Payday loans in Colorado: what the law allows
No. Colorado doesn't allow payday loans at typical payday costs. We haven't confirmed Colorado's car title loan rules yet.
Colorado
Payday loans
Not allowed
Car title loans
Not confirmed yet
“In 2018, Colorado voters overwhelmingly approved Proposition 111 (by a vote of 77% to 23%), which imposed a 36% annual percentage-rate cap on deferred deposit loans.”
Colorado Attorney General, Administrator of the Uniform Consumer Credit Code
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in Colorado?
No. Colorado doesn't allow payday loans at typical payday costs.
Are car title loans legal in Colorado?
We haven't confirmed Colorado's car title loan rules yet.
How do I check a lender's license in Colorado?
Look the lender up with Colorado Attorney General, Administrator of the Uniform Consumer Credit Code, which licenses lenders in Colorado.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.