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Part of the Superb Cash Advance chain · locations
Superb Cash Advance in Lakewood, CO
Lakewood, CO's Superb Cash Advance at 312 S Teller St offers fast payday and title loans Mon-Fri 8:30AM-8:30PM, Sat-Sun 9:30AM-6:30PM.
Data compiled from public sources · Rating from CreditDoc methodology
Superb Cash Advance Review
Superb Cash Advance in Lakewood, CO operates from 312 S Teller St, Suite 13, a standalone location in the downtown Lakewood area. This storefront is open Monday through Friday from 8:30 AM to 8:30 PM, and Saturday through Sunday from 9:30 AM to 6:30 PM, making it accessible for those needing quick financial solutions during business hours.
At this Lakewood location, you can access payday loans and title loans with fast approval times. The team here specializes in short-term lending for residents facing unexpected expenses. Call +1 720-699-8412 to discuss your options or visit in person during business hours.
For Lakewood residents, this branch is convenient for getting emergency cash quickly. Bring a valid photo ID, proof of income, and a bank account statement. Superb Cash Advance has been serving communities like Lakewood with accessible lending solutions.
Services & Features
Bad credit loans ($250–$50,000)
Cash advance loans (up to $1,000)
In-person loan processing at physical storefront
Installment loans with flexible payment schedules
No-credit-check loan products
Payday loans (up to $1,000)
Same-day loans with minimal documentation
Second lien title loans (referenced in customer reviews)
Unsecured personal loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- All credit types accepted — no credit check required
- Same-day approval and same-day cash disbursement
- Extended hours: Mon–Fri 8:30am–8:30pm, Sat–Sun 9:30am–6:30pm
- Multiple loan products under one roof (payday, cash advance, bad credit, installment)
- Unsecured loans — no collateral required for standard products
- Flexible repayment schedules tailored to borrower budgets (per reviews)
- Physical storefront with in-person staff support
Cons
- No APR, interest rate, or fee information disclosed on the location page
- Payday and cash advance products capped at $1,000 — insufficient for larger emergencies
- Several reviews reference the Arvada, CO location, not Atlanta — review authenticity for this branch is unclear
- Short-term payday loan model typically carries very high annualized costs
- No online application details or eligibility criteria published on the page
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Superb Cash Advance legitimate?
Yes. Superb Cash Advance is a registered company, headquartered in 312 S Teller St Ste 13, Lakewood, CO 80226.
Quick Facts
- Headquarters
- 312 S Teller St Ste 13, Lakewood, CO 80226
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Superb Cash Advance
Superb Cash Advance is best for Atlanta consumers with bad or no credit who need cash the same day and prefer face-to-face service with extended hours. The main caveat is that no rates or fees are disclosed publicly, which is a red flag — borrowers should get full cost disclosure in writing before accepting any offer, as payday and cash advance products in this category routinely carry APRs in the triple digits.
Best For
- Bad-credit borrowers who need same-day cash and cannot qualify elsewhere
- Consumers needing small-dollar loans ($250–$1,000) without a credit check
- People who prefer or require in-person service at a physical branch
- Borrowers who need funds outside standard bank hours, including weekends
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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