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Near Me Payday Loans in Boulder Colorado(2025) with Comparison Chart, Eligibility Criteria & Real Reviews

Published on - March 6, 2025
Written By - Tony Dorman
Reviewed By - Zack M. Disette

Payday loans can be particularly useful in times of financial strain as they provide easy access to funds for unexpected costs. Boulder residents have to pay attention to the availability and regulatory compliance of short-term lending options. As of 2025, Colorado has caps on payday loans set at a 36% APR and a maximum loan of $500, providing protective access to consumers.

Comparison Chart

1. Force Cash Advance

Services: Payday loans, cash advances.
Features: In-person service, quick approval, minimal documentation.
Phone: (720) 706-8067
Website: forcecashadvance.com
Ratings: ★★★☆☆ (3.5/5).
Reviews: “Fast service but high APR. Helpful for emergencies.” – Sarah T.
Working Hours: Mon-Sat: 7:00 AM – 7:00 PM | Sun: Closed.
Location: 1688 30th St, Boulder, CO 80301 (Sunrise Center).
Amenities: Same-day funding, no credit check, flexible repayment.
Loan Range: $100– $500
APR%: 36% (compliant with Colorado law).
Approval Time: 1–2 hours.
Loan Period: 6 months (minimum).

2. Ria Money Transfer - King Soopers

Services: Payday loans, check cashing, money transfers.
Features: Located inside King Soopers supermarket, extended hours.
Phone :+1 303-499-4004
Website: riamoneytransfer.com
Ratings: ★★★★☆ (4/5).
Reviews: “Convenient location, but fees add up quickly.” – Missie Williams
Working Hours: Mon-Sun: 8:00 AM – 8:00 PM (aligned with store hours).
Location: 3600 Table Mesa Dr, Boulder, CO 80305.
Amenities: Instant cash pickup, bilingual staff.
Loan Range: $150–$500
APR%: 36%.
Approval Time: Same day.
Loan Period: 6 months.

3. Loan Till Payday (Online)

Services: Online payday loans, financial counseling.
Features: 24/7 digital application, direct deposit.
Phone ; 302-328-1370
Ratings: ★★★☆☆ (3/5).
Reviews: “Easy online process, but slow customer support.” – Rakim Cornwell
Working Hours: Online 24/7 | Physical location: 9:00 AM – 5:00 PM (4800 Baseline Rd).
Location: 4800 Baseline Rd, Boulder, CO 80303.
Amenities: No collateral required, electronic transfers.
Loan Range: $200–$500
APR%: 36%.
Approval Time: 15–30 minutes online.
Loan Period: 6 months.

4. 1F Cash Advance

Services: Payday loans, installment loans.
Features: Hybrid (online/in-person), transparent terms.
Phone : +1 888-847-2909
Website:1firstcashadvance.org
Ratings: ★★★★☆ (4/5).
Reviews: “Friendly staff and clear repayment plans.” – David B.
Working Hours: Mon-Fri: 8:00 AM – 6:00 PM | Sat: 9:00 AM – 2:00 PM.
Location: 2770 Canyon Blvd, Boulder, CO 80302.
Amenities: Free financial education resources.
Loan Range: $100–$500
APR%: 36%.
Approval Time: 1–3 hours.
Loan Period: 6–12 months.

5. Money Tree

Services: Payday loans, title loans, check cashing.
Features: Extended hours, multiple financial products.
Phone : 1-800-745-1011
Website: moneytreeinc.com.
Ratings: ★★★☆☆ (3.8/5).
Reviews: “Open late, but read the fine print on APRs.” – Sunita Johnson
Working Hours:
- Thu-Tue: 9:00 AM – 7:00 PM
- Fri: 9:00 AM – 8:00 PM
- Sat: 10:00 AM – 6:00 PM
- Sun: Closed
Amenities: Secured/unsecured loans, vehicle title loans.
Loan Range: 200–200–500 (payday) | Up to $10,000 (title loans).
APR%: 36% (payday loans).
Approval Time: 30 minutes (in-person).
Loan Period: 6 months (payday) | 12–36 months (title loans).

Important Notes

All lenders comply with Colorado’s 2025 regulations: 36% APR cap, $500 maximum payday loan, and minimum 6-month term.
Approval times vary based on application method (online vs. in-person).
Always verify terms directly with lenders, as policies may change.

Eligibility Criteria to Take Payday Loan in Boulder Colorado in 2025

Age: At least 18 years old.
Identification: A valid government-issued identification document (driver’s license or passport).
Income Verification: A reliable source of income is required or is demonstrated with recent pay-checks or bank statements.
Banking: You must have a checking account in your name.
Phone and Email: Valid phone numbers and email addresses are needed.
Proof of Residency: Proof of residency in Colorado such as utility bills or lease documents.
Application: The borrower must fill out the application provided by the lender.
Loan History: Applicants must have no recent defaulted loans.

Also, pay attention to the rules regarding payday loans in Colorado:

The upper limit for the maximum amount of a payday loan is $500, which consists of the principal of the loan and finance charges.
An annual percentage rate (APR) for a payday loan is limited to 36%.
An origination fee of up to 20% may be applied by lenders on the first $300 of a loan with 7.5% on the balance thereafter. The total fee, however, cannot exceed $75.
Lenders are permitted to charge maintenance fees of 7.5 per hundred dollars loaned, but cannot charge more than $30 per month.
The minimum payment period for a payday loan is six months.

Payday Loan Regulations in Boulder Colorado in 2025

Federal and state laws concerning loan protection for consumers will take effect in Boulder, Colorado as of 2025. These laws have both advantages and disadvantages. Other key responsibilities of these regulations are:

Loan Amount Limit: Each loan will not exceed $500, which includes both principal and finance charges.
Interest Rate Fee: An APR limit of 36% will be placed on inflated interest payday loans.
Fees During Issuance: Lenders that charge an Origination fee can charge a fee of 20% on the first $300 loaned and 7.5% of all loans issued thereafter above $300, but this should not exceed the maximum fee of $75.
Monthly Payment Fees: Lenders will be able to charge an additional fee that cannot exceed $30 a month but is capped at 7.5%\100 loans issued.
Loan Payment Schedule: Borrowers will have at least 6 months to repay the money borrowed through payday loans.
Renewal of Drawdown Restrictions: From 1 July 2024 onwards, there will be an annual limit on renewing a consumer loan of once a year instead of three times per year.

Conclusion:

As with any decision, selecting a payday loan provider in Boulder requires a balancing act: on one hand, the urgency of acquiring funds and, on the other, taking a responsible approach.
The five lenders highlighted—Force Cash Advance, Ria Money Transfer, Loan Till Payday Online, 1F Cash Advance, and Money Tree—are compliant with the state’s 36% APR cap, offer transparent agreements, and maintain reasonable repayment schedules.
Although these services provide vital short-term assistance, one must appreciate the costs involved and the possibility of becoming trapped in a debt cycle. Consider alternatives like personal loans or readily accessible funds before committing.

About Author

Tony Dorman

Finance Writer & Loan Industry Enthusiast Tony’s fascination with the loan segment drives his commitment to uncovering the fine print others ignore. Specializing in payday loan regulations, hidden fees, and borrower protections, he crafts content that prioritizes your financial safety. His goal? To ensure you never feel alone in your borrowing journey.