Payday Loans in Elk Creek, California

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

Company nameAddressZip codePhone number
American AgCredit 924 E Blanco Rd, Salinas, CA 93901 +1 (831) 424 - 1756
California Budget Finance 3936 Phelan Rd #D3, Phelan, CA 92371 +1 (760) 868 - 0902
Speedy Cash 5445 South St, Lakewood, CA 90713 +1 (562) 920 - 1457
Western Payday 3585 Industrial Dr, Santa Rosa, CA 95403 +1 (707) 800 - 9378
Payday Advance Fullerton, CA 92831
Pacific Premier Bank Administrative Office 3380 S Higuera St, San Luis Obispo, CA 93401 +1 (805) 369 - 5200
Financial Advisors U.S. Bancorp Investments 1230 E Grand Ave, Arroyo Grande, CA 93420 +1 (805) 473 - 5182
Coast Central Credit Union Giuntoli 1551 Giuntoli Ln, Arcata, CA 95521 +1 (707) 445 - 8801
Oportun 151 S Hacienda Blvd, City of Industry, CA 91745 +1 (626) 765 - 3292
SchoolsFirst Federal Credit Union - San Juan Capistrano 33122 Valle Rd, B Bldg. C, San Juan Capistrano, CA 92675 +1 (800) 462 - 8328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Elk Creek, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Union City, CA, Same Day Loans in Upland, CA, Payday Loan Without a Credit Check in Vacaville, CA, 24-Hour Loan in Vallejo, CA, Payday Loan Companies in Ventura, CA, Short-term Loans in Victorville, CA, 24-Hour Loan in Visalia, CA and Payday Loans in Vista, 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 Elk Creek, CA.

Beautiful sights of Elk Creek, CA

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

95939

Are Payday Loans Legal In Elk Creek, 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

Elk Creek, CA payday loan calculator

Payday Loans in Elk Creek, California

If you’re struggling with unexpected expenses and need cash fast, a payday loan may be an option to consider. But before you apply, it’s important to understand the laws and regulations in California, as well as the potential risks and benefits of payday loans. In this article, we’ll explore everything you need to know about payday loans in Elk Creek, California.

What are Payday Loans?

Payday loans are short-term loans that are usually repaid within two to four weeks, or until your next paycheck. They are designed to be a quick and easy way to get cash when you need it, but they come with high interest rates and fees. In California, the maximum loan amount for a payday loan is $300, and the maximum fee is 15% of the loan amount.

Are Payday Loans Legal in California?

Yes, payday loans are legal in California. However, the state has strict regulations in place to protect consumers from predatory lenders. For example, lenders cannot charge more than 15% of the loan amount as a fee, and the maximum loan term is 31 days. Additionally, lenders are required to be licensed by the Department of Business Oversight and must provide certain disclosures to borrowers.

How to Apply for a Payday Loan in Elk Creek, California

If you decide to apply for a payday loan in Elk Creek, California, there are several options available. You can apply online, in-person at a local lender, or over the phone. When you apply, you’ll typically need to provide proof of income, a valid ID, and your bank account information.

Benefits of Payday Loans

One of the main benefits of payday loans is that they can provide cash quickly when you need it most. They also don’t require a credit check, which means you may be able to qualify even if you have bad credit. Additionally, payday loans can be a helpful tool for managing unexpected expenses, such as car repairs or medical bills.

Risks of Payday Loans

However, payday loans also come with significant risks. The high interest rates and fees can make it difficult to repay the loan on time, which can lead to a cycle of debt. Additionally, some lenders may engage in predatory practices, such as charging excessive fees or using aggressive collection tactics.

Interesting Facts and Statistics about Payday Loans in Elk Creek, California

– According to a report from the California Department of Business Oversight, the average payday loan in California is $250, and the average fee is $44.
– In 2019, California borrowers took out more than 10 million payday loans, with a total loan volume of $4.2 billion.
– The majority of payday loan borrowers in California are low-income individuals with limited access to other forms of credit.

Apply Now

If you’re considering a payday loan in Elk Creek, California, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we don’t provide loans ourselves, but we work with a network of trusted lenders who can help meet your needs. Simply fill out our online application to get started. Remember, payday loans should only be used as a last resort, and you should always borrow responsibly.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a first-time borrower in Elk Creek, California?

in Elk Creek, California, payday lenders are prohibited from charging higher interest rates or fees to first-time borrowers. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of their borrowing history.

Can I be charged a higher interest rate or fees if I am a repeat borrower in Elk Creek, California?

in Elk Creek, California, payday lenders are prohibited from charging higher interest rates or fees to repeat borrowers. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of how many times they have borrowed in the past.

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