Payday Loans in Johannesburg, California

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

Company nameAddressZip codePhone number
Capital City Loan & Jewelry 3045 W Capitol Ave, West Sacramento, CA 95691 +1 (916) 281 - 2274
TNL Car Title Loans 3606 E Highland Ave Ste 170, Highland, CA 92346 +1 (909) 315 - 5156
K. McKee & Company 205 S Main St, Fort Bragg, CA 95437 +1 (707) 961 - 1562
ACE Cash Express 2300 Cutting Blvd, Richmond, CA 94804 +1 (510) 236 - 3036
The Todey/Villasenor Team - Caliber Home Loans 801 Garden St 200, Santa Barbara, CA 93101 +1 (805) 377 - 0890
Checkmate 3998 Cochran St 3, Simi Valley, CA 93062 +1 (805) 581 - 3799
Fast Auto Loans, Inc. 72990 CA-111, Palm Desert, CA 92260 +1 (760) 766 - 2407
Farm Credit West 175 Cow Meadow Pl, Paso Robles, CA 93446 +1 (805) 434 - 3665
Chase Bank 264 Reservation Rd, Marina, CA 93933 +1 (831) 384 - 8400
California Check Cashing Stores 45 S Sanborn Rd, Salinas, CA 93905 +1 (831) 753 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Johannesburg, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Richmond, CA, 24-Hour Loan in Riverside, CA, Payday Loans in Rocklin, CA, Payday Loans in Rohnert Park, CA, Payday Loan Companies in Rosemead, CA, Payday Loan Companies in Roseville, CA, Payday Loan for Rowland Heights, CA and Payday Loans in Sacramento, 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 Johannesburg, CA.

Beautiful sights of Johannesburg, CA

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

93528

Are Payday Loans Legal In Johannesburg, 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

Johannesburg, CA payday loan calculator

If you’re in Johannesburg, California and struggling to make ends meet, you might be considering payday loans to help cover your expenses. Payday loans are a type of short-term loan that many people turn to when they need cash fast. However, it’s important to understand how payday loans work, the benefits and risks of taking out a payday loan, and some of the best practices you can follow when applying.

What are Payday Loans?

Payday loans are typically small dollar loans that are due on your next payday. They are designed to help bridge the gap between paychecks for individuals who are experiencing a financial emergency or other cash flow issues. Most payday loan providers will require you to provide proof of income and a valid checking account. You will typically be required to repay the loan within two weeks, or on your next payday.

Legal Situation of Payday Loans in California

In California, payday loans are legal, but there are some regulations in place to protect consumers. For example, the maximum loan amount is $300, and the maximum loan term is 31 days. Additionally, the interest rates and fees that payday loan providers can charge are capped by the state.

The Benefits of Payday Loans

1. Quick access to cash: Payday loans are designed to provide fast access to cash when you need it most. If you’re facing a financial emergency or unexpected expense, a payday loan can help cover your costs until your next payday.

2. No credit check: Payday loan providers typically do not require a credit check to approve your application. This can be helpful if you have bad credit or a limited credit history.

3. Easy application process: Payday loans usually have a simple and straightforward application process. Most providers allow you to complete the application online or in-store.

The Risks of Payday Loans

1. High-interest rates: Payday loans typically come with high-interest rates and fees. In California, the interest rates can be as high as 15% of the loan amount, which can add up quickly.

2. Short repayment periods: Payday loans are short-term loans, and you usually only have a few weeks to repay the loan. This can lead to difficulty making payments, which can result in additional fees or interest charges.

3. Debt cycle: If you’re not able to repay your payday loan on time, you may find yourself caught in a cycle of debt. This can be especially problematic if you’re living paycheck to paycheck and struggling to make ends meet.

Best Practices for Taking Out a Payday Loan

1. Evaluate your financial situation: Before you take out a payday loan, it’s important to evaluate your financial situation and determine whether a loan is necessary. Consider other options, such as borrowing from friends or family members, or working out a payment plan with your creditors.

2. Only borrow what you need: If you’re approved for a payday loan, only borrow what you need to cover your expenses. Keep in mind that you’ll have to pay interest on the loan, so the more you borrow, the more you’ll have to repay.

3. Read the fine print: Before you sign on the dotted line, make sure you read the loan agreement carefully. Pay attention to the interest rates, fees, and repayment terms, and make sure you understand your responsibilities as a borrower.

Interesting Facts and Statistics About Payday Loans in Johannesburg, California

  • California has more payday loan storefronts than any other state in the U.S.
  • Payday lenders in California made more than $3.3 billion in loans in 2019 alone.
  • The average payday loan borrower in California takes out eight loans per year, with an average loan amount of $251.

Apply Now

If you’re considering a payday loan in Johannesburg, California, TheGuaranteedLoans can help. We provide a convenient online application process that connects you with potential lenders in minutes. Keep in mind that we are a connector service, not a direct lender, and we won’t be able to provide you with a loan ourselves. However, we can help facilitate the connection between you and potential lenders, so you can get the cash you need quickly and easily.

Remember to carefully evaluate your financial situation before taking out a payday loan, and only borrow what you need to cover your expenses. By following these best practices, you can help ensure that your payday loan doesn’t turn into a long-term financial burden.

F.A.Q.

What is a payday loan in Johannesburg, California?

A payday loan in Johannesburg, California is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

Are payday loans legal in Johannesburg, California?

Yes, payday loans are legal in Johannesburg, California, but there are strict regulations in place to protect borrowers from predatory lending practices.

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