Payday Loans in Occidental, California

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

Company nameAddressZip codePhone number
USA Checks Cashed & Payday Advance 9311 Sierra Ave, Fontana, CA 92335 +1 (909) 822 - 0298
KCV Capital Management Llc 220 Montgomery St 937, San Francisco, CA 94104 +1 (415) 263 - 1661
Desert Valleys FCU 100 E Ward Ave, Ridgecrest, CA 93555 +1 (760) 446 - 3500
Raymond James Financial Services 121 W Pine St, Lodi, CA 95240 +1 (209) 367 - 2452
Finance of America Mortgage LLC Westlake Village 5655 Lindero Canyon Rd 120, Westlake Village, CA 91362 +1 (818) 483 - 2600
Fcs of Colusa-Glenn 310 6th St, Colusa, CA 95932 +1 (530) 458 - 2163
Tri Counties Bank 3349 Main St, Cottonwood, CA 96022 +1 (530) 347 - 3751
Iron Oak Home Loans Inc 9260 Alcosta Blvd, San Ramon, CA 94583 +1 (925) 803 - 2465
Raymond James Financial Services 17 Plaza Cir, Patterson, CA 95363 +1 (530) 898 - 0415
5 Star Car Title Loans 1201 W Manchester Blvd, Inglewood, CA 90301 +1 (310) 455 - 8042

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Occidental, CA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Hollister, CA, Online Loans in Huntington Beach, CA, Payday Loan for Huntington Park, CA, Payday Loan Companies in Indio, CA, Online Loans in Inglewood, CA, No Credit Check Loans in Irvine, CA, Bad Credit Loans in La Habra, CA and Online Loans in La Mesa, 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 Occidental, CA.

Beautiful sights of Occidental, CA

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

95465

Are Payday Loans Legal In Occidental, 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

Occidental, CA payday loan calculator

Payday Loans in Occidental, California: A Comprehensive Guide

Are you in a tough financial spot and need quick cash? Occidental, California residents have legal access to payday loans, making it easier to access small-dollar loans when you need them the most. In this comprehensive guide, we’ll explore everything you need to know about payday loans in Occidental, how they work, and what to consider before applying.

What are Payday Loans?

A payday loan is a short-term loan designed to help individuals access fast cash for unexpected expenses. You borrow a small amount of money and pay it back on your next payday, typically within two to four weeks. They are generally easy to obtain and don’t require an extensive credit check. However, they often come with high-interest rates and fees, making them a more expensive financing option.

How Do Payday Loans Work in Occidental, California?

In California, payday loans are legal and can be obtained by residents of Occidental and other cities. To apply for a payday loan, you’ll need to provide proof of income, a valid ID, and a check or bank account information. You can apply in person or online, and lenders typically provide instant approval. If approved, you’ll receive the funds and must make repayment on your next payday.

What to Consider Before Applying for a Payday Loan

Before applying for a payday loan in Occidental or anywhere else in California, there are some essential things to keep in mind.

  • Interest Rates and Fees: Payday loans often come with higher interest rates and fees than other types of loans. Make sure you understand the fees involved and ensure they fit within your budget.
  • Repayment Terms: These loans require repayment within a short timeframe, typically two to four weeks. Make sure you can make payments on time to prevent additional fees and charges.
  • Loan Amount: Payday loans are generally for small amounts, ranging from $100 to $1,000 depending on the lender. Ensure you only borrow the amount you need and can repay within the given timeframe.
  • Lender Reputation: To ensure you’re working with a reputable lender, research the company and read reviews from other customers. Avoid predatory lenders that charge high fees and interest rates.

Interesting Facts and Statistics About Payday Loans in Occidental, California

– In California, payday loans must not exceed $300.

– The maximum amount of fees a lender may charge is 15% of the total loan amount.

– As of 2020, there were over 2,000 payday lenders in California.

– The average payday loan borrower takes out eight loans per year, indicating many individuals struggle to repay them on time.

Apply Now

If you’re interested in applying for a payday loan in Occidental, California, TheGuaranteedLoans can help connect you with lenders. Fill out our easy online application and get connected with a potential lender that fits your needs. Remember, TheGuaranteedLoans is a connector service and not a direct lender, and we cannot guarantee loan approval.

Payday loans can provide quick cash when you need it most, but they come with high-interest rates and fees. Be sure to consider all options available, including borrowing from family and friends or using a credit card, before taking out a payday loan. If you do decide to use a payday loan, ensure you borrow within your means and only use it for emergency expenses.

F.A.Q.

Are there any alternatives to payday loans in Occidental, California?

in Occidental, California, borrowers may be able to explore alternative lending options, such as credit unions, community banks, or small business loans. It is important for borrowers to carefully research and compare different options before making a decision.

Do I need to have good credit to get a payday loan in Occidental, California?

No, payday loans in Occidental, California do not require good credit. Lenders may still perform a credit check, but bad credit is not necessarily a disqualifying factor.

Look for Short-Term Loans in Other Cities:

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