Payday Loans in Rail Road Flat, California

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No payday loan companies in Rail Road Flat, CA. Consider companies in other cities:

Company nameAddressZip codePhone number
U.S. Bank Branch 2750 Childress Dr, Anderson, CA 96007 +1 (530) 365 - 3704
Quick Stop Loans 2343 S Garfield Ave, Monterey Park, CA 91754 +1 (323) 725 - 6558
SchoolsFirst Federal Credit Union - Corona-Norco 1030 Hamner Ave suite d, Norco, CA 92860 +1 (800) 462 - 8328
Check Into Cash 510 Hacienda Dr Ste 111, Vista, CA 92081 +1 (760) 806 - 9766
TitleMax Title Loans 1440 E Hatch Rd Suite 101, Modesto, CA 95351 +1 (209) 538 - 1338
Express Payday Loans 11 Town Center Pkwy, Santee, CA 92071 +1 (619) 393 - 3949
Bank of America Financial Center 31902 Del Obispo St, San Juan Capistrano, CA 92675 +1 (949) 487 - 4904
Bank of the Sierra 40884 Sierra Dr, Three Rivers, CA 93271 +1 (559) 561 - 5910
Travis Credit Union 1340 Gateway Blvd, Fairfield, CA 94533 +1 (707) 449 - 4000
TitleMax Title Loans 390 E Holt Ave, Pomona, CA 91767 +1 (909) 802 - 7056

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rail Road Flat, CA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Palmdale, CA, Payday Loans in Palo Alto, CA, Payday Loans in Paramount, CA, Payday Loans in Pasadena, CA, Short-term Loans in Paso Robles, CA, Payday Loan Without a Credit Check in Perris, CA, Payday Loan Without a Credit Check in Petaluma, CA and Payday Loans in Pico Rivera, 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 Rail Road Flat, CA.

Payday Loans Available in Rail Road Flat, CA By The Following ZIP Codes:

95248

Are Payday Loans Legal In Rail Road Flat, 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

Rail Road Flat, CA payday loan calculator

Payday Loans in Rail Road Flat, California

Life is full of surprises, and sometimes we need just a little extra cash to pay for unexpected expenses. Luckily, in California, payday loans are a legal and viable option to get you through a tough financial time. If you live in Rail Road Flat, California and are considering a payday loan, this article will guide you through the process and help you make an informed decision.

What Is a Payday Loan?

A payday loan is a short-term loan, typically for small amounts, that is meant to be repaid on the borrower’s next payday. These loans are designed to help individuals in need of quick cash and are often used to cover unexpected expenses like an emergency car repair or medical bill. Payday loans usually have higher interest rates compared to traditional loans, but they can be a lifesaver in a financial emergency.

Are Payday Loans Legal in California?

Yes, payday loans are legal in California. The state has specific regulations in place to protect its citizens from predatory lending practices. The California Department of Business Oversight (DBO) licenses and regulates payday lenders in the state.

What Are the Requirements to Apply for a Payday Loan in Rail Road Flat, California?

In order to apply for a payday loan in Rail Road Flat, California, you must:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Show proof of income
  • Have an active checking account

Some lenders may require additional information, such as proof of residency or employment. It’s important to check with the lender directly to see what their specific requirements are.

How Much Can You Borrow with a Payday Loan in Rail Road Flat, California?

The maximum amount you can borrow with a payday loan in California is $300. However, the actual amount you are able to borrow depends on your income and the lender’s specific policies.

What Are the Fees and Interest Rates for Payday Loans in Rail Road Flat, California?

Payday lenders in California are permitted to charge a maximum fee of 15% of the total amount you borrow. For example, if you borrow $100, the maximum fee you can be charged is $15. Payday loans in California are also subject to interest rates, which vary by lender. It’s important to carefully read the loan agreement to understand the total cost of borrowing before agreeing to the loan terms.

How Long Do You Have to Repay a Payday Loan in Rail Road Flat, California?

In California, payday loans must be repaid within a maximum of 31 days. If you are unable to repay the loan on time, the lender may offer an extension or a repayment plan. However, additional fees and interest may accrue during this time.

What Are the Risks of Payday Loans?

While payday loans can be a helpful financial tool in times of need, they also come with risks. Due to their high fees and interest rates, payday loans can be difficult to repay on time. If you are unable to repay the loan on time, you may be subject to additional fees and interest, which can quickly add up. Additionally, payday loans can lead to a cycle of debt if they are relied upon too heavily.

Interesting Facts and Statistics About Payday Loans in Rail Road Flat, California

  • According to the California Department of Business Oversight, there were 10.2 million payday loans issued in California in 2019, with an average loan amount of $251.
  • The average interest rate for a payday loan in California is around 400% APR
  • Only 13% of payday loan borrowers in California are able to repay the loan on time

Apply Now

If you are in need of a payday loan in Rail Road Flat, California, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders to help you find the best loan for your needs. To get started, fill out our online application and we’ll match you with potential lenders. Remember, payday loans should only be used for emergency expenses and should be repaid as soon as possible to avoid excessive fees and interest.

F.A.Q.

Are there any alternatives to payday loans in Rail Road Flat, California?

Yes, there are several alternatives to payday loans in Rail Road Flat, California that you may want to consider. For example, you can apply for a small personal loan from a bank or credit union, or you can seek help from a nonprofit organization that offers financial counseling and assistance.

How do I know if a payday lender is licensed in Rail Road Flat, California?

All payday lenders operating in Rail Road Flat, California are required to be licensed by the Department of Business Oversight. You can check the lender's license status by visiting the Department's website and searching for the lender's name.

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