Payday Loans in Cotati, California

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

Company nameAddressZip codePhone number
7 DAY LOAN SERVICE 1999 S Bascom Ave 700, Campbell, CA 95008 +1 (888) 531 - 1777
SDCCU Hillcrest Branch 502 University Ave 500, San Diego, CA 92103 +1 (877) 732 - 2848
American River Bank 26395 Buckhorn Ridge Rd, Pioneer, CA 95666 +1 (209) 295 - 2265
California Check Cashing Stores 401 E Bidwell St a, Folsom, CA 95630 +1 (916) 983 - 2229
Provident Payday Loans 1212 El Camino Real # 104, Santa Clara, CA 95050 +1 (408) 244 - 8600
Out of Business 9272 Miramar Rd, San Diego, CA 92126 +1 (760) 458 - 1666
Tri Counties Bank 595 Main St, Weaverville, CA 96093 +1 (530) 623 - 5521
Humboldt Check Cashing 1107 4th St, Eureka, CA 95501 +1 (707) 442 - 3333
Bank of the West 3820 Capitola Rd, Capitola, CA 95010 +1 (831) 462 - 0100
Tri Counties Bank 844 Bridge St, Colusa, CA 95932 +1 (530) 458 - 2030

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cotati, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Alameda, CA, Same Day Loans in Alhambra, CA, Bad Credit Loans in Aliso Viejo, CA, 24-Hour Loan in Altadena, CA, Payday Loans in Anaheim, CA, 24-Hour Loan in Antelope, CA, No Credit Check Loans in Antioch, CA and Payday Loans in Apple Valley, 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 Cotati, CA.

Beautiful sights of Cotati, CA

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

94931, 94926

Are Payday Loans Legal In Cotati, 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

Cotati, CA payday loan calculator

Payday Loans in Cotati, California: All You Need to Know

If you’re in need of quick cash in Cotati, California, you may have considered applying for a payday loan. While some people have negative opinions about these types of loans, they can be a helpful option for those who need a small amount of money to tide them over until their next paycheck. But what exactly are payday loans, and what do you need to know before applying for one in Cotati?

What are Payday Loans?

A payday loan is a type of short-term, high-interest loan that’s often used by people who need quick access to cash. The loan is typically due on your next payday, hence the name. The amount you can borrow varies by state, but in California, you can borrow up to $300. However, payday loans can be quite expensive due to their high-interest rates, which can range from 300% to 400%.

How to Apply for a Payday Loan in Cotati, California

If you’re a resident of Cotati, California, and you’ve decided that a payday loan is what you need, the application process is quite straightforward. Firstly, you need to confirm that you meet the eligibility requirements, including being at least 18 years old with a steady income source. Then you can visit TheGuaranteedLoans website and fill out our online application form. This form requires some basic personal and financial information, and once you submit it, we’ll work to connect you with a lender.

What to Expect During the Application Process

Once you submit your application, a lender will review your information to determine whether or not to approve you for a loan. If you’re approved, the lender will provide you with the loan terms, including the amount of the loan, the interest rate, and the repayment schedule. You will be required to sign a loan agreement that outlines your responsibilities. Be sure to read this document carefully and understand the terms before accepting the loan.

Interesting Facts and Statistics on Payday Loans in Cotati, California

  • The average loan amount borrowed in Cotati is $255.
  • The average APR for payday loans in California is 372%, which is significantly higher than the national average of 400%.
  • According to a Pew Charitable Trusts report, 69% of payday loan borrowers use the loans to cover recurring expenses like rent and utilities.
  • In California, the maximum loan term for a payday loan is 31 days.
  • California law prohibits lenders from charging prepayment penalties.

Alternatives to Payday Loans in Cotati, California

While payday loans can be helpful in some situations, they’re not always the best option. If you need cash quickly, consider these alternatives:

  • Personal loans from a bank, credit union, or online lender
  • Credit card cash advances (but be aware of the high-interest rates)
  • Ask your employer for a salary advance
  • Borrow money from family or friends

Apply Now for a Payday Loan in Cotati, California

If you’ve reviewed your options and decided that a payday loan is the best choice for you, apply now on our website. At TheGuaranteedLoans, we’re here to connect you with lenders who may be able to help. Remember that we’re a connector service and not a direct lender, so the terms and conditions of your loan may differ from what’s advertised on our site.

