Payday Loans in Cerritos, California

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Payday Loan Companies in Cerritos, CA

Company nameAddressZip codePhone number
Amrock 17785 Center Ct Dr N 760 90703 +1 (562) 356 - 0712
Bank of America Financial Center 18641 Gridley Rd 90703 +1 (562) 403 - 6240
Chase Bank 11900 South St 90703 +1 (562) 865 - 1839
Downey Savings & Loan 11350 South St 90703 +1 (562) 467 - 1292
SchoolsFirst Federal Credit Union - Cerritos 17500 Bloomfield Ave 90703 +1 (800) 462 - 8328
Time Finance 10900 183rd St #185 90703 +1 (562) 565 - 2560
TNL Car Title Loans 10900 183rd St Ste 244 90703 +1 (562) 645 - 4557
Wells Fargo Bank 18712 Gridley Rd 90703 +1 (562) 924 - 1616

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cerritos, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chico, CA, Payday Loans in Chino, CA, Payday Loans in Chino Hills, CA, Payday Loans in Chula Vista, CA, Guaranteed Loans in Citrus Heights, CA, Payday Loan Without a Credit Check in Claremont, CA, Payday Loan Without a Credit Check in Clovis, CA and Payday Loans in Coachella, 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 Cerritos, CA.

Beautiful sights of Cerritos, CA

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

90703

Are Payday Loans Legal In Cerritos, 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

Cerritos, CA payday loan calculator

What Are Payday Loans?

Payday loans, or short-term loans, are designed to meet immediate financial needs with quick cash. To obtain a payday loan, borrowers typically write a postdated check for the loan amount plus a fee, which they agree to have the lender hold until the next payday. While this type of loan can provide access to funds quickly, it is important to be aware of the risks, regulations, and costs associated with payday loans in Cerritos, California.

Are Payday Loans Legal in California?

Yes, payday loans are legal in California. The California Deferred Deposit Transaction Law regulates payday loan transactions in the state. Specifically, it requires lenders to be licensed and limits the fees, interest, and other costs charged on loans. It also cautions against extending loan terms beyond 31 days, as this would make them more costly than legally allowed.

What Are the Rules for Payday Loans in Cerritos, California?

Payday lenders in Cerritos, California, must adhere to the regulations set forth by the California Deferred Deposit Transaction Law. These rules include:

  • The maximum loan amount is $300. This limit also applies to the combined amounts of all payday loans held by a single borrower at one time.
  • The maximum loan term is 31 days. Borrowers must repay their loans by the due date.
  • The maximum fee is 15% of the loan amount plus a $45 documentation fee. This fee can increase to a maximum of $175 for loans of $1000 or more.
  • All transactions must be conducted in person. Borrowers must go to the lender’s physical location to receive their funds.

What Is the Process for Obtaining a Payday Loan in Cerritos, California?

The process for obtaining a payday loan in Cerritos, California, is relatively simple. The first step is to find a licensed payday lender. Borrowers can search for lenders in the area using TheGuaranteedLoans’ lender directory. Once a borrower has chosen a lender, they must visit the lender’s physical location and complete the loan application. The borrower will need to provide personal information, such as identification and banking information, as well as information about their employment and income. The lender will then review the application and, if approved, issue the loan. The borrower will then need to sign the loan agreement and provide a postdated check or bank account information for the loan repayment.

What Are the Risks of Payday Loans?

Payday loans can provide access to quick cash, but it is important to be aware of the risks associated with these loans. Specifically, it is important to be aware that if a borrower is unable to repay the loan in full by the due date, they may be subject to additional fees and interest. This can make the loan more expensive and can lead to a cycle of debt. Additionally, some payday lenders have been known to pursue aggressive collection practices in an effort to recover loans. It is important to ensure that any lender used is reputable and that borrowers only borrow what they can afford to repay.

Apply Now

If you are in need of a payday loan in Cerritos, California, TheGuaranteedLoans can help. We are not a lender but can connect you with lenders in your area so you can apply for a loan. Just fill out our online application and we will do the rest. It’s as easy as that!

Frequently Asked Questions

What happens if I can’t repay my payday loan?

If you are unable to repay your payday loan in full by the due date, you may be subject to additional fees and interest. This can make the loan more expensive and can lead to a cycle of debt. It is important to contact your lender as soon as possible to discuss your options and make payment arrangements.

Do I need good credit to be approved for a payday loan?

No, you do not need good credit to be approved for a payday loan. Payday lenders typically look at income and employment history instead of credit score. However, poor credit can have an effect on the fees and interest charged on the loan.

Are payday loans in Cerritos, California, expensive?

Yes, payday loans can be expensive. Depending on the amount borrowed, fees and interest can add up quickly. It is important to only borrow what you can afford to repay in a timely manner and to compare lenders before selecting one.

More F.A.Q.

Are there any resources available online for borrowers who want to learn more about payday loans in Cerritos, California?

Yes, there are several resources available online for borrowers who want to learn more about payday loans in Cerritos, California. These include the state's Department of Business Oversight website, which provides information on payday lending laws and regulations, as well as tips for avoiding predatory lenders.

Are there any restrictions on the interest rates that payday lenders can charge in Cerritos, California?

Yes, payday lenders in Cerritos, California are subject to a maximum interest rate of 15% per year on loans of $300 or less. This interest rate includes any fees or charges associated with the loan.

How Many Cash Advance Companies are in Cerritos, CA?

With the help of our service, you will be able to find 8 cash advance companies in Cerritos, CA

What Cash Advance Companies in Cerritos, CA are the most popular?

You should check Amrock, Bank of America Financial Center, and Chase Bank. Also, you can start your application online on our website.

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