Payday Loans in Surfside, California

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

Company nameAddressZip codePhone number
Allied Cash Advance 6406 Commerce Blvd, Rohnert Park, CA 94928 +1 (707) 588 - 8343
USA Checks Cashed & Payday Advance 13622 Bear Valley Rd., Suite B-12, Victorville, CA 92392 +1 (760) 951 - 0121
Continental Currency Services 2401 W Manchester Blvd, Inglewood, CA 90305 +1 (323) 759 - 1000
TNL Car Title Loans 900 Pier View Way #110, Oceanside, CA 92054 +1 (760) 208 - 2710
Sierra Pacific Mortgage 10075 W River St 203, Truckee, CA 96161 +1 (916) 850 - 6014
E Z Check Advance 3701 Huntington Dr, Pasadena, CA 91107 +1 (626) 321 - 9642
Wells Fargo Bank 14918 Olympic Dr, Clearlake, CA 95422 +1 (707) 994 - 0294
Speedy Cash 6740 Reseda Blvd, Reseda, CA 91335 +1 (818) 708 - 2274
ACE Cash Express 6 W Colton Ave, Redlands, CA 92374 +1 (909) 307 - 9992
El Dorado Savings Bank 740 N Lake Blvd, Tahoe City, CA 96145 +1 (530) 583 - 3718

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Surfside, CA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Manhattan Beach, CA, Payday Loans in Manteca, CA, Payday Loan Companies in Martinez, CA, Payday Loans in Menifee, CA, Payday Loans in Menlo Park, CA, Payday Loans in Merced, CA, Payday Loans in Milpitas, CA and Payday Loans in Mission Viejo, 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 Surfside, CA.

Beautiful sights of Surfside, CA

Are Payday Loans Legal In Surfside, 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

Surfside, CA payday loan calculator

Payday Loans in Surfside, California

When it comes to financial emergencies, payday loans can be a quick and convenient solution. If you live in Surfside, California, you’re in luck, as payday loans are legal in the state. In this article, we’ll cover everything you need to know about payday loans in Surfside, California.

What Are Payday Loans?

Payday loans are short-term loans designed to help you cover unexpected expenses between paychecks. They are usually due on your next payday and the loan amount is based on your income and employment history.

Payday loans can be a convenient and fast way to get cash when you need it, but they can also come with high interest rates and fees. Lenders must provide detailed information about the loan’s terms and fees before you sign an agreement.

Payday Loans in Surfside, California

In California, the maximum amount you can borrow with a payday loan is $300, and the maximum loan term is 31 days. Lenders can charge a fee of up to 15% of the loan amount, which can add up to an annual percentage rate (APR) of up to 460%.

It’s important to note that lenders cannot roll over or extend the loan, which means you can’t take out another payday loan to pay off the first one. California law also limits borrowers to one loan at a time and requires a cooling-off period of at least one day between loans.

Benefits of Payday Loans

Payday loans offer several benefits for those in need of quick cash. Here are some advantages to consider:

  • Fast approval: Unlike traditional loans, payday loans are often approved within minutes, and funds can be deposited into your account as soon as the next business day.
  • No credit check: Payday lenders typically don’t require a credit check, which makes payday loans accessible to people with poor credit or no credit history.
  • Convenient application process: You can apply for a payday loan online, in-store, or over the phone, making it a convenient option when you need cash quickly.

Drawbacks of Payday Loans

While payday loans can help in a financial pinch, it’s important to be aware of the potential drawbacks, including:

  • High fees and interest rates: Payday loans can come with high fees and interest rates, which can make them a costly option over time.
  • Potential for debt cycle: If you can’t pay back the loan on time, the lender may offer to roll over the loan or provide another loan, which can lead to a cycle of debt.
  • Not a sustainable solution: Payday loans are designed to be a short-term solution and may not address the root cause of the financial problem, such as budgeting or increasing income.

Apply Now

If you need a payday loan in Surfside, California, TheGuaranteedLoans.com can help. We are a connector service that connects potential borrowers with lenders who may be willing to offer a loan. Simply fill out our online application form and we’ll help match you with a lender.

It’s important to note that we are not a direct lender, and we do not make credit decisions. However, we’ll make the process as easy as possible for you by facilitating your connection with potential lenders.

Interesting Facts and Statistics about Payday Loans in Surfside, California

– According to the California Department of Business Oversight, 10.8% of Californians used a payday loan in 2019.
– The average payday loan in California is $250, and borrowers typically take out two loans per year.
– In 2019, the total number of payday loans in California was 10 million, and the total loan amount was $2.8 billion.

Conclusion

Payday loans can be a helpful tool to manage unexpected expenses or emergencies. However, it’s important to understand the terms and fees, as well as the potential drawbacks before taking out a loan. If you need a payday loan in Surfside, California, consider using a connector service like TheGuaranteedLoans.com to help connect you with a potential lender and make the process easier.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a repeat borrower in Surfside, California?

in Surfside, California, payday lenders are prohibited from charging higher interest rates or fees to repeat borrowers. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of how many times they have borrowed in the past.

Can I be charged a higher interest rate or fees if I am a borrower who has defaulted on a payday loan in the past in Surfside, California?

in Surfside, California, payday lenders are prohibited from charging higher interest rates or fees to borrowers who have defaulted on a payday loan in the past. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of their borrowing history.

Look for Short-Term Loans in Other Cities:

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