Payday Loans in Homewood, California

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

Company nameAddressZip codePhone number
Mechanics Bank - Goleta Branch 5956 Calle Real, Goleta, CA 93117 +1 (805) 967 - 0451
Wells Fargo Dealer Services 15750 Alton Pkwy, Irvine, CA 92618 +1 (949) 754 - 7001
Coast Central Credit Union Eureka Downtown 402 F St, Eureka, CA 95501 +1 (707) 445 - 8801
Caliber Home Loans - The Superior Team 850 Merchant St, Vacaville, CA 95688 +1 (707) 326 - 7618
Advance America 1200 W Hobsonway Ste A, Blythe, CA 92225 +1 (760) 922 - 1198
E Z Collateral & Loan 8700 Sepulveda Blvd, North Hills, CA 91343 +1 (818) 891 - 6000
California Budget Finance 8171 Sierra Ave Suite B, Fontana, CA 92335 +1 (909) 829 - 2311
La Habra Loan And Jewelry 620 E Whittier Blvd, La Habra, CA 90631 +1 (562) 697 - 8440
Advance America 13518 Poway Rd, Poway, CA 92064 +1 (858) 748 - 1675
Checkmate 642 E San Ysidro Blvd #50, San Ysidro, CA 92173 +1 (619) 662 - 3960

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Homewood, CA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Vista, CA, Online Loans in Walnut, CA, Bad Credit Loans in Walnut Creek, CA, Payday Loan Companies in Watsonville, CA, Short-term Loans in West Covina, CA, Emergency Loan in West Hollywood, CA, Payday Loans in West Sacramento, CA and Payday Loans in Westminster, 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 Homewood, CA.

Beautiful sights of Homewood, CA

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

96141, 96142

Are Payday Loans Legal In Homewood, 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

Homewood, CA payday loan calculator

Payday Loans in Homewood, California – A Comprehensive Guide

When faced with financial emergencies, individuals often turn to payday loans as a quick solution. However, it is important to understand the implications of such loans before applying for them. In this guide, we will take a closer look at payday loans in Homewood, California, and what you should know before considering this option.

What Are Payday Loans?

A payday loan is a type of short-term loan that is typically for small amounts of money. These loans are due on the borrower’s next payday, which is usually within two weeks to a month. The loan amount is typically based on the borrower’s income and credit history, with no collateral required.

In Homewood, California, payday loans are legal but subject to specific regulations. For instance, lenders cannot charge more than a 15% fee for loans of up to $300. Loans between $300 and $500 are subject to a maximum fee of 10% of the loan amount.

How Do Payday Loans Work?

The process of obtaining a payday loan in Homewood is relatively simple. Individuals must provide some basic personal information, including proof of income and identification. Once the lender reviews the application and approves it, the money is disbursed either in cash or deposited directly into the borrower’s bank account.

The loan must be paid back in full on the borrower’s next payday, including the principal amount and any applicable fees. If the borrower cannot pay the loan in full, they may be able to roll it over, which means extending the due date but paying an additional fee.

What Are the Risks of Payday Loans?

While payday loans can be a quick solution to financial emergencies, they come with significant risks. The high interest rates and fees can result in a cycle of debt, where borrowers take out multiple loans to pay off previous ones.

In Homewood, lenders are prohibited from giving customers a new loan before their previous one is paid off. However, borrowers who cannot repay their loans on time often resort to taking out new ones from different lenders.

Interesting Facts and Statistics About Payday Loans in Homewood, California

  • The average payday loan amount in California is $250.
  • More than 80% of payday loans are rolled over or followed by another loan within two weeks, according to the Consumer Financial Protection Bureau.
  • In California, 1 in 3 borrowers default on their payday loans.
  • A study by the California Department of Business Oversight found that payday lenders are disproportionately located in low-income and minority neighborhoods.

Apply Now

If you’re considering a payday loan in Homewood, California, TheGuaranteedLoans can help you connect with potential lenders. We’re not a direct lender but a connection service that strives to link you to lenders who may be able to offer you a loan. Please note that you must be at least 18 years old, have an active bank account, and provide proof of income to be eligible for a payday loan in California. Apply now to get started!

Remember, it’s essential to weigh the risks of payday loans before applying for one. Consider alternatives like personal loans, credit cards, or borrowing from friends and family before turning to a payday loan. If you do decide to take out a payday loan, make sure you understand the terms and can repay it on time to avoid further financial strain.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a member of the military in Homewood, California?

in Homewood, California, payday lenders are prohibited from charging higher interest rates or fees to military members or their dependents. Military members and their dependents are entitled to the same maximum interest rate and finance charge as all other borrowers in Homewood, California.

Can I be charged a higher interest rate or fees if I am a senior citizen in Homewood, California?

in Homewood, California, payday lenders are prohibited from charging higher interest rates or fees to senior citizens. All borrowers, regardless of age, are entitled to the same maximum interest rate and finance charge.

Look for Short-Term Loans in Other Cities:

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