Cash advances in Centennial follow Colorado law: up to $500, fee 36% apr cap, term 6 months min. The state’s typical $300 loan costs $9 in fees and repays $309 — about Max 36% APR.
| County | Arapahoe County |
|---|---|
| Population | 109,932 |
| Median household income | $91,941 |
| Rank in Colorado | #10 by population among covered cities |
| State rules apply | 36% APR Cap · cap $500 |
Why income matters here: high-cost lenders size loans against your deposit flow, not your address. In Centennial, where the median household brings in $91,941 a year, a $300 advance with a $9 fee is one of the smaller recurring hits a budget can take — which is exactly why the cap exists.
| Max amount | $500 |
|---|---|
| Max fee / rate | 36% APR Cap |
| Term | 6 months min |
| Rollovers | Forbidden |
| APR on the typical loan | Max 36% |
| Regulator | Colorado Department of Law - Consumer Credit Unit |
Statute: C.R.S. § 5-3.1-101 et seq. · details on the Colorado state page
Derived from ’s own worked example (a $300 loan carrying a $9 fee). Round figures in dollars.
| Amount | Fee for the term | Total repaid | APR ballpark |
|---|---|---|---|
| $100 | $296 | $396 | Max 36% |
| $255 | $755 | $1,010 | Max 36% |
| $300 | $888 | $1,188 | Max 36% |
| $500 | $1,480 | $1,980 | Max 36% |
Fee rate: 36% apr cap · statute C.R.S. § 5-3.1-101 et seq.. Some states hand you the amount minus the fee; others fund the full amount — your contract controls.
Composite scenarios built from typical situations and the cost math on this page — not quotes from named individuals.
A refrigerator dies in summer. A used replacement is available today at a cash price. The advance buys the replacement now instead of rent-to-own; the $9 fee on a $309 repayment is a one-time cost against months of installments.
One-time fees compound slower than weekly rental contracts — compare totals.
A household is one bill behind and the utility sets a reconnect deadline later this week. Borrowing now keeps the power on and avoids a reconnect charge; repaying $515 on payday costs $15 for the bridge.
Reconnect fees plus deposit requirements often exceed the advance fee — but only compare before borrowing.
Payday lands four days after the rent deadline. The gap is small but the late fee is not. The advance closes the gap on time; repaying $103 — $3 in fees — beats the landlord’s late penalty and a court-filing risk.
Price the loan against the exact penalty it prevents.
Colorado law sets one price for the whole state: up to $500 with 36% apr cap. A typical $300 advance costs $9 and repays $309. City does not change the price — state does.
Storefront locations change often; this site does not list individual stores. The national chains and independents price at the same state cap — verify any location with the Colorado Department of Law - Consumer Credit Unit before you sign. Our cash advance places guide covers the chains and the license check.
Lenders typically want steady income with a deposit history in your account — a pay stub or benefits letter is enough at most no-credit-check lenders. Median household income in Centennial is $91,941; lenders set no city-specific threshold.
Ready to move? Request your cash advance now — free to check, no hard credit pull at this step.
Free check for Centennial, CO · no hard credit pull at this step.
