Fast Online Payday Loan [ AURORA ]
Possible types of loans:
- $100, $200, $300, $400, $500, $600, $700, $800, $900, 1000 dollars are emergency payday loans in Aurora Colorado USA, which are issued for a period of 1, 2, 3 or 4 weeks (until your next salaries).
- $1500, $2000, $2500, $3000, $3500, $4000, $4500, $5000 – Aurora, CO installment loans that can be taken out for terms of up to 2 years (most often 1, 6, 9, 12 or 3 months).
To get fast online cash advances (payday or personal loans, short-term loans, fast cash) with instant approval in Aurora, CO, USA, use our simple 5-minute application form! The money will be credited to your bank account within 24-48 hours (or faster) after approval.
Cash Advance Near Me :: Aurora Colorado Direct Lenders (list of offline stores and agencies nearby)
| Company | Address | Phone |
|---|---|---|
| Moneytree | 16880, E Iliff Ave, Aurora, CO 80013 | +1 303-755-6669 |
| ACE Cash Express | 1155 S Havana St #12, Aurora, CO 80012 | +1 303 873-6498 |
| Moneytree | 12862 E Mississippi Ave, Aurora, CO 80012 | +1 303-873-6669 |
| ACE Cash Express | 15034 E Mississippi Ave, Aurora, CO 80012 | +1 303-745-7519 |
| ACE Cash Express | 636 Peoria St B, Aurora, CO 80011 | +1 303-341-7295 |
| Checkmate | 14601 E Colfax Ave Ste B, Aurora, CO 80011 | +1 720-262-4279 |
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About Payday Loans in Aurora Colorado
When unexpected expenses arise in Aurora—whether it’s a medical bill, car repair, or emergency home expense—many residents consider payday loans or installment loans for quick cash. While these financial products can provide immediate relief, they come with significant differences in terms, costs, and risks. This guide will help you make an informed decision about borrowing in Aurora, Colorado.
Payday Loans (Cash Advances) in Aurora, CO
Payday loans are short-term, small-dollar loans (typically $100–$500) designed to be repaid by your next paycheck. Colorado regulates payday lending under the Colorado Deferred Deposit Loan Act.
Key Features of Payday Loans in Aurora:
✅ Loan Amounts: Up to $500
✅ Loan Term: Minimum 6 months (unlike most states with 2-4 week terms)
✅ Fees & Interest:
- Maximum APR: 36% (one of the lowest in the nation)
- No additional fees beyond interest
✅ No Rollovers Allowed – Must be fully repaid before taking a new loan
Where to Get a Payday Loan in Aurora:
- Advance America
- Check Into Cash
- ACE Cash Express
- Local storefront lenders
Pros & Cons of Payday Loans
✔ Fast cash (often same-day funding)
✔ No credit check required
✔ Lower APRs than most states (max 36%)
✖ Still expensive compared to other options
✖ Six-month term may lead to prolonged debt
✖ Not available for larger financial needs
Installment Loans in Aurora, CO
Installment loans offer a more flexible alternative, allowing borrowers to repay in fixed monthly payments over 3 months to 5 years. These loans are regulated under Colorado’s Uniform Consumer Credit Code (UCCC).
Key Features of Installment Loans in Aurora:
✅ Loan Amounts: $1,000–$50,000+ (depending on lender and credit)
✅ Loan Term: 3 months to 5 years
✅ Interest Rates:
- Good credit (660+): 6%–24% APR
- Fair/poor credit (below 660): 25%–36% APR
✅ Secured vs. Unsecured: Some lenders require collateral (e.g., car title loans)
Where to Get an Installment Loan in Aurora:
- Credit Unions (Bellco Credit Union, Credit Union of Colorado)
- Online Lenders (Upstart, Avant, OneMain Financial)
- Banks & Local Lenders (Wells Fargo, local finance companies)
Pros & Cons of Installment Loans
✔ Longer repayment terms (easier budgeting)
✔ Lower APRs than payday loans
✔ Higher loan amounts available
✖ Credit checks required (may affect your score)
✖ Possible origination fees (1%–5% of loan amount)
✖ Risk of repossession (for secured loans)
Colorado Payday & Installment Loan Regulations
- Payday Loan Max: $500
- Payday Loan APR Cap: 36% (no additional fees)
- Payday Loan Term: Minimum 6 months
- Installment Loan APR Cap: 36% for most loans
- Rollovers Allowed? No – Colorado prohibits renewals
Alternatives to Payday & Installment Loans in Aurora
Before taking out a high-interest loan, consider:
- Credit union emergency loans (Bellco CU offers low-rate options)
- Payment plans (medical providers, utilities, landlords)
- Nonprofit assistance (Aurora Community Resource Center)
- Side gigs / short-term work (DoorDash, Uber, local temp agencies)
Final Thoughts
Payday loans in Aurora are less predatory than in most states due to Colorado’s strict 36% APR cap. However, installment loans often provide better terms and flexibility. If possible, explore alternatives first. If you must borrow:
✔ Compare lenders carefully (check rates, fees, and reviews)
✔ Only borrow what you can realistically repay
✔ Avoid multiple loans to prevent debt cycles
For free financial counseling, contact the Colorado Attorney General’s Office or Mpowered, a local nonprofit offering financial coaching.
