Car Title Loans in Colorado2026 Guide
Colorado effectively prohibits title loans through its Uniform Consumer Credit Code.
Legal Status & Regulations
Governing Law
Colo. Rev. Stat. § 5-1-101
Last Reviewed: April 2026
Law Summary
Colorado prohibits high-interest title lending through the Uniform Consumer Credit Code (Colo. Rev. Stat. § 5-1-101). The state enforces strict interest rate caps on all consumer loans, typically limiting APRs to 36% or lower. This regulatory environment prevents the operation of traditional high-APR title lenders, ensuring that all vehicle-secured loans remain within affordable limits for residents.
Real Rate Example in Colorado
A $1,500 loan in Colorado at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
Colorado Attorney General