Payday Loans in Soulsbyville, California

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

Company nameAddressZip codePhone number
Mechanics Bank - Nipomo Branch 615 W Tefft St, Nipomo, CA 93444 +1 (805) 929 - 1911
CoastHills Wealth Management 3880 Constellation Rd, Lompoc, CA 93436 +1 (805) 733 - 7899
ATM 4 S Investments Inc 4801 Hollister Ave, Santa Barbara, CA 93111
Payday Money Centers- Chula Vista 860 3rd Ave, Chula Vista, CA 91911 +1 (619) 425 - 2424
Bank of America Financial Center 205 W Ojai Ave, Ojai, CA 93023 +1 (805) 640 - 2944
Advance America 9345 Alondra Blvd, Bellflower, CA 90706 +1 (562) 804 - 7100
Oportun 9100 Whittier Blvd, Pico Rivera, CA 90660 +1 (562) 274 - 0699
Auto Title Loans 17600 Monterey Rd, Morgan Hill, CA 95037 +1 (408) 776 - 1123
Umpqua Bank 641 Main St, Weaverville, CA 96093 +1 (530) 623 - 5576
Check `n Go 2755 Hopyard Rd, Pleasanton, CA 94588 +1 (925) 484 - 2844

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Soulsbyville, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in National City, CA, Payday Loans in Newark, CA, Online Loans in Newport Beach, CA, Payday Loans in North Highlands, CA, Payday Loans in Norwalk, CA, 24-Hour Loan in Novato, CA, Same Day Loans in Oakland, CA and Bad Credit Loans in Oakley, 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 Soulsbyville, CA.

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

95372

Are Payday Loans Legal In Soulsbyville, 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

Soulsbyville, CA payday loan calculator

Understanding Payday Loans in Soulsbyville, California

In today’s world, many people struggle with unexpected expenses, from car repairs to medical bills. While some individuals have savings to cover these expenses, others may need to borrow money. One option available to California residents is payday loans. In this article, we will discuss everything you need to know about payday loans in Soulsbyville, California.

What Are Payday Loans?

Payday loans are short-term loans that usually have a repayment period of two weeks to a month. The borrower typically writes a post-dated check or provides their banking information, and the lender deposits the funds when the loan comes due. Payday loans are usually available to individuals with poor credit or no credit history.

Payday loans are useful in emergencies, but they come with a high cost. The annual percentage rate (APR) on payday loans in California can reach up to 460%, according to the California Department of Business Oversight.

Payday Loan Regulations in Soulsbyville, California

Payday loans are legal in California, including Soulsbyville. The state has enacted several laws to protect consumers from predatory lending practices. For example, payday lenders in California cannot charge fees that exceed 15% of the loan amount. They also cannot roll over or extend the loan term beyond 31 days.

In Soulsbyville, payday lenders must be licensed and follow state regulations. These lenders must also disclose their fees and interest rates in writing before the borrower signs the loan agreement.

Secured vs. Unsecured Payday Loans

Payday loans can be secured or unsecured. A secured payday loan requires the borrower to provide collateral, such as a car title or bank account. The lender can take possession of the collateral if the borrower fails to repay the loan.

Unsecured payday loans do not require collateral. These loans are riskier for the lender, so they usually have higher fees and interest rates.

How to Apply for a Payday Loan in Soulsbyville, California

Applying for a payday loan in Soulsbyville, California is a straightforward process. The applicant must provide proof of income, identification, and banking information. They may also need to provide proof of residency.

After the borrower submits their application and receives approval, they will receive their loan funds. They must repay the loan on or before the due date to avoid penalties.

Interesting Facts and Statistics About Payday Loans in Soulsbyville, California

  • As of 2019, there were 2,141 licensed payday lenders in California.
  • The average payday loan amount in California is $250.
  • The maximum payday loan amount in California is $300.
  • The average APR on payday loans in California is 372%.
  • Most payday loan borrowers in California have an income of less than $40,000 per year.

Apply Now for a Payday Loan in Soulsbyville, California

If you need a payday loan in Soulsbyville, California, TheGuaranteedLoans can help. We are a connector service, not a direct lender. We will provide you with access to our network of potential lenders. Fill out our online application today to get started.

Remember, payday loans should only be used as a last resort. The high fees and interest rates can trap borrowers in a cycle of debt. Consider other options, such as borrowing from family or friends, before taking out a payday loan.

F.A.Q.

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

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

How do I apply for a payday loan in Soulsbyville, California?

To apply for a payday loan in Soulsbyville, California, you must visit a payday lender in person and provide proof of income, identification, and a blank check from an active checking account.

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