Payday Loans in Baker, California

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

Company nameAddressZip codePhone number
Arcata Economic Development 707 K St, Eureka, CA 95501 +1 (707) 798 - 6132
Check Into Cash 195 McCray St Suite #503, Hollister, CA 95023 +1 (831) 630 - 1868
Check `n Go 1210 Magnolia Ave Suite 102, Corona, CA 92881 +1 (951) 340 - 9700
5 Star Car Title Loans 4651 Holt Blvd B, Montclair, CA 91763 +1 (909) 347 - 5388
Lending Concepts 565 Pollasky Ave 201, Clovis, CA 93612 +1 (559) 322 - 1196
Bank of America Financial Center M, 27752 Antonio Pkwy, Ladera Ranch, CA 92694 +1 (949) 364 - 4151
Del Norte Pawn & Jewelry 307 US-101, Crescent City, CA 95531 +1 (707) 464 - 8148
Fernando's Check Cashing 2950 Cochran St, Simi Valley, CA 93065 +1 (805) 749 - 0318
Advance America 385 M St Unit A-6, Crescent City, CA 95531 +1 (707) 464 - 9888
Dos Amigos Check Cashing 1131 Durfee Ave, South El Monte, CA 91733 +1 (626) 531 - 3351

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Baker, CA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Danville, CA, Payday Loans in Davis, CA, Payday Loans in Delano, CA, Payday Loans in Diamond Bar, CA, Online Loans in Downey, CA, Bad Credit Loans in Dublin, CA, Bad Credit Loans in El Cajon, CA and Payday Loans in El Centro, 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 Baker, CA.

Beautiful sights of Baker, CA

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

92309

Are Payday Loans Legal In Baker, 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

Baker, CA payday loan calculator

Understanding Payday Loans in Baker, California

Payday loans are small-dollar, short-term loans that come with high-interest rates and fees. In Baker, California, they are legal, but there are certain regulations lenders must adhere to. It’s essential to understand the risks and benefits before deciding to take out a payday loan.

How Payday Loans Work in Baker, California

Payday loans are meant to be a quick solution to unexpected expenses. In Baker, California, lenders can provide up to $300 for a maximum term of 31 days. To qualify, borrowers need to have a steady income source, an active checking account, and a valid government-issued ID.

The application process is straightforward and can be done online or in-store. Once approved, the funds are deposited into the borrower’s checking account. On the due date, the lender will withdraw the loan amount, plus interest and fees, directly from the borrower’s account.

Risks Associated with Payday Loans

Payday loans come with high-interest rates and fees, making them an expensive option. In Baker, those fees can reach up to 460% APR. If borrowers can’t pay off the loan on time, they may be hit with additional fees and even legal action from the lender.

Additionally, payday loans can lead to a cycle of debt, where borrowers take out additional loans to pay off the previous ones. This can result in a dangerous financial spiral that can be hard to break out of. For this reason, consumer advocates and government officials encourage borrowers to explore other options before taking out a payday loan.

Benefits of Payday Loans

Despite the risks, there are some benefits to taking out a payday loan. For those with limited access to traditional credit, a payday loan may be the only available option. Additionally, payday loans can be processed quickly, providing borrowers with funds when they need them most.

Regulations for Payday Loans in Baker, California

In Baker, payday lenders must be licensed and regulated by the California Department of Business Oversight. There are also specific rules that lenders must follow to protect borrowers, including:

  • No more than $300 loan amount
  • Maximum term of 31 days
  • No loans to any borrower who currently has more than one payday loan outstanding
  • No rollovers
  • No criminal action can be taken against borrowers who fail to repay a loan

Interesting Facts and Statistics About Payday Loans in Baker, California

  • There are over 2,000 licensed payday loan locations in California
  • Payday lenders in California collect more than $360 million in fees annually
  • Approximately 12 million Americans use payday loans each year
  • The average payday loan borrower takes out eight loans per year

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Baker, California, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are a connector service, not a direct lender. We work with a network of lenders to increase your chances of finding a loan that fits your needs.

To apply, fill out our online application form. We’ll gather some basic information about you and your financial situation to find lenders that may be a good fit. From there, lenders will review your application and, if approved, provide you with the terms of the loan.

Remember, payday loans come with high-interest rates and fees and should be used as a last resort. Make sure to read and understand the terms of any loan before signing on the dotted line.

F.A.Q.

Can a payday lender charge me a fee for taking out a loan in Baker, California?

Yes, a payday lender can charge you a fee for taking out a loan in Baker, California. This fee is typically a percentage of the amount borrowed and is added to the total cost of the loan. For example, a lender may charge a $10 fee for every $100 borrowed.

Can a payday lender require me to renew my loan if I am unable to repay it on time in Baker, California?

Yes, a payday lender can require you to renew your loan if you are unable to repay it on time in Baker, California. This means that you will have to pay additional interest and fees in order to extend the loan for another period of time.

Look for Short-Term Loans in Other Cities:

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