Payday Loans in Joshua Tree, California

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

Company nameAddressZip codePhone number
Umpqua Bank 203 Main St, Woodland, CA 95695 +1 (530) 406 - 2520
Oro Jewelry & Loan 1827 Oro Dam Blvd E, Oroville, CA 95966 +1 (530) 533 - 3336
California Check Cashing Stores 353 W Charter Way a, Stockton, CA 95206 +1 (209) 943 - 2274
Check Into Cash 8810 Base Line Rd Baseline Road, Rancho Cucamonga, CA 91701 +1 (909) 481 - 6886
Travis Credit Union 2010 Peabody Rd, Vacaville, CA 95687 +1 (707) 449 - 4000
Check 'n Go 11248 Old Mill Lane Suite 20, Jackson, CA 95642 +1 (209) 257 - 0636
Banner Bank 333 F St Suite A, Davis, CA 95616 +1 (530) 758 - 6250
Advance America 1955-B8, 41st Ave, Capitola, CA 95010 +1 (831) 476 - 0757
Pacific Premier Bank 2255 Main St, Cambria, CA 93428 +1 (805) 995 - 4056
Bay Federal Credit Union 255 Mt Hermon Rd # C, Scotts Valley, CA 95066 +1 (831) 479 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Joshua Tree, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Salinas, CA, Payday Loan Companies in San Bernardino, CA, Payday Loans in San Bruno, CA, Short-term Loans in San Clemente, CA, Quick Loan in San Diego, CA, Same Day Loans in San Dimas, CA, Same Day Loans in San Francisco, CA and Payday Loans in San Gabriel, 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 Joshua Tree, CA.

Beautiful sights of Joshua Tree, CA

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

92252

Are Payday Loans Legal In Joshua Tree, 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

Joshua Tree, CA payday loan calculator

What You Need to Know About Payday Loans in Joshua Tree, California

If you’re facing unexpected expenses and need a quick financial solution, you may be considering a payday loan. Payday loans are short-term, high-interest loans that can help you bridge the gap between paychecks. However, it’s important to understand the terms and benefits of payday loans before you apply.

Payday Loan Regulations in California

First and foremost, it’s important to note that payday loans are legal in California. However, there are regulations in place to protect borrowers from predatory lending practices. These regulations include:

  • A maximum loan amount of $300
  • A maximum term of 31 days
  • A maximum APR of 460%
  • No rollovers or extensions allowed

How Payday Loans Work

To obtain a payday loan, you’ll need to provide proof of income and a valid form of identification. The lender will then provide you with the loan amount, which you’ll need to repay with interest and fees when you receive your next paycheck.

It’s important to carefully read and understand the terms of the loan agreement before signing. Payday loans often come with high interest rates and fees, which can result in a cycle of debt if you’re unable to repay the loan on time.

The Pros and Cons of Payday Loans

Before applying for a payday loan, it’s important to weigh the pros and cons. One of the main benefits of payday loans is their accessibility and speed. You can often obtain the loan within 24 hours, and the requirements for approval are typically less stringent than traditional loans.

However, the high interest rates and fees can make payday loans a costly option, especially if you’re unable to repay the loan on time. Additionally, payday loans can lead to a cycle of debt if you need to continually borrow to make ends meet.

Interesting Fact: According to a report from the California Department of Business Oversight, over 80% of payday loans in California are taken out by borrowers who take out seven or more loans per year.

Apply Now

If you’re considering a payday loan in Joshua Tree, California, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and can help simplify the application process.

To get started, fill out our online application. We’ll review your information and connect you with potential lenders who may be able to provide the loan you need.

The Bottom Line

Payday loans can be a valuable resource for those in need of quick cash, but it’s important to use them responsibly and understand the terms and risks. By doing your research, carefully reading loan agreements, and exploring alternative options, you can make an informed decision about whether a payday loan is right for you.

F.A.Q.

How much can I borrow with a payday loan in Joshua Tree, California?

in Joshua Tree, California, the maximum amount that can be borrowed with a payday loan is $300.

How much does a payday loan cost in Joshua Tree, California?

The cost of a payday loan in Joshua Tree, California varies depending on the lender and the amount borrowed. However, payday loans in Joshua Tree, California are subject to a maximum interest rate of 15% and a maximum finance charge of $45 per $100 borrowed.

Look for Short-Term Loans in Other Cities:

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