The coloration of cotton fabric with wild application has attracted extensive attention to cotton fiber, due to the efficient utilization of renewable industrial crops. However, the utilization of rapid in-situ synthesis of metal oxides with color is inadequate. Herein, a rapid strategy for constructing multi-color cotton fabric is designed to propose a rapid in-situ synthesis of metal oxides on the surface of cotton fiber in a high-temperature organic solvent system within 40 s. The colored metal oxide of cuprous oxide (Cu2O), tungsten trioxide (WO3), and cobalt molybdate (CoMoO4) are in-situ synthesis on the surface of cotton fibers by different precursor solutions. The bright-colored cotton fabrics are developed within 40 s as well as satisfactory K/S values of 7.53, 2.67, and 0.98, for Cu2O (Cu2O-Cotton), WO3 (WO3-Cotton), and CoMoO4 (CoMoO4-Cotton), respectively. The stable structure of the various colored cotton fabrics is demonstrated by level 3 of rubbing fastness and washing fastness, and acceptable air permeability. Moreover, assigned to the nature of particles, the colored cotton fabrics are fabricated with thermal stability and better ultraviolet protection factors. The rapid in-situ metal oxides with precursor solutions provide a time- and water-saving method to prepare colored cotton fabrics, which exhibits an ideal efficiency, and practical potential application for coloring and functionalization.