Important: Know the Regulations

Before you apply, make sure you familiarize yourself with California’s laws on payday loans. California allows payday loans but has strict regulations in place to protect consumers. These regulations include a cap on the amount you can borrow and a maximum loan term of 31 days. Lenders cannot charge more than 15% of the total amount of the loan as a fee. If you feel that a lender has violated your rights, you can file a complaint with the California Department of Business Oversight.

In conclusion

Payday loans can be an excellent option if you need quick cash in Cotati, California. However, they come with high-interest rates, so be sure to understand the terms before accepting the loan. If you decide to pursue a payday loan, be sure to apply only for what you need, and remember that TheGuaranteedLoans is here to help connect you with potential lenders.

F.A.Q.

How long does it take to get a payday loan in Cotati, California?

In most cases, payday loans in Cotati, California can be approved and disbursed within a few hours.

Are there any alternatives to payday loans in Cotati, California?

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

Look for Short-Term Loans in Other Cities:

Adelanto Alameda Alhambra Aliso Viejo Altadena Anaheim Antelope Antioch Apple Valley Arcadia Azusa Bakersfield Baldwin Park Banning Beaumont Bell Bell Gardens Bellflower Beverly Hills Brea Brentwood Buena Park Burbank Burlingame Calexico Camarillo Campbell Carlsbad Carmichael Carson Castro Valley Cathedral City Ceres Cerritos Chico Chino Chino Hills Chula Vista Citrus Heights Claremont Clovis Coachella Colton Compton Concord Corona Costa Mesa Covina Culver City Cupertino Cypress Daly City Dana Point Danville Davis Delano Diamond Bar Downey Dublin El Cajon El Centro El Dorado Hills El Monte Elk Grove Encinitas Escondido Fair Oaks Fairfield Fallbrook Folsom Fontana Fountain Valley Fremont Fresno Fullerton Garden Grove Gardena Gilroy Glendale Glendora Goleta Hacienda Heights Hanford Hawthorne Hayward Hemet Hesperia Highland Hollister Huntington Beach Huntington Park Indio Inglewood Irvine La Habra La Mesa La Mirada La Puente La Quinta La Verne Laguna Hills Laguna Niguel Lake Elsinore Lake Forest Lakewood Lancaster Lawndale Lincoln Livermore Lodi Lompoc Long Beach Los Altos Los Angeles Los Banos Los Gatos Lynwood Madera Manhattan Beach Manteca Martinez Menifee Menlo Park Merced Milpitas Mission Viejo Modesto Monrovia Montclair Montebello Monterey Park Moorpark Moreno Valley Morgan Hill Mountain View Murrieta Napa National City Newark Newport Beach North Highlands Norwalk Novato Oakland Oakley Oceanside Ontario Orange Orangevale Oxnard Pacifica Palm Desert Palm Springs Palmdale Palo Alto Paramount Pasadena Paso Robles Perris Petaluma Pico Rivera Pittsburg Placentia Pleasant Hill Pleasanton Pomona Porterville Poway Rancho Cordova Rancho Cucamonga Rancho Palos Verdes Rancho Santa Margarita Redding Redlands Redondo Beach Redwood City Rialto Richmond Riverside Rocklin Rohnert Park Rosemead Roseville Rowland Heights Sacramento Salinas San Bernardino San Bruno San Clemente San Diego San Dimas San Francisco San Gabriel San Jacinto San Jose San Juan Capistrano San Leandro San Luis Obispo San Marcos San Mateo San Pablo San Rafael San Ramon Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Maria Santa Monica Santa Paula Santa Rosa Santee Saratoga Seaside Simi Valley South Gate South San Francisco Stanton Stockton Sunnyvale Temecula Temple City Thousand Oaks Torrance Tracy Tulare Turlock Tustin Union City Upland Vacaville Vallejo Ventura Victorville Visalia Vista Walnut Walnut Creek Watsonville West Covina West Hollywood West Sacramento Westminster Whittier Wildomar Woodland Yorba Linda Yuba City Yucaipa