Colorado has no law written for title loans. A loan secured by your car is treated as an ordinary licensed consumer loan, capped at 36%/21%/15% by balance, or 21% flat if greater (C.R.S. 5-2-201).
Title loan rules in Colorado at a glance
| Title-loan law | None. Car-secured loans follow the consumer-loan rules |
|---|---|
| Rate cap | A vehicle-secured loan from a licensed lender is capped at 36%/21%/15% by balance, or 21% flat if greater (C.R.S. 5-2-201) |
| Repossession | Allowed after default |
| Time to catch up before repossession | 20 days |
| Owe the balance after the car is sold? | Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance |
| Lender license | Required (Colorado UCCC supervised lender licence (Attorney General, Consumer Credit Unit)) |
| Statute | C.R.S. 5-2-201(2), 5-2-214(7), 5-2-301, 5-5-110, 5-5-111, 4-9-609(b) |
Source: C.R.S. 5-2-201(2), 5-2-214(7), 5-2-301, 5-5-110, 5-5-111, 4-9-609(b) (read the law). We last checked it against the statute on October 6, 2026. See title loan laws in every state.
Maximum rate on each part of the balance in Colorado
| Part of the balance | Maximum rate |
|---|---|
| First $1,000 | 36% |
| $1,001 to $3,000 | 21% |
| Above $3,000 | 15% |
Each rate applies only to that part of what you owe, so a larger loan has a blended rate between them (C.R.S. 5-2-201(2)). The rate cap above also has a rule the table doesn't show, so read it as the full rule.
What a title loan costs in Colorado
Under Colorado's rate rules, borrowing $1,000 for 12 months costs $205.55 in interest or fees, so you repay $1,205.55 (36% APR). Your offer may differ.
| Loan | Term | Interest and fees | Total repaid | APR |
|---|---|---|---|---|
| $1,000 | 12 months | $205.55 | $1,205.55 | 36% |
| $2,500 | 12 months | $423.82 | $2,923.82 | 29.95% |
| $5,000 | 12 months | $696.77 | $5,696.77 | 24.8% |
Check whether the lender adds any fees: the written disclosure must show the full cost and the APR with every fee included.
What happens if you can't repay
If you fall behind, the lender can repossess your car, but Colorado gives you 20 days to catch up on missed payments first. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
If you think you will miss a payment, call the lender before the due date and ask what options it offers.
How to check a lender in Colorado
Title lenders in Colorado must be licensed (Colorado UCCC supervised lender licence (Attorney General, Consumer Credit Unit)). Ask the lender for its license number and confirm it with the regulator before you sign. Lenditup does not check lender licenses for you (see how we verify).
Looking for a loan in Colorado?
The lenders in our network don't currently offer title loans in Colorado. If you need money, these options don't put your car at risk:
- A personal loan. You can send one personal loan request; lenders in our network decide whether they lend in Colorado. Read how installment loans work first.
- A credit union. Federal credit unions can offer small payday alternative loans with capped rates (NCUA rule). You usually need to be a member.
- Your creditors. If a bill is the problem, ask the company for a payment plan or a later due date before you borrow.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Colorado law.
Title loan questions for Colorado
01What is the most a title lender can charge in Colorado?
02What happens if I can't repay a title loan in Colorado?
03How do I check that a title lender is licensed in Colorado?
04Is Lenditup a title lender in Colorado?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.