Wheat Ridge, CO · West · 36% APR cap
Payday loans in Wheat Ridge
Wheat Ridge is governed by Colorado's statewide lending law — cities don't set their own loan rules. Colorado does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Wheat Ridge
31,372 residents · Jefferson County Median household income is $47,841 — below the Colorado median of $68,920.
| Nearest storefronts | Town | Phone |
|---|---|---|
| ACE Cash Express | Lakewood 4 mi | (303) 232-3073 |
| Advance America | Lakewood 4 mi | (303) 237-2997 |
| 1FirstCashAdvance - Colorado | Denver 5 mi | (720) 807-1535 |
| ACE Cash Express | Denver 5 mi | (303) 458-3620 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Colorado page before visiting. Spot an error? Report it.
The online route in Wheat Ridge
Online lenders can serve Wheat Ridge without a storefront — but Colorado's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Colorado regulator.
The rules behind the numbers
Deferred deposit loans in Colorado are subject to a maximum 36% annual percentage rate limit.
In practice: borrow $300 for a standard term and the finance charge is $8.88 — $308.88 repaid at the end, about Max 36% APR. Every compliant lender in Wheat Ridge has to fit inside that schedule.
Statute: C.R.S. § 5-3.1-101 et seq.
Regulator: Colorado Department of Law - Consumer Credit Unit · coag.gov
Questions people ask in Wheat Ridge
Why doesn't Wheat Ridge have classic payday stores?
Colorado caps small-loan APR at 36%, and that state cap applies in Wheat Ridge exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Wheat Ridge?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Wheat Ridge residents is not licensed here.
What lending storefronts are in Wheat Ridge?
Our 2022-02-20 directory snapshot lists no storefront lenders in Wheat Ridge — the closest listed locations are in Lakewood, Denver.
Who enforces the cap in Wheat Ridge?
Complaints about a lender go to the Colorado Department of Law - Consumer Credit Unit (coag.gov) — keep the loan agreement and every fee disclosure you were given.