Payday Loans in Boyes Hot Springs, California

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No payday loan companies in Boyes Hot Springs, CA. Consider companies in other cities:

Company nameAddressZip codePhone number
SESLOC Federal Credit Union 705 Golden Hill Rd, Paso Robles, CA 93446 +1 (805) 543 - 1816
Bank of America with Drive-thru ATM 205 W Ojai Ave, Ojai, CA 93023 +1 (805) 640 - 2944
Westamerica Bank 8019 Lander Ave, Hilmar, CA 95324 +1 (209) 668 - 5440
Check Into Cash 5048 Whittier Blvd, Los Angeles, CA 90022 +1 (323) 264 - 5636
West Valley Financial 1543 E Palmdale Blvd, Palmdale, CA 93550 +1 (661) 947 - 6430
First Imperial Credit Union 1020 S Brawley Ave, Brawley, CA 92227 +1 (760) 352 - 1540
La Mesa Ca Top Auto Car Lender 8697 La Mesa Blvd ste c 502-g, La Mesa, CA 91942 +1 (619) 825 - 2740
Sierra Central Credit Union 3668 Lake Tahoe Blvd, South Lake Tahoe, CA 96150 +1 (800) 222 - 7228
Exchange Bank 1031 Vine St, Healdsburg, CA 95448 +1 (707) 433 - 0400
Montecito Bank & Trust 591 Alamo Pintado Rd, Solvang, CA 93463 +1 (805) 963 - 7511

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Boyes Hot Springs, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dublin, CA, Payday Loans in El Cajon, CA, Payday Loans in El Centro, CA, Payday Loan Companies in El Dorado Hills, CA, Payday Loans in El Monte, CA, Emergency Loan in Elk Grove, CA, Online Loans in Encinitas, CA and Payday Loans in Escondido, 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 Boyes Hot Springs, CA.

Beautiful sights of Boyes Hot Springs, CA

Payday Loans Available in Boyes Hot Springs, CA By The Following ZIP Codes:

95416

Are Payday Loans Legal In Boyes Hot Springs, 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

Boyes Hot Springs, CA payday loan calculator

Payday Loans in Boyes Hot Springs, California:

Payday loans are a type of short-term loan that is typically repaid on the borrower’s next payday. These loans can be a helpful way to cover unexpected expenses, but they come with high interest rates and fees. In California, payday loans are legal, but there are certain regulations in place to protect borrowers.

How Do Payday Loans Work?

Payday loans are designed to provide quick cash to borrowers who are in a tight financial situation. The borrower writes a post-dated check for the loan amount plus fees or gives the lender electronic access to their bank account. The lender then gives the borrower the cash they need, which they must repay on their next payday.

California state law limits payday loans to a maximum of $300 and sets a cap on fees charged for each loan. These loans must have a repayment term of no longer than 31 days.

Who Can Qualify for a Payday Loan?

To be eligible for a payday loan in California, you must have a valid ID, proof of income, and an active checking account. You must also be at least 18 years old and a permanent resident or citizen of the United States.

It’s important to note that payday lenders typically do not perform a credit check, so even borrowers with bad credit or no credit history can qualify for a loan. However, this can come at a steep cost as payday loans come with high interest rates and fees.

What Are the Pros and Cons of Payday Loans?

Payday loans can be a helpful way to cover unexpected expenses, such as car repairs or medical bills. They also offer a fast and easy application process, with funds often available on the same day.

However, payday loans come with high interest rates and fees, which can make them difficult to repay and lead to a cycle of debt. Borrowers should also be wary of payday lenders who engage in predatory lending practices, such as rolling over loans or charging hidden fees.

Interesting Facts and Statistics about Payday Loans in Boyes Hot Springs, California

  • In 2019, there were a total of 143 licensed payday lenders operating in California.
  • The average payday loan in California is for $250, with an average fee of $44 per loan.
  • In a survey of California payday loan borrowers, 25% reported taking out at least 12 payday loans in the past year.

Apply Now

If you’re interested in applying for a payday loan in Boyes Hot Springs, California, TheGuaranteedLoans can help connect you with potential lenders. Remember that we are not a direct lender and do not make credit decisions, but we can facilitate the loan application process for you.

To get started, simply fill out our online application form and we’ll match you with lenders who may be able to offer you a loan. The entire process is fast, easy, and secure. Apply now and get the cash you need today!

F.A.Q.

Can a payday lender require me to sign a contract in order to take out a loan in Boyes Hot Springs, California?

Yes, a payday lender can require you to sign a contract in order to take out a loan in Boyes Hot Springs, California. This contract will outline the terms of the loan, including the interest rate, fees, repayment schedule, and other important details.

Can a payday lender charge me a fee for taking out a loan in Boyes Hot Springs, California?

Yes, a payday lender can charge you a fee for taking out a loan in Boyes Hot Springs, California. This fee is typically a percentage of the amount borrowed and is added to the total cost of the loan. For example, a lender may charge a $10 fee for every $100 borrowed.

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