Payday Loans in O Neals, California

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

Company nameAddressZip codePhone number
Principal Financial Group 5494 Forbestown Rd, Forbestown, CA 95941 +1 (530) 395 - 0408
Tri Star Home Loans 28009 Smyth Dr, Valencia, CA 91355 +1 (661) 222 - 9555
Cash & Go 8745 Whittier Blvd Ste 107, Pico Rivera, CA 90660 +1 (562) 908 - 7171
Advance America 736 N H St, Lompoc, CA 93436 +1 (805) 737 - 9900
Deans Pawning & Instant Cash / Deans Coins 2325 E McKinley Ave, Fresno, CA 93703 +1 (559) 264 - 4653
Ted Miles Motors, Inc. 7380 El Camino Real 4629, Atascadero, CA 93422 +1 (805) 466 - 2411
Reedland Capital Partners 30 Sunnyside Ave, Mill Valley, CA 94941 +1 (415) 383 - 4700
Fast Auto and Payday Loans 1490 & 1498 N Mt. Vernon Ave, Colton, CA 92324 +1 (909) 554 - 2610
Mechanics Bank - Beverly Hills Branch 9300 Wilshire Blvd 101, Beverly Hills, CA 90212 +1 (424) 230 - 5400
Bank of America Financial Center 205 W Ojai Ave, Ojai, CA 93023 +1 (805) 640 - 2944

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in O Neals, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Calexico, CA, Payday Loans in Camarillo, CA, Guaranteed Loans in Campbell, CA, Payday Loans in Carlsbad, CA, Payday Loans in Carmichael, CA, 24-Hour Loan in Carson, CA, Payday Loans in Castro Valley, CA and Payday Loans in Cathedral City, 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 O Neals, CA.

Are Payday Loans Legal In O Neals, 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

O Neals, CA payday loan calculator

Payday loans in O Neals, California are a popular and frequently-used financial solution. People often turn to payday loans when they are in need of money but do not have the credit score necessary to receive a traditional loan. In California, payday loans are legal, with certain limits in place to protect consumers.

What is a Payday Loan?

A payday loan is a short-term loan that is given to an individual based on their current income and credit history. Typically, a payday loan is due on the borrower’s next pay date and must be repaid in full, with interest and fees, at that time.

How DoPayday Loans Work in O Neals, California?

In O Neals, California, the maximum amount that a borrower can receive through a payday loan is $300. Additionally, the loan term must be between 31 and 35 days.

Interest rates for payday loans in O Neals, California cannot exceed 15% of the loan amount. This means that if you borrow $300, the maximum amount you will need to repay is $345.

Before receiving a payday loan in O Neals, California, you must provide the lender with proof of income and a checking account. If you meet the lender’s requirements, an agreement will be signed, and you will receive the money you need.

The Pros and Cons of Payday Loans

Like any financial solution, payday loans come with both advantages and disadvantages. Understanding these can help you determine if a payday loan is the right choice for you.

Pros

  • Payday loans can be a quick and effective solution when you need money immediately.
  • You will receive the loan amount in cash or deposited directly into your bank account.

Cons

  • Payday loans often come with high interest rates and fees, meaning you will end up paying significantly more than you borrowed.
  • Payday loans can lead to a cycle of debt, as borrowers may have trouble repaying the loan on time and may need to take out additional loans.
  • Payday loans can also lead to poor credit and financial instability if not used responsibly.

Interesting Facts and Statistics About O Neals, California Payday Loans

  • According to a survey conducted by the Consumer Financial Protection Bureau, nearly 70% of payday loan borrowers use the loans to cover recurring living expenses, such as utilities and housing payments.
  • In California, the average payday loan is for $250 and is typically due in 17 days.
  • Approximately 12 million people in the United States use payday loans each year.
  • In 2019, California passed legislation that increased the maximum loan amount and extended the loan term for payday loans. The law also implemented new consumer protections, including limits on fees and interest rates.

Apply Now

If you are in need of a payday loan in O Neals, California, TheGuaranteedLoans is here to help. As a connector service, we can connect you with potential lenders who may be able to provide you with the funds you need. Remember, payday loans can be a useful financial tool when used responsibly.

Apply now by visiting our website and filling out our online application.

F.A.Q.

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

in O Neals, 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.

Can I be arrested or face criminal charges for not repaying a payday loan in O Neals, California?

No, borrowers in O Neals, California cannot be arrested or face criminal charges for not repaying a payday loan. If a borrower is unable to repay their loan, the lender may pursue other legal remedies, such as taking the borrower to court or garnishing their wages, but they cannot pursue criminal charges.

Look for Short-Term Loans in Other Cities:

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