Payday Loans in El Centro, California

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Payday Loan Companies in El Centro, CA

Company nameAddressZip codePhone number
ACE Cash Express 1602 N Imperial Ave Ste B 92243 +1 (760) 337 - 2985
ACE Cash Express 1602 N Imperial Ave B 92243 +1 (760) 337 - 2985
Advance America 1523 Main St Ste. #107 92243 +1 (760) 370 - 0878
Arizona Smart Cash Inc 493 S 4th St 92243 +1 (760) 352 - 2555
Check Cash 252 S Imperial Ave 92243 +1 (760) 353 - 6130
Checkmate 200 N Imperial Ave 92243 +1 (760) 336 - 3110
Fast Auto and Payday Loans 1790 N Imperial Ave 92243 +1 (760) 353 - 1962
First Imperial Credit Union 1602 Main St 92243 +1 (760) 352 - 1540
IMPERIAL VALLEY AUTO LOANS INC-CAR TITLE LOANS 710 Main St Suite B 92243 +1 (760) 352 - 5111
Imperial Valley Loan Center 710 Main St 92243 +1 (760) 352 - 5111
Inspire Home Loans - El Centro, CA 2299 W Adams Ave 113 92243 +1 (760) 960 - 1741
loanDepot 1523 Main St 109 92243 +1 (760) 707 - 0400
Oportun 2052 N Imperial Ave 92243 +1 (442) 295 - 4280
Sun Community Federal Credit Union 1068 Broadway 92243 +1 (760) 337 - 4200
Union Bank 576 Main St 92243 +1 (760) 352 - 4441
Wells Fargo Bank 1200 Main St 92243 +1 (760) 353 - 2080

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in El Centro, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in El Dorado Hills, CA, Short-term Loans in El Monte, CA, Payday Loans in Elk Grove, CA, Payday Loans in Encinitas, CA, Bad Credit Loans in Escondido, CA, Payday Loans in Fair Oaks, CA, Payday Loans in Fairfield, CA and Payday Loans in Fallbrook, 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 El Centro, CA.

Beautiful sights of El Centro, CA

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

92243, 92244

Are Payday Loans Legal In El Centro, 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

El Centro, CA payday loan calculator

What Are Payday Loans in El Centro, California?

Payday loans are a type of short-term loan designed to help individuals address their immediate financial needs until their next payday arrives. Typically, these loans have an repayment time of two weeks or until their next paycheck is received. Payday loans are legal in California, but there are laws in place to protect borrowers from predatory lenders.

How Does Payday Loans Work In El Centro?

Payday loans in El Centro, California work in the same way as other payday loans. The borrower agrees to a loan amount, repayment schedule and interest rate with the lender. The borrower then provides the lender with a post-dated check for the loan amount plus interest, or the lender may take the funds directly from the borrower’s bank account on the agreed date.

What Are the Benefits of Taking Out a Payday Loan in El Centro?

Payday loans in El Centro, California can provide a number of advantages over traditional loans. Some of the benefits include:

  • Quick access to funds: Payday loans can usually be approved within 24 hours and funds deposited into the borrower’s bank account within a couple of days.
  • No credit check: Payday loans are designed for individuals with bad or limited credit history, so there is no need for a credit check.
  • Convenient repayment: Repayment of payday loans can be set up to correspond with the borrower’s next payday.

What Are the Risks of Payday Loans In El Centro?

While payday loans in El Centro, California can provide a much-needed financial boost when times are tough, they are also associated with some risks. Some of the risks include:

  • High interest rates: Payday loans usually have higher interest rates than traditional loans, making them an expensive form of borrowing.
  • Fees: Payday lenders may charge additional fees and charges, so it is important to read the loan agreement carefully before signing.
  • Debt traps: Payday loans can be difficult to repay if the borrower doesn’t have enough money to cover the full loan amount, potentially leading to a cycle of debt.

How Can You Get a Payday Loan In El Centro?

If you need a payday loan in El Centro, California then there are a few steps you will need to take:

  1. Check eligibility: Make sure you meet the lender’s eligibility criteria. This includes having a regular source of income, such as employment or social security benefits, and having an active bank account.
  2. Compare lenders: Compare lenders to find the best deal. Consider the interest rate, fees, repayment terms, and any other relevant criteria.
  3. Fill out an application: Fill out the online application form and provide the required supporting documents. This usually includes a valid ID and proof of income.
  4. Sign the agreement: Once approved, sign the loan agreement to finalize the loan.
  5. Get the funds: Once the loan has been finalized, the funds will be deposited into your bank account.

Frequently Asked Questions About Payday Loans In El Centro

Can I get a payday loan in El Centro if I have bad credit?

Yes, you may be eligible for a payday loan in El Centro even if you have bad credit. Most payday lenders don’t perform credit checks, making it easier to get the funds you need.

Are payday loans legal in California?

Yes, payday loans are legal in California. The state has implemented laws and regulations to protect borrowers from predatory lenders.

Are there any alternatives to payday loans in El Centro?

Yes, there are a number of alternatives to payday loans in El Centro. Some of these include taking out a traditional loan from a bank, getting a credit card or using a overdraft facility on your current account. It’s important to weigh up the pros and cons of each option before making a decision.

Apply Now To Get a Payday Loan In El Centro

If you need a payday loan in El Centro, California then you can apply for it now at TheGuaranteedLoans. We are not a lender, but we will connect you with lenders who can provide you with the funds you need. So don’t wait – fill out the online form now and get the funds you need in no time!

More F.A.Q.

Are there any restrictions on how I can use the money from a payday loan in El Centro, California?

Yes, there are some restrictions on how you can use the money from a payday loan in El Centro, California. The funds from a payday loan must only be used for immediate, emergency expenses, such as medical bills or car repairs. You cannot use the money from a payday loan to pay for luxury items or non-essential expenses.

What happens if I can't repay my payday loan in El Centro, California?

If you are unable to repay your payday loan in El Centro, California, the lender may contact you to request payment. If you are still unable to make payment, the lender may be able to file a civil lawsuit against you to recover the outstanding debt. However, it is important to note that California state law prohibits lenders from using criminal charges to collect on a payday loan.

How Many Cash Advance Companies are in El Centro, CA?

With the help of our service, you will be able to find 16 cash advance companies in El Centro, CA

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

You should check ACE Cash Express, Advance America, and Arizona Smart Cash Inc. Also, you can start your application online on our website.

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