Payday Loans in Bethel Island, California

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

Company nameAddressZip codePhone number
Homebridge Financial Services - TeamUrias.com 42007 Fox Farm Rd 4, Big Bear Lake, CA 92315 +1 (909) 866 - 8877
Umpqua Bank Home Lending 3550 Round Barn Blvd 207, Santa Rosa, CA 95403 +1 (707) 508 - 3687
TNL Car Title Loans 600 Central Ave Ste 470, Lake Elsinore, CA 92530 +1 (951) 256 - 4312
TNL Car Title Loans 140 N Luring Dr Ste W, Palm Springs, CA 92262 +1 (760) 699 - 2605
Check 'n Go 2549 Sycamore Dr, Simi Valley, CA 93065 +1 (805) 581 - 4800
Montana Capital Car Title Loans 8781 Cuyamaca St, Santee, CA 92071 +1 (619) 648 - 4658
California Consumer Lending 9124 E Las Tunas Dr, Temple City, CA 91780 +1 (626) 281 - 2030
5 Star Car Title Loans 8072 Archibald Ave, Rancho Cucamonga, CA 91730 +1 (909) 699 - 0456
Savings Bank of Mendocino County 145 S Main St, Willits, CA 95490 +1 (707) 459 - 5533
California Check Cashing Stores 412 W Ave J suite a, Lancaster, CA 93534 +1 (661) 945 - 6900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bethel Island, CA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Pleasanton, CA, Payday Loans in Pomona, CA, Payday Loan Without a Credit Check in Porterville, CA, 24-Hour Loan in Poway, CA, Short-term Loans in Rancho Cordova, CA, Payday Loan Without a Credit Check in Rancho Cucamonga, CA, Guaranteed Loans in Rancho Palos Verdes, CA and 24-Hour Loan in Rancho Santa Margarita, 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 Bethel Island, CA.

Beautiful sights of Bethel Island, CA

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

94511

Are Payday Loans Legal In Bethel Island, 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

Bethel Island, CA payday loan calculator

Payday Loans in Bethel Island, California – What You Need to Know

Payday loans offer a quick and convenient way to cover unexpected expenses or urgent financial needs. In Bethel Island, California, payday loans are legal and regulated by the California Department of Business Oversight. However, before you apply for a payday loan, it is important to understand what they are, how they work, and what risks and benefits they entail. This comprehensive guide will provide you with all the essential information you need to make an informed decision about payday loans in Bethel Island, California.

What are Payday Loans?

Payday loans are short-term, high-interest loans that are typically due on your next payday. They are designed to provide borrowers with access to cash quickly and easily, without the need for collateral or a credit check. Payday loans are usually for amounts ranging from $100 to $1000, although some lenders may offer higher amounts depending on your income and creditworthiness.

To qualify for a payday loan in Bethel Island, you typically need to have:

  • A valid ID or driver’s license
  • Proof of income, such as a pay stub or bank statement
  • A checking account in your name
  • A working phone number and email address

How do Payday Loans Work?

The application process for a payday loan is usually quick and straightforward. You can apply online or in person at a payday loan store. Once you submit your application and provide the required documentation, the lender will review your information and determine your eligibility for a loan. If approved, you will receive the loan amount in cash or deposited directly into your checking account within a few hours or the next business day.

The repayment terms for a payday loan in Bethel Island, California, are usually on the borrower’s next payday. At that time, the borrower must repay the loan amount plus interest and any fees or charges that apply. Some lenders offer rollover or renewal options, which allow borrowers to extend the repayment period by paying additional fees. However, this can lead to a cycle of debt that can be difficult to break out of.

What are the Risks and Benefits of Payday Loans?

Payday loans have both risks and benefits that should be carefully considered before you apply for one. Some of the potential risks you should be aware of include:

  • High-interest rates: The APR for a payday loan in California can be as high as 460%.
  • Short repayment terms: You may have to repay the loan in just a few weeks, which can be difficult if you have other bills to pay.
  • Roll-over or renewal fees: If you are unable to repay the loan on your next payday, you may be charged additional fees and interest to extend the loan.
  • Debt cycle: If you are unable to repay the loan on time, you may be tempted to take out another loan to cover the repayment, leading to a cycle of debt.

However, payday loans can also have some benefits, including:

  • Quick access to cash: Payday loans can provide immediate funding to cover unexpected expenses or emergencies.
  • No credit check: Payday loans do not require a credit check, so even if you have bad credit, you may still be able to qualify for a loan.
  • No collateral required: Payday loans are unsecured, so you do not need to provide any collateral to obtain a loan.

Interesting facts and statistics about Payday loans in Bethel Island, California

  • In 2016, there were over 10,000 payday loan storefronts in the United States, with California having the most with over 1,400.
  • According to the Center for Responsible Lending, California payday loan borrowers pay over $507 million in fees each year.
  • In 2019, California passed a law capping interest rates on loans of $2500-$10,000 at 36%. However, this law does not apply to payday loans.
  • The average APR for a payday loan in California in 2019 was 372%.

Apply Now

If you need quick funding for an unexpected expense or emergency, TheGuaranteedLoans can help connect you with potential lenders for a payday loan in Bethel Island, California. Simply fill out our online application form, and we will match you with lenders who may be able to provide you with the funds you need. Remember that we are a connector service and not a direct lender. We do not make credit decisions or charge any fees for our services. Our goal is to help you find the right lender for your needs so you can get the financial assistance you need quickly and easily.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a member of the military in Bethel Island, California?

in Bethel Island, California, payday lenders are prohibited from charging higher interest rates or fees to military members or their dependents. Military members and their dependents are entitled to the same maximum interest rate and finance charge as all other borrowers in Bethel Island, California.

Can I be charged a higher interest rate or fees if I am a senior citizen in Bethel Island, California?

in Bethel Island, California, payday lenders are prohibited from charging higher interest rates or fees to senior citizens. All borrowers, regardless of age, are entitled to the same maximum interest rate and finance charge.

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