Payday Loans in Empire, California

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

Company nameAddressZip codePhone number
Check Into Cash 16855 Valley Blvd Ste G, Fontana, CA 92335 +1 (909) 355 - 9649
Title Loans Express 18200 Yorba Linda Blvd #205, Yorba Linda, CA 92886 +1 (714) 709 - 8770
Pacific Meridian Mortgage 1101 Fulton Ave, Sacramento, CA 95825 +1 (916) 485 - 8797
KeyPoint Credit Union 7062 Market Pl Dr, Goleta, CA 93117 +1 (888) 255 - 3637
Cash Advance Exchange 3416 Via Oporto, Newport Beach, CA 92663 +1 (877) 865 - 7744
Bank of the West 758 Tucker Rd, Tehachapi, CA 93561 +1 (661) 822 - 4491
Speedy Cash 904 S Gaffey St, San Pedro, CA 90731 +1 (310) 547 - 2050
Network Mortgage & Realty Co 305 E 2nd Ave, Escondido, CA 92025 +1 (760) 480 - 1142
Fast Money Car Title Loans 395 N Washington St, Sonora, CA 95370 +1 (209) 264 - 3053
Megastar Financial Redding 920 Hilltop Dr suite b, Redding, CA 96003 +1 (530) 999 - 9000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Empire, CA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Brea, CA, 24-Hour Loan in Brentwood, CA, Payday Loans in Buena Park, CA, Payday Loans in Burbank, CA, Payday Loans in Burlingame, CA, Payday Loans in Calexico, CA, Payday Loan Without a Credit Check in Camarillo, CA and Payday Loans in Campbell, 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 Empire, CA.

Beautiful sights of Empire, CA

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

95319

Are Payday Loans Legal In Empire, 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

Empire, CA payday loan calculator

Understanding Payday Loans in Empire, California

Life has a way of throwing surprises, leaving many of us in search of immediate financial assistance. Payday loans offer a quick remedy to financial emergencies and allow people to access cash when they need it the most. However, payday loans are a controversial topic, and there are varying opinions regarding its appropriateness, cost, and practicality.

If you are an Empire, California resident in search of a payday loan, it’s essential to understand the regulations surrounding payday loans in California before making a decision.

What are Payday Loans?

Payday loans, also referred to as cash advances, are short-term loans that allow borrowers to access quick cash to cover emergencies. The loans are typically due on the borrower’s next payday.

In California, payday loan lenders can only offer loans that do not exceed $300.00, and the maximum loan term is 31 days. However, borrowers in California can take out one payday loan at any given time, and the interest rates and fees are capped, making them less expensive than payday loans in other states. Payday loan lenders in California are regulated by the California Department of Business Oversight (DBO).

The Pros of Payday Loans

  • Quick Access to Cash: Payday loans offer quick access to cash when you need it the most. The application process is quick and straightforward, and the funds are typically deposited in your account within 24 hours of application.
  • Accessible to People with Bad Credit: Unlike traditional loans, payday loan lenders do not check your credit score, making it accessible to people with bad credit.
  • Regulated: Payday loan lenders in California are regulated by the DBO, ensuring that lenders follow strict rules and regulations that protect borrowers.

The Cons of Payday Loans

  • Very High-Interest Rates: Payday loans have higher interest rates compared to traditional loans, making them more expensive to repay. This may trap borrowers in a cycle of debt, making it challenging to repay the loan.
  • Short Repayment Period: Payday loans have a short repayment period of up to 31 days, making it challenging to repay the loan on time.
  • Excessive Fees: Payday loans in California have high fees that can add up significantly, making them more expensive to repay.

Interesting Facts and Statistics

  • According to a report by the Center for Responsible Lending, California payday loan borrowers typically take out an average of seven payday loans per year.
  • The average payday loan in California is for $250.
  • Between 2006 and 2013, Californians paid an estimated $1.03 billion in payday loan fees, with the majority of borrowers having multiple transactions each year.
  • The most frequent payday loan borrowers are individuals with low-income levels, people without a college degree, African Americans, and people who rent their homes.

Apply Now

If you are an Empire, California resident in search of a payday loan, TheGuaranteedLoans can help connect you with potential lenders.

