Payday Loans in Palm Desert, California

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Payday Loan Companies in Palm Desert, CA

Company nameAddressZip codePhone number
American AgCredit 74199 El Paseo 101 92260 +1 (760) 340 - 5671
Bank of America Financial Center 34420 Monterey Ave 92211 +1 (760) 202 - 2942
Bank of America Financial Center 73820 El Paseo 92260 +1 (760) 341 - 4710
California Bank & Trust 73-301 CA-111 Suite 100 92260 +1 (760) 340 - 1861
Champion Financial Services 73954 CA-111 92260 +1 (760) 321 - 4000
Chase Bank 72705 CA-111 92260 +1 (760) 346 - 9857
Fast Auto Loans, Inc. 72990 CA-111 92260 +1 (760) 766 - 2407
First Republic Bank 73010 El Paseo 92260 +1 (760) 776 - 8882
FirstBank 39580 Washington St 92211 +1 (760) 772 - 2200
imortgage 41990 Cook St 92211 +1 (760) 797 - 6000
Instant Cash 44720 San Pablo Ave 92260 +1 (760) 340 - 1222
Marcia Bloemendaal - Raymond James 73130 El Paseo Ste O 92260 +1 (760) 340 - 1618
Mission Hills Mortgage Bankers 44300 Monterey Ave A 92260 +1 (760) 322 - 2512
Online California Title Loans 77734 Country Club Dr STE A2 92211 +1 (442) 666 - 7229
Pacific Mortgage Exchange, Inc. 73241 CA-111 1a 92260 +1 (760) 779 - 5556
Pacific Premier Bank 78000 Fred Waring Dr 100 92211 +1 (760) 610 - 6422
Pawnshield Fine Jewelry & Loan 74836 Technology Dr 105 92211 +1 (760) 565 - 5935
Rocky's Pawn Shop 44900 San Pablo Ave 92260 +1 (760) 340 - 2567
TNL Car Title Loans 74818 Velie Way #390 92260 +1 (760) 501 - 0953
Village Financial Services, Inc. 73700 CA-111 #10 92260 +1 (760) 574 - 2556
William Lavin - Raymond James 72960 Fred Waring Dr 92260 +1 (760) 423 - 6243

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Palm Desert, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Palm Springs, CA, Payday Loans in Palmdale, CA, Payday Loans in Palo Alto, CA, Payday Loans in Paramount, CA, Payday Loans in Pasadena, CA, Payday Loans in Paso Robles, CA, Payday Loans in Perris, CA and Payday Loans in Petaluma, 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 Palm Desert, CA.

Beautiful sights of Palm Desert, CA

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

92261, 92255, 92211, 92260

Are Payday Loans Legal In Palm Desert, 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

Palm Desert, CA payday loan calculator

What Are Payday Loans?

Payday loans are short-term, high-interest loans designed to be used when an unexpected expense or emergency arises. These types of loans are generally used to cover medical bills, car repairs, utility bills, or other unexpected costs. They are usually considered a last resort when other financing options, such as personal loans, credit cards, or even family members are not available.

Are Payday Loans Legal in California?

Yes, payday loans are legal in the state of California. Payday loans are subject to the regulations outlined in California’s Finance Code. The Finance Code sets the maximum loan amount, as well as the maximum fees, interest rates, and repayment terms consumers can expect from payday lenders.

Payday Loans in Palm Desert, California

In Palm Desert, California, payday loan lenders are available to help cover unforeseen expenses. The description of a payday loan varies from lender to lender, but generally they are small, short-term loans between $100 and $1000. These types of loans are offered with fees and interest associated with the principal amount.

Payday loan lenders in Palm Desert, California are required to abide by the laws and regulations outlined in the California Finance Code. This includes limits on the maximum loan amount, fees, and interest rate that lenders can charge. In addition, lenders must follow the applicable collection regulations, including the right to refuse repayment and the right to offer a payment plan.

The Benefits of Payday Loans

Payday loans offer a number of advantages over other forms of financing. First, they can be obtained quickly; generally within 24 hours. This makes them a convenient option for those who need cash in a hurry. Second, they are easy to qualify for; most lenders require proof of income and a valid bank account. Finally, payday loans are available to those with poor credit who may not be able to qualify for other forms of financing.

The Risks of Payday Loans

Payday loans also come with risks. Since they are short-term and have high fees and interest rates, they can be expensive. If repayment is not possible, this can lead to further financial difficulties, including hefty late fees and the risk of having the loan sold to a collections agency. Additionally, since they are unsecured loans, lenders may require borrowers to provide a post-dated check as collateral. If the borrower cannot make the payment, the lender can cash the check, potentially leading to overdraft fees by the borrower’s bank.

Alternatives to Payday Loans in Palm Desert, California

Before taking out a payday loan, it is important to consider other options. Some alternatives include personal loans, credit cards, family members, or even pawn shops. Personal loans or credit cards can provide lower interest rates and repayment terms can be more flexible than a payday loan. In addition, family members or friends may be willing to help in a financial crisis in exchange for a repayment plan. This can be a great option as there is no need to pay interest or fees. Finally, pawn shops are a great option for those looking to borrow against an asset they already own, such as jewelry or electronics.

Apply Now

If you are considering taking out a payday loan in Palm Desert, California, TheGuaranteedLoans can help. We are not a lender, but we connect borrowers with lenders who are willing to provide short-term loans. To get started, simply fill out our online application and we will connect you with a lender in Palm Desert.

FAQ

  • What is a payday loan?A payday loan is a short-term, high-interest loan designed to be used when an unexpected expense or emergency arises.
  • Are payday loans legal in California?Yes, payday loans are legal in the state of California.
  • What alternatives to payday loans are available in Palm Desert, California?Alternatives to payday loans include personal loans, credit cards, family members, or pawn shops.
  • Can TheGuaranteedLoans help me get a payday loan in Palm Desert, California?Yes, TheGuaranteedLoans can connect borrowers with lenders in Palm Desert, California. We are not a lender, but we can help you find one.

More F.A.Q.

Are there any restrictions on how payday lenders can advertise their loans in Palm Desert, California?

Yes, payday lenders in Palm Desert, California are subject to certain advertising restrictions. For example, they are not allowed to use false or misleading statements in their advertising, and must include certain disclosures about the terms and conditions of the loan.

Can payday lenders charge higher interest rates in Palm Desert, California than other types of lenders?

No, payday lenders in Palm Desert, California are subject to the same maximum interest rate as other lenders, which is 10% per year for loans of $2,500 or less. However, they are allowed to charge higher fees in order to compensate for the higher risk of lending to borrowers with poor credit.

How Many Cash Advance Companies are in Palm Desert, CA?

With the help of our service, you will be able to find 21 cash advance companies in Palm Desert, CA

What Cash Advance Companies in Palm Desert, CA are the most popular?

You should check Bank of America Financial Center, American AgCredit, and California Bank & Trust. Also, you can start your application online on our website.

Look for Short-Term Loans in Other Cities:

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