Colorado Promissory Notes

Create a legally compliant Colorado promissory note that complies with state usury limits and includes all required provisions. Choose the note type that fits your lending situation, fill out the guided form, and download your professional PDF for $7.99.

Secured Promissory Note

For loans backed by collateral such as a vehicle, property, or equipment. The lender can seize the collateral if the borrower defaults.

Complies with Colorado usury limits (max 45%). Includes collateral description and default remedies.

Create Secured Promissory Note

Unsecured Promissory Note

For loans based solely on the borrower's promise to pay, with no collateral pledged. Common for personal and family loans.

Colorado statute of limitations: 6 years. Max interest rate: 45%.

Create Unsecured Promissory Note

Installment Promissory Note

For loans repaid in fixed periodic payments over a set term. Includes a detailed payment schedule with amounts and due dates.

Includes amortization-ready payment terms compliant with Colorado usury law (45% max rate).

Create Installment Promissory Note

Demand Promissory Note

Payable in full when the lender demands repayment. No fixed schedule or maturity date. Common for informal arrangements.

Payable on demand under Colorado law. Includes usury savings clause and default provisions.

Create Demand Promissory Note

Colorado Usury Law and Note Requirements

Max Interest Rate 45%

Rate Description 45% maximum for consumer loans

Default Rate 12%

Penalty for Exceeding Usury Limit Excess interest voided

Statute of Limitations 6 years

Notarization Required Not required (recommended)

Witness Required Not required

Governing Agency Colorado District Courts

Colorado usury law is governed by Colorado District Courts. The maximum allowable interest rate is 45% (45% maximum for consumer loans). Penalties for exceeding the usury limit include: Excess interest voided. The statute of limitations for enforcing a promissory note in Colorado is 6 years. Notarization is not required but recommended. Our documents are designed to comply with Colorado law and include all required provisions.

Create Your Colorado Promissory Note

Usury-compliant, professionally formatted, and ready to sign. Download your PDF instantly for $7.99.

Get Started