Payday Loans in Oak Park, California

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

Company nameAddressZip codePhone number
Mla West Covina Payday 1104 S Wescove Pl # F, West Covina, CA 91790
Car Title Loans California 100 Pine St, Lodi, CA 95240 +1 (844) 209 - 5949
Fast Auto and Payday Loans 1332 E Florence Ave, Los Angeles, CA 90001 +1 (323) 582 - 2147
Umpqua Bank 201 Western Ave, Petaluma, CA 94952 +1 (707) 763 - 4555
Payday Loans 23962 Alessandro Blvd, Moreno Valley, CA 92553
United Security Bank 145 E Durian Ave, Coalinga, CA 93210 +1 (559) 935 - 0862
Advance America 300 S Highland Springs Ave STE 6D, Banning, CA 92220 +1 (951) 769 - 8600
Montana Capital Car Title Loans 508 Eleventh St, Tracy, CA 95376 +1 (209) 546 - 6955
ACE Cash Express 38050 47th St. E, Unit B-1, Palmdale, CA 93552 +1 (661) 533 - 9643
American AgCredit 400 Aviation Blvd 100, Santa Rosa, CA 95403 +1 (707) 545 - 7100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oak Park, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ceres, CA, Payday Loans in Cerritos, CA, Guaranteed Loans in Chico, CA, Payday Loans in Chino, CA, Payday Loans in Chino Hills, CA, No Credit Check Loans in Chula Vista, CA, Payday Loans in Citrus Heights, CA and Same Day Loans in Claremont, 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 Oak Park, CA.

Beautiful sights of Oak Park, CA

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

91377

Are Payday Loans Legal In Oak Park, 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

Oak Park, CA payday loan calculator

Payday loans can be a versatile and accessible way to access funds quickly, particularly if you need assistance with unexpected expenses or urgent bills. These short-term loans are legal in California, including in the city of Oak Park. As with any type of lending, it is important to fully understand the terms and requirements before applying. Let’s explore everything you need to know about payday loans in Oak Park, California.

What is a Payday Loan?

A payday loan is a short-term loan that is intended to provide fast access to money for borrowers facing emergency expenses or financial challenges. Unlike traditional loans, which can take time to process and require extensive credit checks, payday loans typically have straightforward application processes and funding times, with borrowers often receiving the loan amount within a few hours.

How do Payday Loans Work in California?

Payday loans are legal in California and are governed by state-specific regulations, which include the following:

  • Maximum loan amount: The maximum loan amount for a payday loan in California is $300, which is lower than the maximum in many other states. This limit is intended to prevent borrowers from taking out more money than they can reasonably afford to repay.
  • Maximum loan term: Payday loans in California can have a maximum repayment term of 31 days, which is also lower than many other states. However, California law does allow for installment payment plans for loans over $300.
  • Interest rates and fees: California law limits the interest rate that payday lenders can charge to 15% of the loan amount. While this interest rate may seem low compared to other types of loans, it can still result in high fees if the loan is not repaid on time. Late fees can also apply if the borrower fails to make a payment on time.
  • Roll-overs: California law prohibits lenders from offering loan roll-overs, which means that borrowers cannot take out a new loan to repay an existing one. However, borrowers can use installment payment plans to repay larger loans over time.

What are the Benefits of Payday Loans in Oak Park, California?

There are several benefits to payday loans, including:

  • Fast access to money: Payday loans can provide quick access to cash when borrowers need it most, which can be particularly helpful in emergency situations.
  • Flexible requirements: Unlike traditional loans, which often require extensive credit checks and a lengthy application process, payday loans typically have more flexible requirements. Borrowers may be able to obtain a loan even if they have bad credit or no credit history.
  • Convenient application process: Payday loan applications can usually be completed online or in person with minimal paperwork, and funds are often deposited directly into the borrower’s account within a few hours.
  • Short repayment period: While a short repayment period may seem like a disadvantage, it can actually be helpful for some borrowers. Short loan terms can help to ensure that borrowers do not accumulate debt over extended periods.

Interesting Facts and Statistics about Payday Loans in Oak Park, California

Here are some verified facts and statistics that are worth noting:

  • Approximately 12% of Californians have used payday loans, according to a 2016 study by the California Department of Business Oversight.
  • The average payday loan borrower in California takes out between seven and ten loans per year, according to the same study.
  • California payday loans generate over $4 billion in fees and interest each year, according to a 2019 report by the California Reinvestment Coalition.
  • The unemployment rate in Oak Park, California was 3.9% in 2020, which is lower than the national average of 6.0%.

