Payday Loans in Keene, California

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

Company nameAddressZip codePhone number
Rudolph Inc 737 Southpoint Blvd A, Petaluma, CA 94954 +1 (707) 584 - 1100
TNL Car Title Loans 8990 Sierra Ave, Fontana, CA 92335 +1 (909) 587 - 6588
U.S. Bank Branch 11050 Bollinger Canyon Rd, San Ramon, CA 94582 +1 (925) 648 - 4210
Advance America 1221 B E Valley Pkwy, Escondido, CA 92027 +1 (760) 233 - 2715
HomeStreet Bank and Affinity Lending Center 650 S Grand Ave 105, Glendora, CA 91740 +1 (626) 646 - 1791
BAAGACCY AUTO MART INC. 468 N Camden Dr 210a, Beverly Hills, CA 90210 +1 (424) 382 - 3881
Money Market Check Cashing 903 Pacific Ave #102, Santa Cruz, CA 95060 +1 (831) 423 - 6600
Travis Credit Union 3263 Claremont Way, Napa, CA 94558 +1 (707) 449 - 4000
CCS Title Loans - LoanMart Compton 739 W Rosecrans Ave Suite D, Compton, CA 90222 +1 (310) 638 - 3021
Amor Pawn Shop 10525 Long Beach Blvd 2570, Lynwood, CA 90262 +1 (323) 564 - 1500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Keene, CA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Tracy, CA, Emergency Loan in Tulare, CA, Payday Loans in Turlock, CA, Same Day Loans in Tustin, CA, Short-term Loans in Union City, CA, Payday Loans in Upland, CA, Payday Loans in Vacaville, CA and Payday Loans in Vallejo, 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 Keene, CA.

Beautiful sights of Keene, CA

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

93531

Are Payday Loans Legal In Keene, 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

Keene, CA payday loan calculator

The Truth About Payday Loans in Keene, California

In California, payday loans are legal, making them one of the convenient and easily accessible short-term borrowing options. However, like all loans, payday loans come with their own set of risks, and it’s important to understand how they work before deciding to get one in Keene, California.

What are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that typically have a repayment period of two weeks or until the borrower’s next paycheck. The loan is usually for a small amount, typically $50 to $1,000, and borrowers are required to pay a fee for each $100 borrowed, which can vary from lender to lender.

These loans are advertised as a fast and easy way to get cash when you need it most. Generally, the application process for a payday loan involves submitting personal and financial information, such as your name, address, income, and bank account information. If approved, the funds are typically deposited into your bank account within one to two business days.

How Do Payday Loans Work in Keene, California?

The state of California has specific regulations in place to protect borrowers from predatory lending practices related to payday loans. The maximum amount that can be borrowed in California is $300, and the cost of the loan cannot exceed 15 percent of the total amount borrowed.

Under California law, payday lenders are also required to provide borrowers with a written contract that includes details about the loan terms, fees and interest rates, and repayment options. Borrowers have the right to cancel the loan within 24 hours of signing the contract without penalty.

What are the Risks of Payday Loans?

Despite their convenience, payday loans come with a number of risks and drawbacks that borrowers should be aware of before taking out a loan.

  • High Interest Rates: Payday loans typically come with high interest rates that can reach 400 percent or more. These rates can make it difficult for borrowers to pay back the loan, leading to a cycle of debt and mounting financial pressure.
  • Fees and Charges: In addition to the high interest rates, borrowers are also required to pay fees for each loan they take out. These fees can add up quickly, making it even more difficult to pay back the loan.
  • Credit Score Impact: Failing to repay a payday loan on time can negatively impact your credit score and make it harder to qualify for other types of loans and credit in the future.
  • Debt Cycle: Many borrowers find themselves stuck in a cycle of debt, where they take out a loan to cover expenses and then struggle to pay it back, leading to another loan and more debt.

Interesting Statistics About Payday Loans in Keene, California

  • According to the California Department of Business Oversight, more than 10 million payday loans were taken out in California in 2019, with borrowers paying more than $2.7 billion in fees.
  • The average payday loan in California is $250, with an average interest rate of 372 percent, according to the Center for Responsible Lending.

Apply Now for a Payday Loan in Keene, California

If you’re considering a payday loan in Keene, California, TheGuaranteedLoans can help. We are a connector service that specializes in connecting borrowers with potential lenders who can meet their needs.

Applying for a payday loan through TheGuaranteedLoans is fast, easy, and secure. Simply fill out our online application, and we’ll provide you with a list of potential lenders who may be able to meet your needs.

Remember, when taking out a payday loan, it’s important to understand the risks and costs involved. Always read and understand the loan terms before signing a contract, and never take out more than you can afford to repay.

F.A.Q.

Can I take out multiple payday loans in Keene, California at the same time?

in Keene, California, borrowers are only allowed to have one outstanding payday loan at a time. Borrowers must pay off their current loan before taking out another one.

Can I be charged a fee for repaying my payday loan early in Keene, California?

in Keene, California, payday lenders are prohibited from charging a fee for early repayment of a loan. Borrowers are free to pay off their loans at any time without incurring additional fees or penalties.

Look for Short-Term Loans in Other Cities:

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