Car title loans in Colorado: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Colorado title loan rules at a glance
| Governing law | Colorado Uniform Consumer Credit Code - supervised loans (C.R.S. §§ 5-2-201, 5-2-301) |
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Your options in Colorado
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Colorado personal loans.
Credit services / credit access businesses
Colorado's Credit Services Organization Act covers credit repair and credit restoration companies. It is not a payday or title-loan lending channel. (Colorado Credit Services Organization Act (C.R.S. Title 5))
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arizona | Legal | — |
| Kansas | Legal | — |
| Nebraska | Not available | — |
| New Mexico | Not available | — |
| Oklahoma | Limited | — |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on… |
| Wyoming | Limited | — |
Personal loans by city in Colorado
Counties in Colorado
Show all 64 counties
Also see: Payday Loans in Colorado · Personal Loans in Colorado · All Colorado loan options
Frequently asked questions
Are title loans legal in Colorado?
Colorado has no title-loan statute. Non-bank consumer loans priced above 12% are "supervised loans" under the Uniform Consumer Credit Code and must follow its licensing rules and rate caps.
Can I get a title loan on a financed car in Colorado?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Colorado will tell you what they can offer.
Can I refinance my title loan in Colorado?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Colorado rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
How much can I get for a title loan in Colorado?
The amount depends mainly on your vehicle's value, along with your income and Colorado rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
What do I need for a title loan in Colorado?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Colorado, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.