Black Forest, CO · West · 36% APR cap
Payday loans in Black Forest
Black Forest is governed by Colorado's statewide lending law — cities don't set their own loan rules. Colorado does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Black Forest
12,959 residents · El Paso County Median household income is $105,313 — above the Colorado median of $68,920.
| Nearest storefronts | Town | Phone |
|---|---|---|
| ACE Cash Express | Colorado Springs 14 mi | (719) 574-2341 |
| ACE Cash Express | Colorado Springs 14 mi | (719) 634-4268 |
| ACE Cash Express | Fountain 23 mi | (719) 391-8523 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Colorado page before visiting. Spot an error? Report it.
The online route in Black Forest
Online lenders can serve Black Forest without a storefront — but Colorado's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Colorado regulator.
The rules behind the numbers
Deferred deposit loans in Colorado are subject to a maximum 36% annual percentage rate limit.
In practice: borrow $300 for a standard term and the finance charge is $8.88 — $308.88 repaid at the end, about Max 36% APR. Every compliant lender in Black Forest has to fit inside that schedule.
Statute: C.R.S. § 5-3.1-101 et seq.
Regulator: Colorado Department of Law - Consumer Credit Unit · coag.gov
Questions people ask in Black Forest
Why doesn't Black Forest have classic payday stores?
Colorado caps small-loan APR at 36%, and that state cap applies in Black Forest exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Black Forest?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Black Forest residents is not licensed here.
What lending storefronts are in Black Forest?
Our 2022-02-20 directory snapshot lists no storefront lenders in Black Forest — the closest listed locations are in Colorado Springs, Fountain.
Who enforces the cap in Black Forest?
Complaints about a lender go to the Colorado Department of Law - Consumer Credit Unit (coag.gov) — keep the loan agreement and every fee disclosure you were given.