Payday Loans in Wallace, California

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

Company nameAddressZip codePhone number
Lucky Money 2135 Tully Rd B, San Jose, CA 95122 +1 (408) 258 - 5402
Cornerstone Home Lending Inc. Mortgage Lenders Santa Barbara - Refinancing & VA home loan 1826 State St, Santa Barbara, CA 93101 +1 (805) 563 - 1100
Union Bank 11 S Milpitas Blvd, Milpitas, CA 95035 +1 (408) 956 - 5150
Fast Auto and Payday Loans 5201 Auburn Blvd, Sacramento, CA 95841 +1 (916) 348 - 7092
Individual Cash Management 790 Laurel St # 111, San Carlos, CA 94070 +1 (650) 637 - 8300
Montana Capital Car Title Loans 2164 Washington Ave, San Leandro, CA 94577 +1 (510) 671 - 0040
Phil Caulfield NMLS 386911 398 Primrose Rd 226, Burlingame, CA 94010 +1 (650) 222 - 0386
ATM U.S. Bank El Cerrito - Safeway 11450 San Pablo Ave, El Cerrito, CA 94530 +1 (800) 627 - 3999
Union Bank 453 Miller Ave, Mill Valley, CA 94941 +1 (415) 526 - 1160
Palma Financial Services, Inc 11840 Dublin Blvd, Dublin, CA 94568 +1 (925) 307 - 5454

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wallace, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Napa, CA, Payday Loans in National City, CA, Payday Loans in Newark, CA, Bad Credit Loans in Newport Beach, CA, Guaranteed Loans in North Highlands, CA, Payday Loans in Norwalk, CA, Quick Loan in Novato, CA and Emergency Loan in Oakland, 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 Wallace, CA.

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

95254

Are Payday Loans Legal In Wallace, 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

Wallace, CA payday loan calculator

Payday Loans in Wallace, California – A Comprehensive Guide

For many people, payday loans can be the solution for short-term financial difficulties. California, in particular, has strict laws in place governing payday loans. In this guide, we will take a deep dive into the world of payday loans in Wallace, California and provide the necessary information to make informed decisions about these loans.

The Basics of Payday Loans – Explained

Payday loans are a type of short-term loan that is typically taken out for two to four weeks. The borrower is expected to repay the loan with interest and fees by the due date. In California, the maximum loan amount that someone can borrow is $300, with a maximum fee of 15% of the loan amount. This means that if someone borrows $100, they will have to pay back $115 on their due date.

One of the benefits of payday loans is that they are relatively easy to obtain. There is no requirement for a credit check for loan approval, which can be helpful if you have a poor credit score or no credit history at all.

The Pros and Cons of Payday Loans

While payday loans have their benefits, they also have their downsides. Here is a list of the pros and cons of payday loans:

Pros:

  • Quick access to funds for short-term financial needs
  • No requirement for a credit check
  • Simple application process
  • Available to people who do not have access to other forms of credit

Cons:

  • High-interest rates and fees
  • Easy to fall into a cycle of debt if you cannot repay the loan by the due date
  • May lead to further financial difficulties if not used responsibly

Interesting Facts and Statistics on Payday Loans in Wallace, California

  • California has the most payday loan stores in the United States, with over 2,000 storefronts.
  • In 2019, California payday lenders made more than $3.6 billion in loans, charging more than $1.1 billion in fees.
  • On average, Californians take out 12 payday loans per year, with an average loan amount of $251.
  • Payday lenders target low-income neighborhoods, with 62% of storefronts located in zip codes where the median income is below $47,000.

Apply Now – Connect with Potential Lenders

If you are in need of a payday loan and are considering applying, TheGuaranteedLoans can be a helpful resource. We are a connector service that specializes in connecting borrowers with potential lenders. By filling out our online application form, we will facilitate your connection with lenders who may be willing to offer you a loan. Remember, it is important to use payday loans responsibly and only borrow what you can repay on time.

Remember, taking out a payday loan is a serious decision that should only be taken after careful consideration. TheGuaranteedLoans is here to help you make the best decision for your specific financial situation.

F.A.Q.

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

in Wallace, 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 Wallace, California?

in Wallace, 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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