Colorado payday loans fall under the Uniform Consumer Credit Code, which regulates terms and requires disclosure of credit cost. Compare the dollar cost and payment schedule, then check whether the full payment fits after essentials and existing debt.
The Attorney General cautions consumers about online or advertised loans that may be tribal-affiliated; the state has found cases charging rates above Colorado law. Ask which entity is the lender and which receives repayment before authorizing a debit.
The UCCC sets consumer-credit terms, disclosures, and remedies. Use the Attorney General’s Credit and Debt complaint route for lender concerns, keeping advertisements, contract disclosures, statements, and collection messages.
Official reference: Colorado Attorney General — Uniform Consumer Credit Code. Checked November 11, 2026.