Payday Loans in San Geronimo, California

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

Company nameAddressZip codePhone number
Thrivent Financial 150 Carmelito Ave, Monterey, CA 93940 +1 (831) 424 - 6500
Walmart Money Center 1906 Fort Jones Rd, Yreka, CA 96097 +1 (530) 842 - 7330
Apoyo Financiero Santa Rosa 443 Dutton Ave 3, Santa Rosa, CA 95407 +1 (707) 202 - 6222
Advance America 3838 La Sierra Ave, Riverside, CA 92505 +1 (951) 509 - 9311
Advance America 14590 7th St, Victorville, CA 92395 +1 (760) 241 - 6683
Bank of America Financial Center 6312 Atlantic Ave, Bell, CA 90201 +1 (323) 326 - 1300
Prestamos Rapidos 4532 Whittier Blvd 200, Los Angeles, CA 90022 +1 (323) 266 - 3735
5 Star Car Title Loans 1201 W Manchester Blvd, Inglewood, CA 90301 +1 (310) 455 - 8042
Union Bank 1001 S Main St, Salinas, CA 93901 +1 (831) 754 - 6814
Swift Title Loans Salida 4597 Broadway Ave, Salida, CA 95368 +1 (209) 208 - 8128

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in San Geronimo, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Walnut Creek, CA, Payday Loans in Watsonville, CA, Online Loans in West Covina, CA, Payday Loans in West Hollywood, CA, Guaranteed Loans in West Sacramento, CA, Payday Loans in Westminster, CA, Short-term Loans in Whittier, CA and Same Day Loans in Wildomar, 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 San Geronimo, CA.

Beautiful sights of San Geronimo, CA

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

94963

Are Payday Loans Legal In San Geronimo, 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

San Geronimo, CA payday loan calculator

Payday Loans in San Geronimo, California

Payday loans are a popular type of short-term loan that many people in San Geronimo, California, use when they need quick cash. These loans are generally considered to be a convenient and easy way to access funds when you have an unexpected expense or emergency to cover.

However, payday loans can also be expensive and come with high interest rates. In this article, we’ll dive into everything you need to know about payday loans in San Geronimo, California, so you can make an informed decision if you’re considering borrowing one.

What are Payday Loans?

Payday loans are a type of short-term loan designed to help you get through a financial emergency, such as a car repair, unexpected medical bill, or other expense that you can’t handle with your regular income. The loans are usually for small amounts, typically ranging from $100 to $1,000, and they are meant to be repaid within a few weeks or when you get your next paycheck.

To apply for a payday loan, you’ll need to provide proof of income and identification, and you’ll need to have a checking account in good standing. Once approved, the lender will usually give you the money either in cash or via direct deposit into your bank account.

How Do Payday Loans Work?

When you apply for a payday loan, the lender will review your application and determine if they can lend you the money. If you’re approved, you’ll be given the loan amount along with a finance charge. This charge is usually a fixed fee per $100 borrowed, and it’s added to the total amount you owe.

For example, if you borrow $300 and the finance charge is $30, you’ll owe $330 to the lender when the loan is due.

Most payday loans are due on your next payday, which is why they’re called payday loans. The lender will usually require you to give them a post-dated check or authorize them to withdraw the payment from your checking account on the due date. If you’re not able to repay the loan by the due date, you may be charged additional fees or interest.

Payday Loans in San Geronimo, California

In California, payday loans are legal and regulated by the California Department of Business Oversight. Lenders are required to follow certain rules and regulations, including:

  • The maximum loan amount is $300
  • The maximum loan term is 31 days
  • The finance charge cannot exceed 15% of the loan amount

While payday loans can be a way to access quick cash, they can also be expensive if not repaid on time. In San Geronimo, California, the interest rate for payday loans can be as high as 460% APR. This means that if you borrow $300 for 14 days, you could end up owing $345 in total.

Benefits of Payday Loans

Payday loans can be a convenient and easy way to access quick cash when you need it. Here are some of the benefits of payday loans:

  • Quick access to funds
  • No credit check required
  • Easy application process

Since payday loans don’t require a credit check, they can be a good option for people with a poor credit score or no credit history. However, it’s important to remember that payday loans can be expensive, so they should only be used as a last resort.

Apply Now

If you’re considering a payday loan in San Geronimo, California, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but a connector service that helps you find the right lender for your needs. To apply for a payday loan through our website, simply fill out the online application form and we’ll take care of the rest.

Remember, payday loans can be expensive and come with high interest rates, so make sure you understand the terms and conditions before you apply. If you’re not able to repay the loan on time, you could end up owing more money and damaging your credit score.

Interesting Facts and Statistics

  • In San Geronimo, California, the average payday loan amount is $255.
  • The average APR for payday loans in California is 372%.
  • According to a 2019 report by the California Department of Business Oversight, the total volume of payday loans in California was $4.2 billion in 2018.
  • California has the most payday loan storefronts of any state in the US, with over 2,000 locations.

Conclusion

Payday loans can be a helpful resource for people in San Geronimo, California, who need quick cash for unexpected expenses. However, they can also be expensive and come with high interest rates. If you’re considering a payday loan, make sure you understand the terms and conditions, and only borrow what you can afford to repay. Use payday loans as a last resort and explore other options first, such as borrowing from friends or family, negotiating with creditors, or looking for additional sources of income.

At TheGuaranteedLoans, we are here to help connect you with potential lenders for your short-term loan needs. If you’re ready to apply for a payday loan, visit our website today and fill out our online application form. We’ll take care of the rest.

F.A.Q.

Can a payday lender charge me a higher interest rate if I have bad credit in San Geronimo, California?

Yes, a payday lender can charge you a higher interest rate if you have bad credit in San Geronimo, California. This is because borrowers with bad credit are considered to be higher risk, and lenders may charge higher interest rates in order to compensate for this risk.

Can a payday lender require me to provide a post-dated check in order to take out a loan in San Geronimo, California?

Yes, a payday lender can require you to provide a post-dated check in order to take out a loan in San Geronimo, California. This check will be dated for your next payday and will be used to repay the loan in full.

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