Car Title Loans in Colorado2026 Guide
Car title loans are prohibited in Colorado under the Uniform Consumer Credit Code (C.R.S. § 5-1-101) which enforces a strict 36% APR cap. Learn consumer rights and legal alternative loans in 2026.
Legal Status & Regulations
Governing Law
Colo. Rev. Stat. § 5-1-101
Last Reviewed: April 2026
Law Summary
High-cost car title loans are banned in Colorado under the Uniform Consumer Credit Code (Colo. Rev. Stat. § 5-1-101). Colorado enforces an all-inclusive 36% APR cap on consumer credit transactions, enforced by the Consumer Credit Unit of the Colorado Attorney General. Lenders are barred from holding vehicle titles as collateral for predatory, triple-digit interest rate loans.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
Colorado Attorney General