Payday Loans in Avery, California

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No payday loan companies in Avery, CA. Consider companies in other cities:

Company nameAddressZip codePhone number
Connect Home Loans 102 S Vine St # B, Paso Robles, CA 93446 +1 (805) 237 - 8811
ACE Cash Express 404 N Grand Ave c, Santa Ana, CA 92701 +1 (714) 542 - 1958
MERCO Credit Union 5011 Coakley Cir, Mariposa, CA 95338 +1 (209) 723 - 4285
Cash Plus - Hawaiian Gardens 12203 E Carson St, Hawaiian Gardens, CA 90716 +1 (562) 865 - 5741
ACE Cash Express 7900 El Cajon Blvd Ste H, La Mesa, CA 91942 +1 (619) 337 - 2858
Money Mart 1511 Del Paso Blvd, Sacramento, CA 95815 +1 (916) 921 - 2274
Check `n Go 1847 North Hacienda Boulevard, Suite F1, La Puente, CA 91744 +1 (626) 917 - 2277
Check `n Go 2755 Hopyard Rd, Pleasanton, CA 94588 +1 (925) 484 - 2844
A1 Check Cashing of Corning Holiday Shopping Center, 1920 Solano St, Corning, CA 96021
Payday Express 11130 Long Beach Blvd, Lynwood, CA 90262 +1 (424) 393 - 1937

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Avery, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chula Vista, CA, Payday Loans in Citrus Heights, CA, Payday Loan Without a Credit Check in Claremont, CA, Quick Loan in Clovis, CA, Payday Loans in Coachella, CA, Payday Loans in Colton, CA, Payday Loans in Compton, CA and Payday Loans in Concord, CA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Avery, CA.

Beautiful sights of Avery, CA

Payday Loans Available in Avery, CA By The Following ZIP Codes:

95224

Are Payday Loans Legal In Avery, California?

Loan Rates and Fees, Laws and Regulations in California.

California Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$300
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges15% of the amount advanced

Avery, CA payday loan calculator

Payday Loans in Avery, California: What You Need to Know

Payday loans are a popular financing option for people who need quick cash. While these loans can be helpful in certain situations, they also come with significant risks. This article will discuss the ins and outs of payday loans in Avery, California, and help you decide if they are the right option for you.

What are Payday Loans?

Payday loans are a type of short-term loan that typically last two to four weeks. They are intended to provide borrowers with immediate access to cash to cover unexpected expenses, like car repairs or medical bills. Payday loans are commonly available to borrowers even with lower credit scores or bad credit history.

Are Payday Loans Legal in California?

Yes, payday loans are legal in California. However, there are several legal restrictions in place to protect borrowers from high-interest rates and deceptive lending practices.

For example, the maximum loan amount in California is $300, and lenders cannot charge more than 15% in interest fees for every $100 borrowed. Additionally, lenders must disclose all fees and charges upfront to borrowers, and loan repayment terms must be at least 31 days or longer.

How Do Payday Loans Work?

Payday loans are offered by both online and physical lenders. The application process is typically straightforward, with the borrower submitting a loan request form that includes personal information, employment information, and banking details.

Once the lender approves the loan request, they will deposit the loan amount directly into the borrower’s bank account. The borrower will then be required to pay back the loan amount, plus any fees and interest, on or before the due date.

What Are the Risks of Payday Loans?

While payday loans can provide quick cash access to those in need, they also come with significant risks.

The most significant risk associated with payday loans is the high-interest rates and fees. Borrowers can end up paying up to 400% in annual interest fees, which can lead to a cycle of debt that is hard to break.

Additionally, if a borrower fails to repay the loan by the due date, they can incur additional fees and penalties, which can make it even harder to repay the loan. This can lead to a cycle of debt that can be difficult to break.

What Are the Alternatives to Payday Loans?

If you are in need of quick cash, payday loans are not your only option. Here are some alternatives to consider:

  • Credit Card Cash Advance: If you have a credit card, you may be able to take out a cash advance. While the fees and interest rates can be high, they are typically lower than payday loan rates.
  • Personal Loans: Personal loans typically have lower interest rates than payday loans, but they may require higher credit scores or longer application processes.
  • Ask Family and Friends: If you need help covering expenses, consider reaching out to family and friends for a loan.

Interesting Facts About Payday Loans in Avery, California

  • California has more payday lenders than McDonald’s: According to a study by the California Department of Business Oversight, there are more payday lenders in California than there are McDonald’s or Starbucks locations.
  • The average payday loan in California is $250: According to the same study, the average payday loan size in California is $250.
  • Payday lenders in California made over $3.6 billion in loans in 2018: That’s a lot of loans!

Apply Now

If you need quick cash, consider applying for a payday loan through TheGuaranteedLoans. Our online application process is easy and straightforward. Simply fill out the form on our website, and we will work to connect you with a lender who can meet your needs.

It’s important to note that TheGuaranteedLoans is not a direct lender. We are a connector service that works to match borrowers with potential lenders. Once you complete our application form, we will work to find a lender who can offer you the loan that best fits your needs.

Conclusion

Payday loans can be an option for those in need of quick cash, but they come with significant risks. It’s important to understand the fees, interest rates, and repayment terms associated with payday loans before applying.

If you do decide to apply for a payday loan, make sure to choose a lender that is licensed and follows all legal requirements in California. Alternately, you can consider other financing options that may have lower interest rates and better repayment terms.

F.A.Q.

Can a payday lender require me to have a bank account in order to take out a loan in Avery, California?

Yes, a payday lender can require you to have a bank account in order to take out a loan in Avery, California. This is because most payday lenders require borrowers to provide a post-dated check or authorize an electronic withdrawal from their bank account in order to repay the loan.

Can a payday lender require me to provide collateral in order to take out a loan in Avery, California?

No, a payday lender cannot require you to provide collateral in order to take out a loan in Avery, California. Payday loans are unsecured loans, which means that the lender does not have the right to take your property if you fail to repay the loan.

Look for Short-Term Loans in Other Cities:

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