Payday Loans in Tomales, California

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

Company nameAddressZip codePhone number
Check Into Cash 2621 Oswell St Suite 109, Bakersfield, CA 93306 +1 (661) 872 - 9726
Pap Machinery Agriculture & Turf 3119 Twin View Blvd, Shasta Lake, CA 96019 +1 (530) 226 - 9226
Greystone Loans, Inc. 706 N Mountain Ave, Ontario, CA 91762 +1 (909) 467 - 1090
TNL Car Title Loans 3280 Chino Hills Pkwy, Chino Hills, CA 91709 +1 (909) 927 - 4369
Advance America 263 E Orange Ave Ste. D2, Chula Vista, CA 91911 +1 (619) 425 - 8456
Frontera Cash And Loan 1772 Piner Rd, Santa Rosa, CA 95403 +1 (707) 579 - 2825
Order Express 16394 E 14th St 3110, San Leandro, CA 94578 +1 (888) 666 - 1602
TNL Car Title Loans 18 Crow Canyon Ct Ste F, San Ramon, CA 94583 +1 (925) 326 - 4720
Mountain Coast Mortgage 723 E Main St, Santa Maria, CA 93454 +1 (805) 347 - 4488
U.S. Bank Branch 1503 Solano St, Corning, CA 96021 +1 (530) 824 - 4316

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Tomales, CA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Garden Grove, CA, Emergency Loan in Gardena, CA, Payday Loans in Gilroy, CA, Payday Loans in Glendale, CA, Payday Loans in Glendora, CA, Guaranteed Loans in Goleta, CA, Online Loans in Hacienda Heights, CA and Payday Loan Without a Credit Check in Hanford, 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 Tomales, CA.

Beautiful sights of Tomales, CA

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

94971

Are Payday Loans Legal In Tomales, 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

Tomales, CA payday loan calculator

Payday Loans in Tomales, California – What You Need to Know

When unexpected expenses arise, payday loans can be a helpful option for those who need a quick infusion of cash. These short-term loans are designed to be repaid within a short period, usually within the borrower’s next paycheck, and can provide immediate relief for those who are struggling to make ends meet. In California, payday loans are legal, and residents of Tomales have access to a variety of lenders offering these services.

How Payday Loans Work

Payday loans are typically small-dollar loans, with the average loan amount in California being around $300. To apply for a payday loan, borrowers will need to provide proof of income, a valid ID, and a checking account. Once approved, the loan is usually deposited into the borrower’s bank account within hours or the next business day.

Payday loans come with high interest rates and fees, and repayment is usually due within a few weeks. If the borrower is unable to repay the loan on time, the lender may charge additional fees and interest or rollover the loan. This can result in a cycle of debt that can be difficult to escape, making it crucial to borrow only the amount needed and have a plan for repayment.

The Benefits of Payday Loans

Payday loans can provide a lifeline for those facing an unexpected expense or emergency. Unlike traditional loans, the application process is quick and easy, and approval rates are often higher. This makes them an attractive option for those with poor credit or those who may not qualify for other types of loans.

Additionally, payday loans are unsecured loans, meaning borrowers do not have to put up collateral to secure the loan. This makes them less risky than secured loans, which require borrowers to pledge assets such as a car or home as collateral. In the event of non-payment, the lender can repossess the collateral to recoup their losses.

The Risks of Payday Loans

While payday loans can provide much-needed financial relief, they also come with significant risks. Due to their high cost and short repayment terms, borrowers can quickly find themselves in a cycle of debt. According to a report by the California Department of Business Oversight, the average borrower takes out 10 payday loans in a year, and nearly 40% of borrowers roll over their loans five times or more.

In addition to the cycle of debt, payday loans can also be used by predatory lenders to trap borrowers in a cycle of debt. These lenders may charge exorbitant fees and interest rates, making repayment nearly impossible for borrowers. It’s important to research lenders before applying for a loan and to be aware of the risks associated with payday loans.

Interesting Facts and Statistics about Payday Loans in Tomales, California

  • Tomales has a population of less than 300 people and is located in Marin County, California. While there are no payday loan storefronts in Tomales, residents have access to lenders in nearby cities.
  • California law caps the interest rate for payday loans at 460% APR, which is higher than many other states.
  • In California, payday lenders are required to be licensed by the Department of Financial Protection and Innovation (DFPI) and must follow specific guidelines.
  • The vast majority of payday loan borrowers in California are low-income, with an average annual income of $25,000 or less.

Apply Now

If you’re considering a payday loan in Tomales, California, TheGuaranteedLoans can help you connect with potential lenders. As a connector service, TheGuaranteedLoans will match you with a lender that best fits your needs and financial situation. Simply fill out our online application form, and we’ll do the rest. Please note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. We are a connector service that facilitates connections between borrowers and lenders.

Remember to borrow responsibly and only what you can afford to pay back. Payday loans can be a helpful financial tool when used correctly, but they can quickly become a burden if not managed properly. Always read the terms and conditions carefully and make sure you understand the fees and repayment terms before accepting a loan offer.

F.A.Q.

Can I be sued or have my wages garnished if I can't repay my payday loan in Tomales, California?

in Tomales, California, payday lenders are prohibited from suing or garnishing the wages of borrowers who are unable to repay their loans. However, the lender may still be able to collect on the loan through other means, such as by depositing the borrower's post-dated check or taking the borrower to court.

Can I be charged a higher interest rate or fees if I have bad credit or no credit history in Tomales, California?

in Tomales, California, payday lenders are prohibited from charging higher interest rates or fees based on a borrower's credit score or credit history. All borrowers must be charged the same maximum interest rate and finance charge, regardless of their credit history.

Look for Short-Term Loans in Other Cities:

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