on that part of the unpaid balances of the amount financed that is more than three thousand dollars; or (b) Twenty-one percent per year on the unpaid balances of the amount financed. (3) (a) Except as provided in paragraph (b) of this subsection (3), the finance charge for a supervised loan or consumer credit sale pursuant to a revolving credit account, calculated according to the actuarial method, may not exceed twenty-one percent per year on the unpaid balance of the amount financed.

5-2-214. Alternative charges for loans not exceeding one thousand dollars.
(1) For a consumer loan where the amount financed is not more than one thousand dollars, a supervised lender may charge, in lieu of the loan finance charges permitted by section 5-2-201, the following finance charges: (a) An acquisition charge for making the original loan, not to exceed ten percent of the amount financed; (a.5) An acquisition charge for making any refinanced loan, not to exceed seven and one-half percent of the amount financed; and (b) A monthly installment account handling charge, not to exceed the following amounts: Amount financed Per month charge $100.00 - $ 300 $12.50 $300.01 - $ 500 $15.00 $500.01 - $ 750 $17.50 $750.01 - $ 1,000 $20.00
(2) The minimum term of a loan made pursuant to this section shall be ninety days. The maximum term of a loan made pursuant to this section shall be twelve months. All loans shall be scheduled to be payable in substantially equal installments at equal periodic intervals.
(3) On a loan subject to the alternative charges authorized by this section, no other finance charge or any other charge or fee is permitted except as specifically provided for in this section and except for the delinquency charges provided for in section 5-2-203, reasonable attorney fees provided for in section 5-5-112, and the fee for a dishonored check provided for in section 5-2-202 (1) (e) (II).
(4) The acquisition charge authorized in this section shall be fully earned at the time the loan is made and shall not be subject to refund; except that, if the loan is prepaid in full, refinanced, or consolidated within the first sixty days, the first ten dollars of the acquisition charge shall be retained by the lender and the remainder of the acquisition charge shall be refunded at a rate of one-sixtieth of the remainder of the acquisition charge per day, beginning on the day after the date of the prepayment, refinancing, or consolidation and ending on the sixtieth day after the loan was made.
(5) Upon the prepayment of a loan made pursuant to this section, the unearned portion of the installment account handling charge shall be refunded to the consumer. The unearned portion of the installment account handling charge that is refunded shall be calculated pursuant to the provisions on rebate upon prepayment contained in section 5-2- 211 on the date of refinancing; except that, for the purpose of computing this amount, no minimum charge described in section 5-2-201 shall be allowed.
(6) The rates and charges permitted by this section shall not apply to deferred deposit loans subject to article 3.1 of this title. 30
(7) A lender shall not take collateral from a consumer as security for payment for any loan made pursuant to this section. (8) A lender may not refinance a loan made pursuant to this section more than three times in one year.

This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Colorado, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Colorado Office of the Attorney General.