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 am to 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday Loans, Installment Loans
Visit 1F Cash Advance Store in Denver
If you need quick funds to cover unexpected expenses, 1F Cash Advance is your one-stop financial service company. We offer hassle-free loans across Colorado, ensuring people with bad credit can access fast and fair financial support when they need it.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- 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 an instant loan decision once you submit a form.
Get funded
If approved, receive the funds via a direct deposit on the same day or walk out with cash immediately.*
*Approval is subject to certain qualifications, including your income, debts, employment status, and payment history. Loans originated before 10:30 am 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 reach the age of 18. We do not offer loans to active-duty military service members and their families.
Find Our Store Nearby
Looking for a 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 offering fast and hassle-free payday loans, installment loans, and check cashing services to Denver residents and people across Colorado.
We are a licensed loan company that provides a completely safe borrowing experience, ensuring all the loan terms strictly follow Colorado rules and regulations.
Our friendly team is always 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 money matters.
Current Colorado Payday Loan Rules
| Parameter | Colorado Requirement |
|---|---|
| Maximum loan amount | $500 |
| Minimum repayment term | 6 months |
| No maximum repayment term | ✓ (open) |
| Early repayment penalty | None — lenders must refund prorated fees |
| Maximum APR (post-2018) | 36% |
| APR disclosure required | Yes — Uniform Consumer Credit Code |
| Online/mail lenders | Subject to same 36% cap regardless of physical location |
Why Denver Residents Turn to Short-Term Loans
Many Denver residents turn to short-term loans when expenses outpace income. Rents across Colorado have climbed sharply — some renters have seen monthly costs rise by $1,500 or more since 2020 — while wages haven’t kept pace.1
51.1%
Colorado renters who are “cost-burdened” — spending 30%+ of gross income on housing
80%+
Cost-burdened rate among Colorado renter households earning under $45,000 per year
68.8%
Colorado residents with incomes under $50,000 who reported spending equal to or more than their income (2024 National Financial Capability Study)
25%
Nationwide increase in food costs between 2020 and 2024 (USDA data), adding to household financial pressure1
Your Rights as a Payday Loan Borrower in Colorado
Colorado law requires every licensed lender to follow these rules:
- Cancel within 24 hours. You can rescind any payday loan by 5:00 p.m. the next business day — no penalty, no questions.4
- APR must be disclosed. Your loan agreement must clearly state the Annual Percentage Rate.
- Pay off early, anytime. No prepayment penalties — and the lender must refund any prorated fees.3
- 36% APR cap. No Colorado borrower can be charged more, including by online or mail lenders.3
- File a complaint. If a lender 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.
Watch for unlicensed lenders. Some online payday lenders attempt to operate outside Colorado law by partnering with out-of-state banks or tribal entities. Colorado’s 2023 law specifically targets these arrangements. Before borrowing, verify that any lender is licensed with the Colorado Department of Law.
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 accepts applicants with bad and no credit. We 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?
The common funding times are as soon as the next business day of approval. Applicants approved before 10:30 am on weekdays can receive the loan funds on the same day they apply. Just 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 an NSF fee of up to $25 and involve credit consequences if the loan goes into delinquency. If you find yourself unable to repay the loan on time, contact the number specified in your loan agreement to discuss your options. Colorado laws allow for a rollover or an extended payment plan.
Sources
- 1 Center for Responsible Lending — Buried in Debt: High-Cost Credit Products Harm Working Coloradans. December 2025.
- 2 The Pew Charitable Trusts — Payday Lending in America: Policy Solutions (Report 3). October 2013.
- 3 Colorado Legislative Council Staff — Initiative #126: Limitations on Payday Loans. 2018.
- 4 Colorado Attorney General’s Office — 2011 Deferred Deposit/Payday Lenders Annual Report.
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