Payday Loans in East Irvine, California

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

Company nameAddressZip codePhone number
Frontwave Credit Union - Temecula Parkway 31709 Temecula Pkwy, Temecula, CA 92592 +1 (800) 736 - 4500
E Z Loans 14795 Jeffrey Rd 210, Irvine, CA 92618 +1 (949) 653 - 2951
E Money Express Inc 12173 E Carson St, Hawaiian Gardens, CA 90716 +1 (562) 467 - 7488
Check `n Go 14557 East Telegraph Road, La Mirada, CA 90638 +1 (562) 946 - 0077
Financial Art 770 S Arroyo Pkwy, Pasadena, CA 91105 +1 (626) 405 - 4844
Cathay Bank 809 S Atlantic Blvd 101, Monterey Park, CA 91754 +1 (626) 293 - 5100
Union Bank 1400 Munras Ave, Monterey, CA 93940 +1 (831) 373 - 3755
Pcoc Dba Orange Check Cashing 821 N Tustin St, Orange, CA 92867 +1 (714) 633 - 6541
The Money Stop 11600 Bartlett Ave, Adelanto, CA 92301 +1 (760) 246 - 7342
Westamerica Bank 5121 CA-140, Mariposa, CA 95338 +1 (209) 966 - 7561

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in East Irvine, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manhattan Beach, CA, Bad Credit Loans in Manteca, CA, Payday Loans in Martinez, CA, Payday Loans in Menifee, CA, Payday Loan Companies in Menlo Park, CA, Payday Loans in Merced, CA, Payday Loans in Milpitas, CA and Payday Loans in Mission Viejo, 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 East Irvine, CA.

Are Payday Loans Legal In East Irvine, 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

East Irvine, CA payday loan calculator

East Irvine is one of the premier locations for payday loans in California. These short-term, high-interest loans are an attractive choice for many people in need of quick cash. However, they can also be costly if not managed properly. Let’s explore what they are, how they work, and what to consider before applying for one.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are designed to help you cover unexpected expenses, such as car repairs or medical bills. They are usually small amounts, and lenders charge high interest rates and fees for the convenience and speed of the loan process. In California, payday loan amounts can range from $100 to $255.

How Do Payday Loans Work?

The process of obtaining a payday loan in East Irvine is relatively simple. You will need to provide proof of income, such as a pay stub, and a valid ID. You will also need to provide a post-dated check or authorize an electronic withdrawal for the amount of the loan plus fees. If you are approved, you will receive the cash you need, and on your next payday, you will either need to pay back the loan in full or renew it with additional fees and interest.

What to Consider Before Applying for a Payday Loan?

While a payday loan can be a valuable resource for getting short-term cash flow, there are some disadvantages you should consider before applying. Firstly, payday loans have high-interest rates and fees, making them a very expensive option. Secondly, they can be a short-term fix rather than a long-term solution, leading to a cycle of debt. Lastly, they can affect your credit score if you are unable to repay the loan on time.

Interesting Facts and Statistics about Payday Loans in East Irvine, California

  • In 2019, Californian residents took out 10.2 million payday loans worth $3.3 billion.
  • The average payday loan amount in California is $250.
  • The maximum loan term in California is 31 days.
  • The average APR on a payday loan in California is 372%.
  • Over 80% of payday loans in California are taken out by borrowers who renew them multiple times.

Apply Now for a Payday Loan in East Irvine, California

If you find yourself in need of a payday loan, TheGuaranteedLoans can connect you with potential lenders in East Irvine, California. To apply for a payday loan on our website, simply fill out our online application form, and we will match you with a lender, who will communicate all loan terms and conditions directly with you. Keep in mind that we are not a direct lender, but a connector service and that payday loans should only be used for short-term financial needs.

The Bottom Line

A payday loan can provide you with the cash you need quickly, but it can also have high costs and long-term consequences. Always make sure you understand the terms and conditions and have a plan to repay the loan on time. If you are considering a payday loan, make sure you are informed and aware of how it can impact your finances. Remember, a payday loan should only be used as a short-term solution, and other financial options should be explored if possible.

F.A.Q.

Can a payday lender require me to take out a loan that is larger than I need in order to qualify for a loan in East Irvine, California?

No, a payday lender cannot require you to take out a loan that is larger than you need in order to qualify for a loan in East Irvine, California. Lenders are required to provide loans that are appropriate for the borrower's financial needs and ability to repay.

Can a payday lender charge me a higher interest rate if I have bad credit in East Irvine, California?

Yes, a payday lender can charge you a higher interest rate if you have bad credit in East Irvine, California. This is because borrowers with bad credit are considered to be higher risk, and lenders may charge higher interest rates in order to compensate for this risk.

Look for Short-Term Loans in Other Cities:

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