Apply Now

If you are interested in applying for a payday loan in Oak Park, California, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that TheGuaranteedLoans is not a direct lender, but rather a connector service that can facilitate your application process. To get started, simply fill out our online application and we will do our best to find lenders who may be able to provide you with the funds you need. Remember to carefully review all terms, fees, and repayment requirements before accepting a loan offer.

Payday loans can provide a valuable financial resource for those facing unexpected expenses or other emergencies. If you are considering a payday loan in Oak Park, California, be sure to do your research and understand all terms and requirements before applying. As with any type of lending, it is important to borrow only what you can afford to repay and to develop a repayment plan that works for you.

F.A.Q.

Can I apply for a payday loan online in Oak Park, California?

Yes, some payday lenders in Oak Park, California offer online application and approval processes. However, borrowers must still provide proof of income, a valid ID, and bank account information to complete the loan process.

Are there any alternatives to payday loans in Oak Park, California?

Yes, there are alternative lending options available to borrowers in Oak Park, California who need short-term financial assistance. These options may include credit unions, community banks, or nonprofit organizations that offer lower interest rates and more flexible repayment terms than payday loans.

Look for Short-Term Loans in Other Cities:

Adelanto Alameda Alhambra Aliso Viejo Altadena Anaheim Antelope Antioch Apple Valley Arcadia Azusa Bakersfield Baldwin Park Banning Beaumont Bell Bell Gardens Bellflower Beverly Hills Brea Brentwood Buena Park Burbank Burlingame Calexico Camarillo Campbell Carlsbad Carmichael Carson Castro Valley Cathedral City Ceres Cerritos Chico Chino Chino Hills Chula Vista Citrus Heights Claremont Clovis Coachella Colton Compton Concord Corona Costa Mesa Covina Culver City Cupertino Cypress Daly City Dana Point Danville Davis Delano Diamond Bar Downey Dublin El Cajon El Centro El Dorado Hills El Monte Elk Grove Encinitas Escondido Fair Oaks Fairfield Fallbrook Folsom Fontana Fountain Valley Fremont Fresno Fullerton Garden Grove Gardena Gilroy Glendale Glendora Goleta Hacienda Heights Hanford Hawthorne Hayward Hemet Hesperia Highland Hollister Huntington Beach Huntington Park Indio Inglewood Irvine La Habra La Mesa La Mirada La Puente La Quinta La Verne Laguna Hills Laguna Niguel Lake Elsinore Lake Forest Lakewood Lancaster Lawndale Lincoln Livermore Lodi Lompoc Long Beach Los Altos Los Angeles Los Banos Los Gatos Lynwood Madera Manhattan Beach Manteca Martinez Menifee Menlo Park Merced Milpitas Mission Viejo Modesto Monrovia Montclair Montebello Monterey Park Moorpark Moreno Valley Morgan Hill Mountain View Murrieta Napa National City Newark Newport Beach North Highlands Norwalk Novato Oakland Oakley Oceanside Ontario Orange Orangevale Oxnard Pacifica Palm Desert Palm Springs Palmdale Palo Alto Paramount Pasadena Paso Robles Perris Petaluma Pico Rivera Pittsburg Placentia Pleasant Hill Pleasanton Pomona Porterville Poway Rancho Cordova Rancho Cucamonga Rancho Palos Verdes Rancho Santa Margarita Redding Redlands Redondo Beach Redwood City Rialto Richmond Riverside Rocklin Rohnert Park Rosemead Roseville Rowland Heights Sacramento Salinas San Bernardino San Bruno San Clemente San Diego San Dimas San Francisco San Gabriel San Jacinto San Jose San Juan Capistrano San Leandro San Luis Obispo San Marcos San Mateo San Pablo San Rafael San Ramon Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Maria Santa Monica Santa Paula Santa Rosa Santee Saratoga Seaside Simi Valley South Gate South San Francisco Stanton Stockton Sunnyvale Temecula Temple City Thousand Oaks Torrance Tracy Tulare Turlock Tustin Union City Upland Vacaville Vallejo Ventura Victorville Visalia Vista Walnut Walnut Creek Watsonville West Covina West Hollywood West Sacramento Westminster Whittier Wildomar Woodland Yorba Linda Yuba City Yucaipa