Payday Loans in Nicolaus, California

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

Company nameAddressZip codePhone number
Check Into Cash 1497 A Creston Rd, Paso Robles, CA 93446 +1 (805) 227 - 7152
Check `n Go 17151 E Foothill Blvd Suite H, Fontana, CA 92335 +1 (909) 428 - 5900
TNL Car Title Loans 140 N Luring Dr Ste W, Palm Springs, CA 92262 +1 (760) 699 - 2605
Cash Plus 8231 De Soto Ave, Canoga Park, CA 91304 +1 (818) 407 - 0600
RC Advantage 698 Whiting St B, Grass Valley, CA 95945 +1 (530) 477 - 9177
Western Union 17128 CA-76, Pauma Valley, CA 92061 +1 (760) 742 - 1415
Chase Bank 78805 CA-111, La Quinta, CA 92253 +1 (760) 564 - 0351
Orange Rocket 15324 S Western Ave, Gardena, CA 90249 +1 (310) 324 - 5202
Bank of America Financial Center 169 E Foothill Blvd, Arcadia, CA 91006 +1 (626) 303 - 6931
U.S. Bank ATM - Avalon 303 Crescent Ave, Avalon, CA 90704 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Nicolaus, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for San Jose, CA, Guaranteed Loans in San Juan Capistrano, CA, Bad Credit Loans in San Leandro, CA, Payday Loans in San Luis Obispo, CA, No Credit Check Loans in San Marcos, CA, Quick Loan in San Mateo, CA, Short-term Loans in San Pablo, CA and Online Loans in San Rafael, 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 Nicolaus, CA.

Beautiful sights of Nicolaus, CA

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

95659

Are Payday Loans Legal In Nicolaus, 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

Nicolaus, CA payday loan calculator

Understanding Payday Loans in Nicolaus, California

Payday loans are a type of short-term loan that is commonly used to bridge the gap between paychecks. They are available in most US states, including California, and can be an option for people who need quick cash for unexpected expenses. In Nicolaus, California, payday loans are legal but they are regulated by state laws. In this article, we will guide you through everything you need to know about payday loans in Nicolaus, California.

How do payday loans work?

A payday loan is a small-dollar, high-interest loan that is usually due within two weeks to a month. Borrowers can access these loans by providing a lender with a postdated check or authorizing a debit from their bank account. The amount borrowed plus interest and fees is repaid in full on the borrower’s next payday.

To qualify for a payday loan in Nicolaus, California, a borrower must have a steady income, an active checking account, and a valid government-issued ID. Most lenders do not perform a credit check, making payday loans an option for people with poor credit.

What are the fees and interest rates for payday loans in Nicolaus, California?

Payday loans in California are regulated by the Department of Business Oversight and are subject to strict laws. The maximum amount a lender can charge for a payday loan is 15% of the loan amount. For example, if you borrow $100, the maximum fee a lender can charge is $15. This fee is in addition to the interest rate, which can be as high as 460% APR for a 14-day loan term.

What are the risks of payday loans?

While payday loans can be a convenient option for people who need cash quickly, they come with significant risks. The high-interest rates and short repayment terms can make it difficult for borrowers to repay the loans on time, leading to a cycle of debt. If a borrower is unable to repay the loan on time, they may face additional fees and interest charges, which can quickly add up.

It is important to carefully consider the risks and benefits of payday loans before taking one out. Alternatives such as personal loans or credit cards may offer more favorable terms and lower interest rates. It is also important to have a plan for repaying the loan on time to avoid additional fees and charges.

Interesting facts about payday loans in Nicolaus, California

  • California has the highest concentration of payday loan storefronts in the US, with over 2,000 locations across the state.
  • According to a survey by the California Department of Business Oversight, the average payday loan borrower takes out 6 loans per year and pays over $450 in interest and fees.
  • Some cities in California, such as San Francisco and Oakland, have implemented regulations that limit the number of payday loan storefronts in an effort to curb predatory lending practices.

Apply Now

TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders who can provide borrowers with access to payday loans in Nicolaus, California. If you need quick cash for unexpected expenses, you can fill out an online application on our website. Our application process is simple and secure, and we can quickly connect you with potential lenders who may be able to provide you with the funds you need. Remember to carefully consider the risks and benefits of payday loans before taking one out, and have a plan for repaying the loan on time.

F.A.Q.

Can a payday lender require me to provide references in order to take out a loan in Nicolaus, California?

Yes, a payday lender can require you to provide references in order to take out a loan in Nicolaus, California. This is to help the lender assess your creditworthiness and determine whether or not you are a good candidate for a loan.

Can a payday lender require me to take out a loan that is larger than I need in order to qualify for a loan in Nicolaus, California?

No, a payday lender cannot require you to take out a loan that is larger than you need in order to qualify for a loan in Nicolaus, California. Lenders are required to provide loans that are appropriate for the borrower's financial needs and ability to repay.

Look for Short-Term Loans in Other Cities:

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