Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Colorado.
Colorado State Information
Payday Loan Legal Status: Legal
Citation:
Colo. Rev. Stat. § 5-3.1-101 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: Max: 40 days
Maximum Finance Rate and Fees: 20%: $0-$300 + 7.5%: $301-$500
Finance Charge for 14-day $100 payday loan: $20
APR for 14-day $100 loan: 520%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: One
Rollovers Permitted: One
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: One $25 NSF fee; Court Costs; Reasonable Attorney’s Fees not to exceed loan amount
Criminal Action: Prohibited – Unless the consumer’s account was closed before the agreed upon negotiation date
Regulator: Colorado Office of the Attorney General
Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203
Phone: (303) 866-4494
Fax: (303) 866-5691
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Alabama.
State of Alabama Payday Loan Laws and
State of Alabama Payday Loan Legislation
The Legal Status payday loans: Legal
Citation:
Ala. Code § 5-18A-1 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: 10-31 days
Maximum Finance Rate and Fees: 17.50%
Finance Charge for 14-day $100 payday loan: $17.50
The APR for 14-day $100 payday loan: 456.25%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: None
Maximum Dollar amount of payday loan is $500
Rollovers Permitted: One
Cooling-off Period: Next business day after 2 continuous loans repaid
Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees:
One $30 NSF fee for returned check
Local Court Costs
Reasonable Attorney’s Fees up to 15% of face amount of check
Criminal Action: Prohibited – Unless is check returned due to closed account
Alabama Payday Loan Information:
Regulator: Alabama Banking Department
Address: P.O. Box 4600 Montgomery AL 36103
Phone: (334) 242-3452
Fax: (334) 353-5961
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