It’s important to note that TheGuaranteedLoans is not a direct lender but a connector service that links borrowers with potential lenders. This means that TheGuaranteedLoans does not make lending decisions or set loan terms and conditions. The lenders we work with are regulated by the DBO, ensuring that they follow strict rules and regulations that protect borrowers.

If you decide to take out a payday loan, ensure that you understand the repayment terms and fees associated with the loan. While payday loans can offer quick cash during emergencies, they can also lead to debt cycles if not repaid on time.

In Conclusion

Payday loans can provide quick cash for emergencies, making them an attractive option for some borrowers. However, they also have higher interest rates, short repayment periods, and excessive fees, making them more expensive to repay. If you need a payday loan in California, ensure that you understand the regulations and take the time to research lenders and their repayment terms.

F.A.Q.

How long does it take to get a payday loan in Empire, California?

In most cases, payday loans in Empire, California can be approved and disbursed within a few hours.

Are there any alternatives to payday loans in Empire, California?

Yes, there are several alternatives to payday loans in Empire, California, such as credit unions, small personal loans, or financial assistance programs.

Look for Short-Term Loans in Other Cities:

Adelanto Alameda Alhambra Aliso Viejo Altadena Anaheim Antelope Antioch Apple Valley Arcadia Azusa Bakersfield Baldwin Park Banning Beaumont Bell Bell Gardens Bellflower Beverly Hills Brea Brentwood Buena Park Burbank Burlingame Calexico Camarillo Campbell Carlsbad Carmichael Carson Castro Valley Cathedral City Ceres Cerritos Chico Chino Chino Hills Chula Vista Citrus Heights Claremont Clovis Coachella Colton Compton Concord Corona Costa Mesa Covina Culver City Cupertino Cypress Daly City Dana Point Danville Davis Delano Diamond Bar Downey Dublin El Cajon El Centro El Dorado Hills El Monte Elk Grove Encinitas Escondido Fair Oaks Fairfield Fallbrook Folsom Fontana Fountain Valley Fremont Fresno Fullerton Garden Grove Gardena Gilroy Glendale Glendora Goleta Hacienda Heights Hanford Hawthorne Hayward Hemet Hesperia Highland Hollister Huntington Beach Huntington Park Indio Inglewood Irvine La Habra La Mesa La Mirada La Puente La Quinta La Verne Laguna Hills Laguna Niguel Lake Elsinore Lake Forest Lakewood Lancaster Lawndale Lincoln Livermore Lodi Lompoc Long Beach Los Altos Los Angeles Los Banos Los Gatos Lynwood Madera Manhattan Beach Manteca Martinez Menifee Menlo Park Merced Milpitas Mission Viejo Modesto Monrovia Montclair Montebello Monterey Park Moorpark Moreno Valley Morgan Hill Mountain View Murrieta Napa National City Newark Newport Beach North Highlands Norwalk Novato Oakland Oakley Oceanside Ontario Orange Orangevale Oxnard Pacifica Palm Desert Palm Springs Palmdale Palo Alto Paramount Pasadena Paso Robles Perris Petaluma Pico Rivera Pittsburg Placentia Pleasant Hill Pleasanton Pomona Porterville Poway Rancho Cordova Rancho Cucamonga Rancho Palos Verdes Rancho Santa Margarita Redding Redlands Redondo Beach Redwood City Rialto Richmond Riverside Rocklin Rohnert Park Rosemead Roseville Rowland Heights Sacramento Salinas San Bernardino San Bruno San Clemente San Diego San Dimas San Francisco San Gabriel San Jacinto San Jose San Juan Capistrano San Leandro San Luis Obispo San Marcos San Mateo San Pablo San Rafael San Ramon Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Maria Santa Monica Santa Paula Santa Rosa Santee Saratoga Seaside Simi Valley South Gate South San Francisco Stanton Stockton Sunnyvale Temecula Temple City Thousand Oaks Torrance Tracy Tulare Turlock Tustin Union City Upland Vacaville Vallejo Ventura Victorville Visalia Vista Walnut Walnut Creek Watsonville West Covina West Hollywood West Sacramento Westminster Whittier Wildomar Woodland Yorba Linda Yuba City Yucaipa