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Cash Advance in Denver, 80220

Denver, the bustling capital of Colorado, is home to a diverse population with varied financial needs. While the city offers numerous opportunities, there might come a time when residents find themselves in need of a quick financial boost. Cash advances and payday loans are options available to Denver residents, but they come with their own sets of rules, advantages, and disadvantages.

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

How Do Payday Loans Work in Denver, Colorado?

Payday loans, often known as cash advances, are short-term loans designed to help borrowers cover unexpected expenses until their next paycheck.

  • How much cash can you get? In Denver, payday loan amounts can vary based on the lender and the borrower's income. However, state regulations limit the loan amount to $500.
  • What are the APRs? While specific APRs can vary by lender, Colorado has regulations in place to cap the annual percentage rate (APR) on payday loans to 36%.
  • Repayment Schedule: The minimum loan term in Colorado is six months. Borrowers are also protected from rolling over a loan, ensuring they don't get trapped in endless cycles of debt.
  • How fast do I get the money? Often, once approved, borrowers can receive funds as quickly as the next business day.

3 Easy Steps To Get a Cash Advance Loan in Denver


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

How to Get a Cash Advance and Payday Loan in Denver

  1. Research and Choose a Lender: Before taking a loan, it’s essential to do thorough research. We connect prospects with trusted third-party lenders in our network to ensure reliable service and terms.
  2. Fill Out an Application: This often includes providing personal, employment, and financial details.
  3. Review Terms and Approve: If approved, you’ll be presented with loan terms. Ensure you understand all aspects before accepting.
  4. Receive Funds: Once agreed, funds are usually deposited into your bank account.
  5. Repay: Ensure you repay the loan as per the agreed terms to avoid additional fees or impacts on your credit score.

What are the requirements for getting a cash advance?

The exact requirements can differ slightly among lenders, but they generally include:

  • Being at least 18 years old
  • Proof of steady income
  • An active bank account
  • A valid government-issued ID

What are the alternatives?

Before diving into a payday loan, it’s wise to consider alternatives and weigh their pros and cons.

Personal LoansLower interest rates, longer repayment termsHarder approval process, higher loan amounts might lead to more debt
Payment PlansSpreads out payments, might avoid interestNot always available, can impact credit if missed
Credit Union LoansOften lower interest rates, regulatedMembership requirements, still carries debt
Borrowing from Friends/FamilyNo official interest, flexible termsCan strain relationships, no formal agreement

Payday Loans for Bad Credit in Denver

Denver, the capital city of Colorado, serves as a financial hub for many of its residents. However, not everyone in the city has a stellar credit score. Some might find themselves with bad credit due to past financial mistakes, unexpected life events, or other circumstances. For these individuals, traditional financial products might be out of reach. Payday loans present an alternative, especially for those with bad credit.

The Appeal for Borrowers with Bad Credit

Payday loans are attractive to individuals with bad credit for several reasons:

  1. No Traditional Credit Checks: Most payday lenders in Denver don’t rely on traditional credit checks, making it easier for individuals with bad credit to obtain a loan. Instead, they might assess the borrower’s current financial situation, such as their employment status and monthly income.
  2. Quick Approval Process: With the urgent need for funds, the speed of payday loan approvals becomes a significant advantage. Once approved, borrowers can often access their funds within a day.
  3. Short-term Commitment: These loans are typically due by the borrower’s next payday, meaning borrowers won’t have a long-term debt hanging over them.

Downsides to Consider

While payday loans provide a lifeline to those with bad credit in Denver, there are notable downsides:

  1. High Interest Rates: Even though Colorado has capped the annual percentage rate (APR) for payday loans at 36%, this is still higher than many other types of credit.
  2. Potential for Debt Cycle: The short-term nature of payday loans might seem advantageous, but if borrowers aren’t able to repay the loan in time, they might need to take out another loan to cover the previous one. This can lead to a cycle of debt that’s hard to escape.
  3. Fees and Penalties: Failure to repay the loan on time can lead to added fees. Moreover, if a check bounces or there are insufficient funds in the account, borrowers might face additional charges.

Restoring Credit Score

For those in Denver with bad credit, here are some steps to consider towards rebuilding a positive credit score:

  1. Timely Repayment: Ensuring the payday loan is paid back on time can help avoid negative marks on one’s credit history.
  2. Credit Counseling: Seek advice from reputable credit counseling agencies in Denver. They can provide guidance on managing debt and improving credit scores.
  3. Monitor Credit Reports: Regularly check credit reports for errors or discrepancies and address them promptly.
  4. Limit New Debt: Avoid taking on additional loans or credit unless absolutely necessary. Focus on managing and paying down existing debt.
  5. Establish a Budget: A well-structured budget can help in managing finances, ensuring bills are paid on time, and avoiding unnecessary expenses.

In conclusion, while payday loans offer a solution for those with bad credit in Denver, it’s crucial to approach them with caution. Thoroughly understanding the terms and being aware of the potential pitfalls can help borrowers make informed decisions. For long-term financial health, focus on improving credit scores and seeking financial counseling when needed.


Are online payday loans available in Denver?

Yes, many lenders offer online payday loans to Denver residents.

Are there any penalties for repaying the loan early?

Colorado law prohibits lenders from charging penalties for early repayment.

Can I get a payday loan if I’m not a resident of Denver but just working here?

Yes, payday loans are typically based on employment and income, not residency.

How many payday loans can I have at one time in Denver?

Colorado law allows borrowers to have one outstanding payday loan at a time.

What happens if I can’t repay my payday loan in Denver?

If you can’t repay, it’s crucial to communicate with your lender. Colorado law offers certain protections, but avoiding communication can lead to added fees or legal actions.


Phone number

(720) 664-7549



4217 E Colfax Ave ste 103, Denver, CO, 80220


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations


6441 E Hampden Ave #3, Denver, CO 80222


16706 E Iliff Ave f, Aurora, CO 80013

Fort Collins

401 S Meldrum St #9, Fort Collins, CO 80521

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