Payday Loans in Cedar Ridge, California

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

Company nameAddressZip codePhone number
ACE Cash Express 1221 N State St Ste B, San Jacinto, CA 92583 +1 (951) 654 - 0736
AFC Automotive Finance Corp. 6233 Blacktop Rd, Rio Linda, CA 95673 +1 (916) 238 - 9010
LTV Private Equity 75280 CA-111 STE 101, Indian Wells, CA 92210 +1 (760) 834 - 8689
EZ Cash Plus INC. 823 N Adams St, Dixon, CA 95620 +1 (707) 678 - 5300
Union Bank 9760 Mission Gorge Rd, Santee, CA 92071 +1 (619) 596 - 8267
Advance America 9372 Madison Ave Ste. 2, Orangevale, CA 95662 +1 (916) 988 - 5347
California Bank & Trust 24012 Calle De La Plata # 140, Laguna Hills, CA 92653 +1 (949) 830 - 7440
Advance America 5194 Arlington Ave, Riverside, CA 92504 +1 (951) 509 - 1081
Premier America Credit Union 30730 Russell Ranch Rd Suite G, Westlake Village, CA 91362 +1 (800) 772 - 4000
Union Bank 100 W Hobsonway, Blythe, CA 92225 +1 (760) 922 - 3174

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedar Ridge, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Woodland, CA, Payday Loan for Yorba Linda, CA, Payday Loans in Yuba City, CA, Payday Loans in Yucaipa, CA, 24-Hour Loan in Adelanto, CA, Payday Loans in Alameda, CA, Quick Loan in Alhambra, CA and Payday Loan Companies in Aliso Viejo, 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 Cedar Ridge, CA.

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

95924

Are Payday Loans Legal In Cedar Ridge, 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

Cedar Ridge, CA payday loan calculator

Overview of Payday Loans in Cedar Ridge, California

Payday loans have become increasingly popular in California as many people face financial hardship due to high living costs. In Cedar Ridge, California, payday loans are legal, and they are regulated by the California Department of Business Oversight (DBO).

How do Payday Loans work?

Payday loans are short-term loans that typically range from $100 to $1,000. These loans are meant to be repaid on the borrower’s next payday, which is usually within two to four weeks.

Borrowers are typically required to provide proof of income, such as a paystub or bank statement, and show that they have an active bank account. The lender will then deposit the loan amount into the borrower’s account and deduct the loan amount plus fees on the borrower’s next payday. Alternatively, borrowers can write a postdated check for the loan amount plus fees.

The Pros and Cons of Payday Loans in Cedar Ridge, California

Like any financial product, payday loans have their advantages and disadvantages. Here are some of the pros and cons of taking out a payday loan in Cedar Ridge, California:

Pros:

  • Easy and fast application process – you can apply for a payday loan in Cedar Ridge, California, online or in person, and in many cases, get approved within minutes.
  • No credit check required – unlike traditional loans, payday lenders typically don’t require a credit check, making them more accessible to people with less than perfect credit.
  • Flexible loan amounts – payday loans in Cedar Ridge, California, typically range from $100 to $1,000, which can be useful for unexpected expenses.

Cons:

  • High interest rates – payday loans in Cedar Ridge, California, are associated with high-interest rates, which can be as much as 460% APR.
  • Short repayment period – payday loans typically have to be repaid on the borrower’s next payday, which can be challenging if the borrower can’t afford to repay the loan plus fees in such a short time.
  • Potential for debt cycle – payday loans can become a debt cycle for some borrowers who may have to take out additional loans to repay the first loan, resulting in a cycle of debt and high-interest rates.

Interesting facts and statistics about Payday Loans in Cedar Ridge, California

  • As of January 2021, there were 2,356 payday lenders operating in California.
  • The average payday loan amount in California is $250.
  • California law caps payday loans at $300, and lenders can only charge a maximum of 15% in fees.

Apply Now

If you’re considering a payday loan in Cedar Ridge, California, apply now on TheGuaranteedLoans website. Keep in mind that TheGuaranteedLoans is not a direct lender, but we will work with our network of lenders to find a loan that meets your needs. Our application process is fast and simple, and we provide fast approvals to help you get the money you need when you need it.

Remember to borrow responsibly and only borrow what you can afford to repay. Payday loans are a useful financial tool when used correctly, but they should not be used to solve long-term financial problems.

F.A.Q.

Are there any alternatives to payday loans in Cedar Ridge, California?

Yes, there are several alternatives to payday loans in Cedar Ridge, California, such as credit unions, small personal loans, or financial assistance programs.

Can I be sued or have my wages garnished if I default on a payday loan in Cedar Ridge, California?

If you default on a payday loan in Cedar Ridge, California, the lender may attempt to collect the debt through legal means, such as suing you or garnishing your wages. However, California law protects borrowers from excessive or unfair collection practices.

Look for Short-Term Loans in Other Cities:

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