Payday Loans in Saratoga, California

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

Company nameAddressZip codePhone number
Redwood Credit Union 301 N McDowell Blvd, Petaluma, CA 94954 +1 (707) 545 - 4000
Advance America 2414 W Kettleman Ln Suite 200, Lodi, CA 95242 +1 (209) 367 - 4496
PB Financial Group Corporation 6380 Wilshire Blvd 1610, Los Angeles, CA 90048 +1 (323) 935 - 5555
Wells Fargo Bank 195 N Fairview Ave, Goleta, CA 93117 +1 (805) 967 - 1242
Sierra Pacific Mortgage - Rancho Santa Margarita 30211 Avenida De Las Banderas 200, Rancho Santa Margarita, CA 92688 +1 (714) 689 - 9757
Check `n Go 11100 San Pablo Ave Suite 111, El Cerrito, CA 94530 +1 (510) 235 - 4300
California Check Cashing Stores 7800 Sunrise Blvd #2, Citrus Heights, CA 95610 +1 (916) 722 - 3495
Advance-e-Cash 1625 N Market Blvd, Sacramento, CA 95834 +1 (800) 952 - 5210
Bank of Stockton Brentwood 6590 Lone Tree Way, Brentwood, CA 94513 +1 (925) 420 - 3400
Allied Cash Advance 510 Q, Canal St, King City, CA 93930 +1 (831) 386 - 9047

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saratoga, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Seaside, CA, Short-term Loans in Simi Valley, CA, Payday Loans in South Gate, CA, Payday Loans in South San Francisco, CA, Short-term Loans in Stanton, CA, Payday Loan Companies in Stockton, CA, Payday Loan Companies in Sunnyvale, CA and Payday Loan Without a Credit Check in Temecula, 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 Saratoga, CA.

Beautiful sights of Saratoga, CA

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

95070, 95071

Are Payday Loans Legal In Saratoga, 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

Saratoga, CA payday loan calculator

Understanding Payday Loans in Saratoga, California

Payday loans are offered as short-term relief to borrowers who are unable to make ends meet until their next payday. In California, these loans are legal and can be obtained through licensed lenders. Payday loans in Saratoga, California are regulated by the California Department of Business Oversight (DBO).

The Loan Process

The first step in obtaining a payday loan is to find a licensed lender. This can be done either online or in-person. California state law limits the loan amount to $300, and the borrowing period is limited to 31 days. Once a borrower completes the application process, the lender will review the application for approval. Generally, approval is granted within a few hours, and the borrower receives the funds either in cash or via direct deposit to their bank account.

The borrower is then required to repay the loan on the due date, which is typically their next payday. Lenders are allowed to charge interest rates of up to 15% of the total loan amount. Borrowers who are unable to repay the loan on the due date may be granted a rollover loan, which allows for an extension of the due date. However, each rollover loan comes with additional fees and interest, which can quickly add up and make the loan unaffordable for the borrower.

Criticism and Controversy

Payday loans have come under fire from consumer advocates who argue that they prey on vulnerable borrowers who are unable to repay the loans, resulting in a spiral of debt. The short-term nature of the loans and high interest rates can create a cycle of borrowing and indebtedness that is difficult for borrowers to escape.

Critics have also accused payday lenders of using deceptive tactics to lure borrowers into taking out loans they may be unable to afford. Additionally, some studies have shown that payday loans tend to be concentrated in low-income areas, which raises concerns about exploitative lending practices that target vulnerable communities.

Facts and Statistics

  • According to the California Department of Business Oversight, the average payday loan in the state is $250, with an annual percentage rate (APR) of 372%, as of 2021.
  • In 2020, Californians took out more than 10 million payday loans, totaling over $2.8 billion in loan volume, according to the Center for Responsible Lending.
  • A 2019 survey conducted by the DBO found that more than 80% of payday loan borrowers in California have incomes of $40,000 or less.

Apply Now

It’s important to remember that payday loans should only be used as a last resort and borrowers should consider all options before taking out a loan. However, if you find yourself in need of short-term relief, TheGuaranteedLoans can help connect you with licensed lenders in Saratoga, California who offer payday loans. Fill out our online application and we will facilitate your connection with potential lenders. Please remember that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. We are a connector service committed to helping consumers find legitimate lenders who can provide the financial relief they need.

F.A.Q.

Can a payday lender require me to pay a fee to apply for a loan in Saratoga, California?

Yes, payday lenders in Saratoga, California are allowed to charge a fee to cover the cost of processing your loan application. However, the fee must be reasonable and cannot exceed $17.65 per $100 borrowed.

Can a payday lender require me to pay a fee if I am unable to repay my loan on time in Saratoga, California?

Yes, payday lenders in Saratoga, California are allowed to charge a fee if you are unable to repay your loan on time. This fee is known as a "returned item fee" and is intended to cover the cost of processing a returned payment. However, the fee cannot exceed $15.

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