Important: All rates and terms are subject to Colorado state regulations and may vary based on individual circumstances. Final terms will be disclosed and agreed upon before loan completion.
Cash Advance Products
Standard Cash Advance
Our standard cash advance product is designed for short-term financial needs with quick approval and flexible repayment options.
| Loan Amount |
Fee |
Term |
Total Amount Due |
APR Range* |
| $100 |
$15 |
14 days |
$115 |
391% - 521% |
| $200 |
$30 |
14 days |
$230 |
391% - 521% |
| $300 |
$45 |
14 days |
$345 |
391% - 521% |
| $400 |
$60 |
14 days |
$460 |
391% - 521% |
| $500 |
$75 |
14 days |
$575 |
391% - 521% |
*APR (Annual Percentage Rate) ranges are provided for comparison purposes. Actual APR may vary based on term length and individual circumstances.
Loan Calculator
Use our calculator to estimate your loan costs. This is for informational purposes only - actual terms may vary.
Extended Payment Plans
For qualified borrowers experiencing difficulty with repayment, we may offer extended payment plans at no additional cost.
Extended Payment Plan Features:
- Available for borrowers in good standing
- No additional fees for extended payment plans
- Payments divided into equal installments
- Must be requested before loan due date
- Subject to Colorado state regulations
Payment Plan Eligibility: Extended payment plans are available once per 12-month period for qualifying borrowers. Contact us before your due date to discuss options.
Additional Fees and Charges
| Fee Type |
Amount |
When Applied |
| Returned Payment Fee |
$25 |
When payment is returned unpaid by bank |
| Late Payment Fee |
$15 or 5% of payment amount (whichever is greater) |
After 10-day grace period following due date |
| Verification Fee |
$5 |
For additional verification services when required |
| Collection Fee |
As permitted by Colorado law |
For collection activities after default |
Avoiding Additional Fees: The best way to avoid additional fees is to repay your loan on time. Contact us immediately if you anticipate difficulty making your payment.
Loan Terms and Conditions
Eligibility Requirements
- Must be at least 18 years of age
- Must be a resident of Colorado
- Must have a valid government-issued photo ID
- Must have a verifiable source of income
- Must have an active checking account
- Must provide accurate and complete information
Loan Limits
- Minimum loan amount: $100
- Maximum loan amount: $1,000 (subject to income verification)
- Maximum of one outstanding loan at a time
- Total fees may not exceed 17% of the face amount of the check
Repayment Terms
- Standard term: 14 days from loan date
- Extended terms available: Up to 30 days for qualified borrowers
- Payment due in full on due date unless extended payment plan is arranged
- Automatic withdrawal from designated checking account (when authorized)
- Alternative payment methods available
Colorado State Regulations
Our loan products comply with Colorado state law, including:
Colorado Check Cashers Act
- Maximum fee of 17% of check face value
- Minimum 7-day holding period for post-dated checks
- Right to redeem check before deposit
- Required written agreement for all transactions
Colorado Deferred Presentment Services Act
- Maximum loan amount of $1,000
- Maximum term of 45 days
- No rollover restrictions beyond state law
- Required disclosure of all terms and conditions
State Compliance: We are licensed and regulated by the State of Colorado. Our practices are regularly reviewed to ensure compliance with all applicable state laws and regulations.
Payment Methods
Automatic Withdrawal (Recommended)
Authorize automatic withdrawal from your checking account on the due date to ensure timely payment and avoid late fees.
Online Payments
Make payments securely online through our website using your bank account information.
In-Person Payments
Visit our Denver location to make payments in person with cash, check, or money order.
Payment Processing: Payments received after 3:00 PM may be processed the next business day. Plan accordingly to avoid late fees.
Truth in Lending Disclosure
As required by federal law, we provide Truth in Lending disclosures for all loan products. Key disclosures include:
- Finance Charge: The dollar amount the credit will cost you
- Annual Percentage Rate (APR): The cost of your credit as a yearly rate
- Amount Financed: The amount of credit provided to you
- Total of Payments: The amount you will pay after making all payments as scheduled
- Payment Schedule: The number, amount, and timing of payments
Complete Truth in Lending disclosures will be provided before you sign any loan agreement.
Right to Cancel
You have the right to cancel your loan agreement:
- By the end of the next business day after signing the agreement
- By returning the full loan amount
- Without paying any fees or charges
- Either in person or by contacting us by mail
Cancellation Notice: To cancel your loan, visit our location at 1312 17TH St Ste 811 Denver, CO.
Contact Information
For questions about rates, terms, or to discuss your loan options:
Advance Finance LLC
1312 17TH St Ste 811
Denver, CO, 80202-1508
Email: support@paydayloancompass.com
Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM
Saturday: 9:00 AM - 3:00 PM
Sunday: Closed
Important Reminder: Cash advances are designed for short-term financial needs. Consider all alternatives before borrowing and only borrow what you can afford to repay.