Payday Loans Lyons, CO – Compare Licensed Lenders (2026)

$$500

Max Loan Amount

Active Lenders

15 min

Approval Time

$2K

Population

Lyons, Colorado, with a population of 2,033, offers a unique blend of outdoor charm and diverse industries, contributing to a stable average income of $52,000. The cost of living is notably lower, at 10% below the national average, making it an attractive place for residents. However, unexpected expenses can arise, and in such cases, quick access to payday loans can provide essential financial relief. Understanding the local lending landscape is crucial for making informed decisions about these short-term financial solutions.

About Lyons

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

State Regulations

We're gathering the latest payday loan regulations for your state. In the meantime, please review the terms carefully and check with your state's financial regulator.

CFPB Resources:Learn about payday loans

Where to Find Payday Loans in Lyons

In Lyons, the options for obtaining payday loans are somewhat limited, as there are currently no active storefront lenders available in the area. Residents seeking payday loans will likely need to rely on online-only options to access these financial products. It’s essential for individuals to research reputable lending platforms that comply with state regulations while ensuring quick and secure transactions.

Compare Lenders in Lyons

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Lyons

Calculation

Loan Amount: $$500

Term: $14 days

APR: $36%

Fee: $$0

Total Repayment: $$500

Effective APR: $0.0%

⚠️ Important Notes

✓ For Lyons residents earning $$52,000, this payment is 1.36% of monthly income
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Lyons

✅ Advantages

✓ Process 100% online for convenience
✓ Get a decision in as little as 15 minutes
✓ Available to all residents of Lyons
✓ No collateral required to secure the loan
✓ Early repayment options usually available

❌ Disadvantages

✗ Higher APR than traditional banks
✗ Limited local lending options in Lyons
✗ Credit checks are typically required

💡 Expert Recommendation for Lyons Residents

According to loan expert Rostislav Sikora, residents of Lyons, with its low cost of living, can benefit from short-term payday loans for immediate financial needs. However, it's crucial to evaluate your repayment capacity before proceeding. Always compare APR rates among available lenders and ensure that your monthly payments don't exceed 35% of your income to maintain financial stability.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Lyons, CO

How do I get a payday loan in Lyons, CO?

To get a payday loan in Lyons, CO, you can apply through online lenders that operate in the state, as there are no physical storefronts available.

What's the maximum I can borrow in Lyons?

In Lyons, the maximum payday loan amount you can borrow is $500, as per state regulations.

Can I get approved with bad credit in Lyons?

Yes, many online lenders in Lyons may offer payday loans to individuals with bad credit, but terms and conditions may vary.

Are there storefronts in Lyons or is it online only?

Currently, there are no storefront lenders in Lyons, so residents must seek online options for payday loans.

How fast can I get money in Lyons?

If approved, you could receive your funds within one business day when applying for a payday loan online in Lyons.

What documents do I need to apply for a payday loan in Lyons?

Typically, you will need to provide identification, proof of income, and your bank account details to apply for a payday loan in Lyons.

Are payday loans in Lyons regulated?

Yes, payday loans in Lyons, CO, are regulated by state laws that cap the APR at 36%.

What happens if I can't pay back my payday loan in Lyons?

If you can't repay your payday loan in Lyons, you may incur additional fees or interest, and it could impact your credit score.

Can I extend my payday loan in Lyons, CO?

Extensions on payday loans may be available, but you should check with your lender for specific options and associated fees.

Are payday loans in Lyons suitable for emergencies?

Payday loans can be suitable for emergencies in Lyons, but they should be used cautiously due to the high APR.

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Lyons, CO and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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