Payday Loans in Denver, Colorado
at 1001 S Monaco St Pkwy ste 220, 80224
- (720) 780-9252
- 2+ years in business
- Apply in-store 8:00 a.m. – 10:00 p.m. (Mon–Fri)
- Open on Saturday
- Payday Loans, Installment Loans
Visit 1F Cash Advance Store in Denver
If you need quick cash to cover unexpected expenses, 1F Cash Advance is your one-stop shop for financial services. With us, you can find hassle-free loans across Colorado. Our lenders consider applicants with bad credit, so they may access fast financial support when they need it.
- Monday8 a.m. – 10 p.m.
- Tuesday8 a.m. – 10 p.m.
- Wednesday8 a.m. – 10 p.m.
- Thursday8 a.m. – 10 p.m.
- Friday8 a.m. – 10 p.m.
- Saturday9 a.m. – 6 p.m.
- SundayClosed
Allen Scott
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Loan Products Available In-Store
Payday Loans
Max. amount $500
A payday loan can help you with minor expenses and small emergencies.
Installment Loans
Max. amount $5,000
An installment loan in Denver can help you finance big purchases or meet your larger money needs.
Follow 3 Simple Steps to Get Your Loan
Getting a loan with us is as simple as 1-2-3:
Visit our store
Our team will help you complete the application process in as little as 5 minutes with no stress.
Wait for approval
You will get a loan decision shortly after you submit a form.
Get funded
If approved, receive the funds via a direct deposit on the same day or walk out with cash right away.*
*Approval is subject to certain qualifications, including your income, debts, employment status, and payment history. Loans originated before 10:30 a.m. on business days are usually funded on the same day. Later or weekend applications are processed on the next banking day.
What You Need to Bring to Apply
Here’s what we ask for to verify your loan eligibility:
- Valid US-issued photo ID
- Social Security number
- Active bank account and routing numbers
- Proof of Colorado address
- Proof of income (bank statements, pay stubs)
- Valid email and phone number
Notice: 1F Cash Advance only considers applicants who have reached the age of 18.
Find Our Store Near You
Looking for fast financial assistance outside of Denver? We also operate in Boulder and accept borrowers from nearby areas.
About 1F Cash Advance in Denver
For over six years, 1F Cash Advance has been helping Denver residents and people across Colorado access fast, hassle-free payday loan options, installment loans, and check cashing services.
We are a licensed company that helps you find a suitable loan option while keeping borrowing safe and transparent. We partner with lenders that are licensed to operate in Colorado and strictly follow state rules and regulations.
Our friendly team is here to help you choose from a wide range of financing options and guide you through the process. Visit our Denver store, complete your application in minutes, and get same-day cash for your urgent financial needs.
Why Denver Residents Turn to Short-Term Loans
Many people in Denver rely on short-term loans when the bills come faster than the paychecks arrive. Rent across Colorado has risen sharply. Some renters are paying $1,500 or more a month—more than they did in 2020—and wages haven’t kept pace.
51.1%
Share of Colorado renters who are “cost-burdened,” meaning housing eats up 30% or more of their gross income.
Over 80%
How many Colorado renter households making under $45,000 a year fall into that same cost-burdened group.
25%
How much food prices rose nationwide from 2020 to 2024, piling on more pressure at the checkout.1
Current Colorado Payday Loan Rules 1, 2, 4
| Parameter | Requirement |
|---|---|
| Most you can borrow | $500 |
| Shortest repayment term | 6 months |
| Penalty for paying early | None |
| Highest APR (since 2018) | 36% |
| APR disclosure | Yes |
| Online/mail lenders | Same 36% cap, no matter where they’re based |
Your Rights as a Borrower in Colorado
Every licensed lender in Colorado has to play by these rules:
- You can back out within a day. If you change your mind, cancel the loan by 5:00 p.m. the next business day, with no fee or explanation needed.
- APR must be disclosed. Your loan agreement must clearly state the Annual Percentage Rate.
- Pay off early, anytime. There’s no penalty for paying early, and the lender owes you a refund on the prorated fees.3
- You can report a lender. If one breaks the rules, contact the Colorado Attorney General’s Office.
- Military members. The federal Military Lending Act adds extra protections, including a ban on wage garnishment for payday loan debt.
Customer Notice
Payday loans should not be used for long-term financial needs. They are designed for small, short-term emergencies and urgent expenses. Make sure you can repay the loan on time before applying to avoid financial and credit consequences. People with ongoing money problems and credit issues should refrain from borrowing and seek credit counseling.
FAQ
Can I get a payday loan in Denver with bad credit?
1F Cash Advance partners accept applicants with bad or no credit. They look beyond just your credit score and assess your overall financial situation, including your income, employment status, current debts, and recent payment history.
How fast will I receive the funds?
Most borrowers get funded as soon as the next business day after approval. Applicants approved before 10:30 a.m. on weekdays can receive the funds on the same day they apply. Note that the terms also depend on your bank's cut-off times.
What should I do if I can't repay my loan on time?
In Colorado, late payments may result in a non-sufficient funds (NSF) fee of up to $25 and may lead to credit consequences if the loan goes into delinquency. If you find yourself unable to repay the loan on time, contact your lender to discuss your options. Colorado laws allow for a rollover or an extended payment plan. Rolling over your loan extends your repayment period and may incur an additional fee, increasing the total amount you owe and potentially leading to a debt cycle. Consider an extended payment plan first.
Sources
- 1 Colorado General Assembly — Colorado Revised Statutes, Title 5, Article 3.1: Deferred Deposit Loan Act, §§ 5-3.1-101 to -123. 2025.
- 2 Colorado Department of Law — Code of Colorado Regulations, 4 CCR 902-1-17: Deferred Deposit/Payday Loans.
- 3 Colorado Legislative Council Staff — Initiative #126: Limitations on Payday Loans. 2018.
- 4 Colorado Secretary of State — Proposition 111: Limits on Payday Loan Charges Initiative. Approved November 6, 2018; effective February 1, 2019.
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