Payday loans in Colorado Springs

With over 700,000 residents and strong industries like healthcare and IT, Colorado Springs is a busy city. But in this city, financial emergencies can occur at any time.

If you're facing expenses like a car repair or bills, you can get a payday loan to cover the cost.

Before you make an inquiry, check out how these loans work and what's legal in Colorado.

Customer Reviews

Excellent

Thomas T.

They helped

Darin L.

When my car unexpectedly broke down, I didn't know where to turn, but this lending company really helped by providing speedy cash loans in Colorado Springs. I completed the repairs in the same week, and the process went more easily than I thought it would.

Maryalice S.

I was searching for payday loans without all the hassles, and Mint Payday Loans came really recommended. Eden didn’t waste any time and made sure I had everything to get approved quickly. She explained things clearly and made me feel taken care of.
Feedback: Maybe they could add a small brochure or loan comparison sheet to help first-timers pick what works best for them.

Harry R.

I popped in for a payday loan in Colorado Springs after an unexpected vet bill. Eden was patient and friendly, making everything super easy. She even remembered my name from a call earlier that morning. Now that's good service!
Suggestion: A reminder text or email about due dates would be helpful—easy to forget when you’re juggling bills.

Ruth K.

I’ve had rough experiences before, but this place felt different. Eden helped me get a guaranteed payday loan when I had no other options. She went through my budget with me and didn't push me to borrow more than I needed. I really appreciated her honesty and care.
Room for improvement: Maybe they could stay open a bit later on weekdays—closing at 5 can be tough for people who work.

Marjorie L.

"I needed a low-cost payday loan for a quick expense, and I’m so glad I met Eden at the Colorado Springs location. She made sure I knew all the fees from the start, and there were no hidden costs. Everything was clear, and I got my cash in under 20 minutes.
Could be better: Some signs or directions in the parking lot would help—it was a bit tricky to find the right door my first time.

Edward H.

I didn’t expect to find any payday loans open on Sundays in Colorado Springs, but Mint Payday Loans saved the day! Eden was really nice and never made me feel bad for needing a little help before payday. The office was clean and had a chill vibe, which eased my nerves.
Suggestion: It’d be cool if they had a simple online form to kick things off before you get there—it could save some time on busy weekends.

What is a Payday Loan?

A payday loan is a short-term borrowing option that provides quick access to funds until your next paycheck. It's designed for covering urgent expenses or financial emergencies and doesn't require extensive credit checks or collateral.

The loan is repaid in full, including fees and interest, on your next payday.

When it comes to payday loans, Mint Payday Loans wants to ensure transparency regarding the costs and fees involved.

Here's What You Can Expect:

Payday loans typically charge a fee based on a percentage or dollar amount per $100 borrowed

The specific fee amount varies depending on your state's regulations and the maximum loan amount permitted

Fees can range from $10 to $30 for every $100 borrowed, with $15 per $100 being a common fee

a Payday Loan Example:

For instance, if you borrow $200 before your next payday and the fee is $15 per $100, the total repayment amount would be $230

3 Express Steps to Get A Payday Loan in Colorado Springs

Submit Online Form

Please select how much cash you need and complete our express online requested form in a few minutes. It’s easy, secure, and available also for poor credit score.

Get Approved

Review your loan terms and get a decision, electronically sign it and after some additional checks, you can be approved within just a few hours.

Get Cash

If approved, you'll sign the contract and funds will be deposited into your bank account within a few hours, same day or following business day.

Get a Payday Loan Online

Mint Payday Loans: Easy Loans for Low Credit. Experience hassle-free borrowing - Submit your online request and leave the rest to us.

How Much Do You Need?

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$100 - $1,000

$1,000 - $5,000

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Payday Loans Briefly Defined

Payday loans are small, short-term loans that give the borrower a lump sum. The borrower must typically pay back the amount by the next payday. They're popular because they typically don't need a good credit score for pre-approval.

Restrictions vary depending on the financial services provider. Borrowers will normally give the lender access to their bank account or a post-dated check to collect payments, which includes fees and an annual percentage rate interest.

What You’ll Need for a Payday Loan

Before making a loan inquiry, prospective borrowers in Colorado Springs should prepare the following:

A valid Government-issued photo ID
Proof of income (like a bank statement or pay slip)
Checking account details
Contact and residency information

Having these ready beforehand may make the inquiry process faster.

How Colorado Springs’ Third-Party Lenders Can Help With Loan Inquiries

Instead of lining up at a bank, you can skip that hassle by making an inquiry online. Colorado Springs residents can start the process with our quick online inquiry form.

Fill out that form, and your request will be reviewed by a network of third-party lenders. After passing pre-approval, you'll receive an offer suited to your needs.

Clarify any terms that may be unclear with your lender, and accept the offer. Borrowers may be able to get their funds in as little as 1-2 business days.

How do payday loans work?

Services

Payday loans

Cash Advance

Loans without a credit check

No Credit Check Loans

Same Day Loans

Quick Loans

Personal Loans For Bad Credit

Cash Advance Loans

Bad Credit Loans

Debt Consolidation

Requirements

Have an income of at least $1,000 monthly (all sources)

Be 18 years of age or older

Active email address and phone number

Be a US citizen or legal resident

Have an open checking account

Benefits

Free obligation quote

No collateral!

High-level security!

Bad credit – OK

Same Day Funding Available

Process

Submit an Online form

Get Approved

Review Loan Offer - Sign Your Agreement

Get the Cash Loan

Useful Information

Typically, pay $15-$30 per $100 loaned

Most states cap payday loans at $500

Payday loans are usually paid in single payment

Repayment is usually from 2-4 weeks post loan start. Only apply for a payday loan if sure you can repay it.

How much does a payday loan with bad credit cost?

Good to know: Remember: Each state sets payday loan fees and interest differently. Generally, expect to pay $15-$30 per $100 borrowed, with potential extra charges for late or missed payments.

Will a Bad Credit Score Stop Borrowers From Getting a Payday Loan?

No, low credit typically won’t block your access to payday loans in Colorado Springs. Most lenders focus more on your income than your credit history.

However, lower scores may lead to higher costs or tighter repayment terms. Always review the full loan agreement before accepting an offer.

Applicable Colorado Lending Laws and Limits

Colorado has strict lending regulations to protect borrowers, with the following limits:

APR: Loans must not exceed a 36% Annual Percentage Rate, including all fees.
Minimum Loan Term: Repayment must be spread over at least 6 monthly payments.
Maximum loan Amount: The loan amount, including fees, can’t exceed $500.
Prepayment Penalties: Borrowers can repay their loans in full at any time without incurring an additional fee.

Conclusion

When financial emergencies strike, a payday loan can help you make up the shortfall. Colorado Springs residents can start the inquiry process with our quick form to get their funds fast.

FAQs.

What Are Some Legit Online Payday Loans?

No need to look on your own. Fill out our form so the lenders will contact you. Remember to only borrow what you can repay, and ask your lender to explain any terms that are unclear.

How Many Payday Loans Can You Have?

You’re only allowed one active small-dollar loan at a time in Colorado. This law helps prevent debt from piling up and protects consumers from over-borrowing to get funds quickly.

How Does a Cash Advance Loan Work?

A cash advance loan lets you borrow a small amount upfront and repay it over a short term. It’s similar to a payday loan, but in Colorado, such loans must follow the same rules: 6-month minimum monthly payments and capped APR of 36%.

Some banks offer credit cards with cash advances, but these often come with higher interest and extra fees. Always check the terms and details before using this option.

Customer Reviews