Payday Loans in Essex, California

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

Company nameAddressZip codePhone number
Educational Employees Credit Union - EECU - Sanger Branch 740 N Bethel Ave, Sanger, CA 93657 +1 (800) 538 - 3328
loanDepot 700 Larkspur Landing Cir 210, Larkspur, CA 94939 +1 (415) 524 - 8695
FreeLight Financial LLC 1330 Van Beurden Dr, Los Osos, CA 93402 +1 (855) 238 - 5532
Oportun 12630 Hawthorne Blvd S, Hawthorne, CA 90250 +1 (424) 732 - 3853
California Check Cashing Stores 550 S Cherokee Ln ste a, Lodi, CA 95240 +1 (209) 369 - 7296
Gold N Loans Title Loans - LoanMart Rancho Cucamonga 8875 Foothill Blvd Unit 102, Rancho Cucamonga, CA 91730 +1 (909) 906 - 0002
Advance America 4087 W Ave L, Lancaster, CA 93536 +1 (661) 718 - 8021
CashCall Inc ® 1 City Blvd W #1000, Orange, CA 92868 +1 (949) 752 - 4600
Mechanics Bank - Morro Bay Branch 251 Harbor St, Morro Bay, CA 93442 +1 (805) 772 - 1252
Raymond James Financial Services 225 Pine St, Red Bluff, CA 96080 +1 (530) 527 - 2694

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Essex, CA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Daly City, CA, Payday Loans in Dana Point, CA, Payday Loan for Danville, CA, Payday Loans in Davis, CA, Payday Loans in Delano, CA, Emergency Loan in Diamond Bar, CA, 24-Hour Loan in Downey, CA and Payday Loans in Dublin, 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 Essex, CA.

Are Payday Loans Legal In Essex, 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

Essex, CA payday loan calculator

Understanding Payday Loans in Essex, California

Payday loans are a short-term lending option available to individuals who need quick cash to cover unforeseen expenses. These loans are popular among those who have poor or no credit history and do not qualify for a traditional bank loan.

In California, payday loans are legal and are regulated by the Department of Business Oversight. If you are a resident of Essex, California, and are considering a payday loan, here’s what you need to know:

How Payday Loans Work

Payday loans are designed to offer quick access to cash, usually with a repayment term of two to four weeks. Lenders require the borrower to write a postdated check or authorize an electronic payment for the total amount borrowed plus fees and interest. If the borrower cannot repay the loan by the due date, the lender may deposit the check or withdraw the funds electronically.

California law limits the amount of the loan to $300, with a maximum fee of 15 percent of the loan amount. For example, if you borrow $200, the maximum fee you will pay is $30. The annual percentage rate (APR) for a typical California payday loan is around 460 percent, which means borrowing $100 for two weeks will cost $15.

Benefits of Payday Loans

The primary benefit of payday loans is that they offer quick access to cash. This can be helpful in an emergency situation where you need money right away. Payday loans also have lenient approval requirements, making them accessible to people with poor credit.

Drawbacks of Payday Loans

The biggest drawback of payday loans is the high-interest rate and fees. Borrowers can quickly fall into a cycle of debt if they cannot repay the loan on time. In some cases, payday lenders may also engage in predatory practices, such as rolling over a loan or offering a new loan to pay off the existing one.

Interesting Facts and Statistics

  • Essex, California has a population of approximately 246 people.
  • The average payday loan borrower in California takes out eight loans per year.
  • According to the California Department of Business Oversight, the number of payday loan transactions decreased from 10.2 million in 2016 to 8.3 million in 2018.

Apply Now

Need cash fast? Apply for a payday loan through TheGuaranteedLoans. We are a connector service that specializes in matching borrowers with lenders. Fill out our online application to get started. Keep in mind that we are not a direct lender and cannot guarantee loan approval.

Don’t let financial stress get you down. With TheGuaranteedLoans, you can get the money you need quickly and easily. Apply today!

F.A.Q.

What is the maximum interest rate that a payday lender can charge in Essex, California?

The maximum interest rate that a payday lender can charge in Essex, California is 459% APR. This rate is much higher than the rates charged by traditional lenders, such as banks and credit unions.

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

Yes, there are several alternatives to payday loans in Essex, California that you may want to consider. For example, you can apply for a small personal loan from a bank or credit union, or you can seek help from a nonprofit organization that offers financial counseling and assistance.

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