Payday Loans in Stratford, California

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

Company nameAddressZip codePhone number
Advance America 985 W Manning Ave, Reedley, CA 93654 +1 (559) 637 - 1067
Nix Neighborhood Lending 5925 Atlantic Blvd, Maywood, CA 90270 +1 (323) 560 - 4980
Fairway Independent Mortgage Corporation 28202 Cabot Rd Suite 253, Suite 253, Laguna Niguel, CA 92677 +1 (949) 441 - 4227
Umpqua Bank 303 Corte Madera Town Center, Corte Madera, CA 94925 +1 (415) 785 - 2984
Thrivent Financial-Lutherans Rio Vista, CA 94571 +1 (707) 374 - 2494
U.S. Bank Branch 346 N Main St, Alturas, CA 96101 +1 (530) 233 - 4116
Title Loans Express 2214 Vesper Cir, Corona, CA 92879 +1 (951) 808 - 3065
FreeLight Financial LLC 1330 Van Beurden Dr, Los Osos, CA 93402 +1 (855) 238 - 5532
Mechanics Bank - Weed Branch 375 S Weed Blvd, Weed, CA 96094 +1 (530) 938 - 5410
Title Loans Express 18200 Yorba Linda Blvd #205, Yorba Linda, CA 92886 +1 (714) 709 - 8770

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stratford, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Burbank, CA, Quick Loan in Burlingame, CA, Same Day Loans in Calexico, CA, Payday Loans in Camarillo, CA, Online Loans in Campbell, CA, Emergency Loan in Carlsbad, CA, Short-term Loans in Carmichael, CA and Payday Loans in Carson, 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 Stratford, CA.

Beautiful sights of Stratford, CA

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

93266

Are Payday Loans Legal In Stratford, 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

Stratford, CA payday loan calculator

Understanding Payday Loans in Stratford, California

Life is unpredictable, and there are times when financial crises arise when they are least expected. When you need urgent cash and do not have other alternatives, payday loans in Stratford, California, can be an option to explore. But what are payday loans, and how do they work in Stratford, California?

What are Payday Loans in Stratford, California?

A payday loan is a small, short-term loan designed to help people pay for unexpected expenses that cannot wait until their next paycheck. In Stratford, California, payday loans are legal, regulated, and a source of relief for many people facing financial emergencies. California state law regulates the payday loan industry, so borrowers can have confidence knowing their rights and protection.

How Do Payday Loans Work in Stratford, California?

When you apply for a payday loan, you typically write a post-dated check or authorize an electronic debit from your bank account. At the time of repayment, the lender will deposit the borrowed amount into their account and cash the post-dated check or debit the borrower’s bank account for the principal, interest, and fees associated with the loan. The cost of a typical payday loan in California is 15% of the loan amount or $17.65 for every $100 borrowed. The loan term ranges between 7 and 31 days.

Benefits of Payday Loans in Stratford, California

When faced with an unexpected expense, a payday loan might seem like a lifesaver. Here are some benefits of applying for a payday loan in Stratford, California:

  • Quick Access to Cash: If you apply for a payday loan in Stratford, California, you could get cash as soon as the same day or the next business day.
  • No Credit Check: Unlike traditional loans, payday lenders in Stratford, California, do not typically require a credit check. This aspect makes it easy to access cash, even if you have a low credit score or bad credit history.
  • Regulated by California State Law: California has strict regulations that govern the payday lending industry. This protection ensures that borrowers are not exploited by predatory lenders or scammers.

Is a Payday Loan in Stratford, California Right for Me?

Before applying for a payday loan, you should carefully consider your financial situation. Payday loans can have high-interest rates and fees compared to other types of loans. Therefore, you should exhaust all other alternatives, including borrowing from friends and family, before applying for a payday loan. Only consider a payday loan when you have a pressing financial emergency and have no other credit options.

Interesting Facts or Statistics About Payday Loans in Stratford, California

Here are some interesting facts and statistics about payday loans in Stratford, California:

  • In California, a borrower can have up to $300 outstanding payday loans at one time.
  • The average APR (Annual Percentage Rate) for California payday loans is around 400%.
  • According to the California Department of Business Oversight (DBO), there are over 2,000 licensed payday loan locations in California.
  • In 2019, the DBO issued $2.7 million in fines to payday lenders in California that violated state laws and regulations.

Apply Now for a Payday Loan in Stratford, California

If you have considered all alternatives and determined that a payday loan in Stratford, California, is the best solution for your financial emergency.

TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are a connector service, not a direct lender, and we only work with lenders accredited and licensed by the state of California. To apply for a payday loan in Stratford, California, fill out the application form on our website, and we will connect you with a lender who can help you with your financial needs.

F.A.Q.

Can a payday lender require me to provide proof of a bank account in order to take out a loan in Stratford, California?

Yes, a payday lender can require you to provide proof of a bank account in order to take out a loan in Stratford, California. This is because most payday loans are repaid through electronic withdrawal from the borrower's bank account on the due date. You may be required to provide a voided check or other documentation to verify your bank account.

What is a payday loan in Stratford, California?

A payday loan in Stratford, California is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

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