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The Best Payday Loans in Eaton, CO

Our research team has identified the top 3 payday loan lenders in Eatonbased on experience, customer reviews, approval rates, and transparent lending practices.

3
Top Lenders
4.1/5
Avg Rating
12
Avg Experience
277
Total Reviews

Top Payday Loan Lenders in Eaton

Carefully selected based on experience, customer satisfaction, and transparent lending practices

1

CheckSmart

CheckSmart Financial Services

★★★★☆
4.1/5

CheckSmart is a well-established regional payday lender with a strong presence in northern Colorado, serving Eaton residents from their nearby Greeley location. With over a decade of operation, they offer fast payday loan approvals and cash advance services with transparent terms. Their Greeley store is conveniently located for Eaton customers and provides multiple short-term loan options including installment loans and title loans alongside traditional payday advances.

Experience:14 years
Reviews:89 customer reviews
3617 10th St, Greeley, CO

Loan Types:

Payday LoansCash AdvanceCheck CashingTitle Loans
2

Moneytree

Moneytree Inc.

★★★★☆
4.2/5

Moneytree operates multiple locations throughout Colorado and has been serving the Eaton area from their Greeley branch for over a decade. They specialize in payday loans and cash advances with flexible repayment options. Known for their professional service and clear lending practices, Moneytree offers both in-store and online application options for Eaton residents seeking short-term financial solutions.

Experience:12 years
Reviews:112 customer reviews
2519 11th Ave, Greeley, CO

Loan Types:

Payday LoansCash AdvancePersonal LoansCheck Cashing
3

Advance Financial

Advance Financial Services

★★★★☆
4/5

Advance Financial provides payday loan services to Eaton residents through their Greeley location, offering quick cash advances and flexible short-term lending solutions. With a decade of experience in the Colorado market, they've built a reputation for reliable service and straightforward loan terms. Their location in nearby Greeley makes them easily accessible for Eaton customers needing immediate financial assistance.

Experience:10 years
Reviews:76 customer reviews
2519 8th Ave, Greeley, CO

Loan Types:

Payday LoansCash AdvanceInstallment Loans

Frequently Asked Questions

Common questions about payday loans in Eaton, Colorado

What are the current interest rates and fees for payday loans in Eaton, Colorado?

In Eaton, Colorado, payday lenders can charge a maximum of 45% annual interest rate under state law. This translates to approximately $20 in finance charges per $100 borrowed for a two-week loan. Colorado also caps the loan amount at $500 and prohibits lenders from charging additional fees beyond the stated finance charges. These state regulations help protect Eaton residents from excessive borrowing costs.

What documentation do I need to apply for a payday loan in Eaton?

To apply for a payday loan in Eaton, you'll typically need a valid Colorado driver's license or state ID, recent pay stubs or proof of income, your Social Security number, and active checking account information. Most Eaton lenders require you to show you've been employed for at least 30 days and have a minimum monthly income of around $1,000. Some lenders may also ask for utility bills to verify your Eaton address.

Are there any local Eaton regulations I should know about before getting a payday loan?

While Eaton follows Colorado state payday lending laws, the city doesn't have additional local ordinances specifically regulating payday lenders. However, Colorado law provides important protections including a minimum 6-month repayment term, no rollovers allowed, and a requirement that lenders must be licensed with the Colorado Attorney General's office. Eaton residents should verify their lender is properly licensed before applying.

What happens if I can't repay my payday loan on time in Eaton?

If you're struggling to repay your payday loan in Eaton, Colorado law requires lenders to offer an extended payment plan at no additional cost. You can request this plan if you're unable to pay by the due date, and the lender must give you at least six months to repay in installments. It's important to contact your Eaton lender immediately if you anticipate payment issues, as ignoring the debt can lead to collection actions and damage to your credit.

Where can I find reputable payday lenders in Eaton, and what should I look for?

Eaton has several licensed payday lending locations, primarily along Highway 85 and in the downtown commercial areas. When choosing a lender, verify they're licensed with the Colorado Attorney General's office and clearly display their fees and terms. Reputable Eaton lenders will provide a written agreement detailing all costs and won't pressure you into borrowing more than you need. You can check a lender's license status through the Colorado Uniform Consumer Credit Code database.

Financial Insights

Fast Loans in Eaton, CO: Your Guide to Quick Financial Solutions

When unexpected expenses arise in Eaton, whether it's a car repair on Highway 85 or a surprise medical bill, waiting for traditional bank funding isn't always an option. For residents of our tight-knit Weld County community, understanding the landscape of fast loans can be the key to navigating a financial pinch without unnecessary stress. Fast loans are designed to provide rapid access to funds, often within a business day, but it's crucial to approach them with a clear strategy and local awareness.

Understanding Your Fast Loan Options in Northern Colorado In Eaton and the surrounding areas, you typically have a few avenues for fast funding. Online lenders offer convenience and speed, with applications you can complete from home. Some local storefront lenders may also operate in nearby Greeley or Fort Collins. However, the most important step is identifying the right type of loan for your need. For a true, one-time emergency, a short-term installment loan might be suitable. For smaller, immediate cash needs until your next paycheck, other short-term solutions exist. Always prioritize lenders that are transparent about their rates, fees, and repayment terms. As a local tip, consider your cash flow around Weld County's agricultural and energy sector cycles—align your repayment plan with when you know funds will be available.

Smart Borrowing Practices for Eaton Residents Speed is valuable, but responsibility is essential. First, borrow only what you absolutely need to cover the specific emergency. Second, have a concrete repayment plan before you accept the funds. Calculate how the payment will fit into your monthly budget, considering Colorado's cost of living. Third, be wary of any lender that doesn't clearly perform a credit check or ask about your ability to repay; this is a red flag. Finally, explore all local alternatives first. Could a payment plan with the Eaton service provider help? Is a small loan from a local credit union possible? Using a fast loan should be a calculated decision, not a first resort.

Fast loans can provide a vital bridge during difficult moments for our community members. By educating yourself on the options and borrowing wisely, you can address your immediate financial need without creating a longer-term burden. If you decide a fast loan is right for your situation, always read the agreement thoroughly and ensure you understand all the terms. Here in Eaton, being a well-informed borrower is the best way to secure your financial well-being.

fast loans

Nearby Cities

Looking for payday loan lenders in nearby areas? Check out these cities near Eaton:

How We Rate Eaton Lenders

Our comprehensive 5-star rating system evaluates lenders across multiple criteria to help you find the best payday loan provider in Eaton.

Experience & Reliability

Years in business, approval rates, and specialization in short-term lending.

Customer Reviews & Satisfaction

Verified customer feedback, testimonials, and overall satisfaction ratings.

Terms & Transparency

Clear terms, competitive rates, and transparent lending practices.

Need a Payday Loan in Eaton?

Contact one of our top-rated lenders today for quick approval and competitive rates on your short-term loan needs.