Payday Loans in Ivanhoe, California

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

Company nameAddressZip codePhone number
LoanCenter 4727 Wilshire Blvd 100, Los Angeles, CA 90010 +1 (866) 553 - 3840
La Unica Check Cashing 430 W Pleasant Valley Rd, Oxnard, CA 93033 +1 (805) 246 - 5976
ACE Cash Express 1664 E March Ln Suite 1, Stockton, CA 95210 +1 (209) 474 - 7280
Umpqua Bank 805 Eleventh St, Lakeport, CA 95453 +1 (707) 263 - 7500
AutoZone Auto Parts 303 E Olive Ave A, Porterville, CA 93257 +1 (559) 793 - 1868
K & W Check Cashing 14137 Vermont Ave, Gardena, CA 90247 +1 (310) 771 - 0917
Allied Cash Advance 133 S Main St, Sebastopol, CA 95472 +1 (707) 824 - 8794
Urban Bad Credit Loans 100 Main St, Woodland, CA 95695 +1 (530) 270 - 4177
Exchange Bank 116 S Cloverdale Blvd, Cloverdale, CA 95425 +1 (707) 894 - 4900
Bank of the West 230 W 7th St, Hanford, CA 93230 +1 (559) 582 - 4381

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ivanhoe, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Newark, CA, Payday Loans in Newport Beach, CA, Payday Loans in North Highlands, CA, Bad Credit Loans in Norwalk, CA, Payday Loans in Novato, CA, Short-term Loans in Oakland, CA, Payday Loans in Oakley, CA and Payday Loans in Oceanside, 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 Ivanhoe, CA.

Beautiful sights of Ivanhoe, CA

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

93235

Are Payday Loans Legal In Ivanhoe, 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

Ivanhoe, CA payday loan calculator

Payday Loans in Ivanhoe, California: A Comprehensive Guide

Payday loans are a type of short-term loan that can be a quick and easy way to get cash when you need it. And in California, payday loans are legal. If you’re considering a payday loan in Ivanhoe, California, it’s important to understand exactly how they work and what your options are. In this guide, we’ll cover everything you need to know about payday loans in Ivanhoe, California.

The Basics of Payday Loans in Ivanhoe, California

Here’s how payday loans work: You write a post-dated check for the amount of the loan plus fees and interest to the lender. The lender then provides you with the cash you need, less the fees and interest. When the loan is due, typically on your next payday, the lender cashes the post-dated check to cover the loan amount, fees, and interest.

In Ivanhoe, California, the maximum loan amount for a payday loan is $300. The maximum fee a lender can charge for a payday loan in Ivanhoe is 15% of the total amount of the loan. So if you borrow $300, the maximum fee would be $45. The maximum interest rate on a payday loan in California is 460% APR, which can add up quickly if you don’t pay the loan back on time.

The Pros and Cons of Payday Loans in Ivanhoe, California

Payday loans can be a helpful option when you need cash fast. Here are some of the pros and cons of payday loans in Ivanhoe, California:

  • Pros: Quick and easy access to cash, even with bad credit. Can be helpful for covering unexpected expenses or emergencies.
  • Cons: High fees and interest rates. Can lead to a cycle of debt if not paid back on time. Can damage your credit if you default on the loan.

Alternatives to Payday Loans in Ivanhoe, California

Considering the high fees and interest rates associated with payday loans in Ivanhoe, California, it’s worth exploring some alternative options:

  • Credit unions: Credit unions typically offer small-dollar loans with lower interest rates and fees than payday lenders.
  • Personal loans: Personal loans from banks or online lenders may be a better option if you have good credit.
  • Credit cards: While credit cards can also have high interest rates, they may be a better option if you can pay the balance off quickly to avoid accruing interest.

Interesting Facts and Statistics About Payday Loans in Ivanhoe, California

  • According to the California Department of Business Oversight, there were about 10 million payday loans taken out in California in 2019.
  • The average payday loan amount in California is $250.
  • The average APR on a payday loan in California is 372%.

Apply Now

Ready to apply for a payday loan in Ivanhoe, California? TheGuaranteedLoans can help you connect with potential lenders. Please note that we are a connector service, not a direct lender. We’ll work to get you connected with a lender that can meet your needs. To get started, click here to fill out our online application.

Remember, payday loans should be used as a last resort and only when absolutely necessary. Make sure you understand all the terms and fees associated with the loan before taking it out, and make a plan to pay it back on time to avoid accruing additional fees and interest.

F.A.Q.

Can a payday lender require me to renew my loan if I am unable to repay it on time in Ivanhoe, California?

Yes, a payday lender can require you to renew your loan if you are unable to repay it on time in Ivanhoe, California. This means that you will have to pay additional interest and fees in order to extend the loan for another period of time.

Can a payday lender require me to take out multiple loans in order to repay an existing loan in Ivanhoe, California?

No, a payday lender cannot require you to take out multiple loans in order to repay an existing loan in Ivanhoe, California. This practice, known as loan stacking, is illegal in the state and can lead to significant financial hardship for borrowers.

Look for Short-Term Loans in Other Cities:

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