Payday Loans in Laguna Niguel, California

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Payday Loan Companies in Laguna Niguel, CA

Company nameAddressZip codePhone number
Bank of America Financial Center 30162 Crown Valley Pkwy 92677 +1 (949) 951 - 4100
Cornerstone Home Lending, Inc. 28202 Cabot Road, Suite 300, Office 330 and 347 92677 +1 (949) 939 - 2907
Fairway Independent Mortgage Corporation 28202 Cabot Rd Suite 253, Suite 253 92677 +1 (949) 441 - 4227
Inheritance Now, Inc 30392 La Vue 92677 +1 (800) 775 - 8044
Nicole Wisehart Fairway Independent Mortgage Corporation Co-Branch Manager 28202 Cabot Rd Suite 253 92677 +1 (949) 244 - 5787
Orange Coast Home Loans Crown West Building, 30100 Crown Valley Pkwy #7 92677 +1 (949) 218 - 1822
SDCCU Laguna Niguel Branch 32341 Street of the Golden Lantern 92677 +1 (877) 732 - 2848
Sheer Funding 28202 Cabot Rd 300 92677 +1 (800) 397 - 0677
TNL Car Title Loans 28202 Cabot Rd Ste 295 92677 +1 (949) 427 - 2987

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laguna Niguel, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Lake Elsinore, CA, Emergency Loan in Lake Forest, CA, Payday Loans in Lakewood, CA, Payday Loans in Lancaster, CA, Payday Loans in Lawndale, CA, Payday Loans in Lincoln, CA, Payday Loan Companies in Livermore, CA and Payday Loans in Lodi, 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 Laguna Niguel, CA.

Beautiful sights of Laguna Niguel, CA

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

92607, 92677

Are Payday Loans Legal In Laguna Niguel, 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

Laguna Niguel, CA payday loan calculator

What are Payday Loans?

Payday loans are a form of short-term lending that offer borrowers a small amount of money in exchange for a fee. They act as a quick and easy way to get cash when an unexpected expense arises. The typical loan amount is usually between $100 and $1,000, although some lenders do offer larger amounts.

Are Payday Loans Legal in Laguna Niguel, California?

Yes, payday loans are legal in Laguna Niguel, California. According to the California Financial Code, payday lenders must obtain a license from the California Department of Business Oversight to offer their services in the state. In order to operate, payday lenders must follow all applicable state and federal regulations.

What are the Terms and Conditions for Payday Loans in Laguna Niguel, California?

Payday loans in Laguna Niguel, California come with a variety of terms and conditions. Generally, the loan will need to be paid back within two to four weeks, depending on the loan amount and lender. The interest rate for the loan will vary, but most lenders charge higher rates of interest than traditional lenders. Additionally, borrowers may be required to provide a postdated check to the lender in order to secure the loan. Late fees may apply if the loan is not paid back on time.

How Do I Apply for a Payday Loan in Laguna Niguel, California?

Applying for a payday loan in Laguna Niguel, California is easy. Most lenders offer online applications, which can be completed in minutes. The application will require basic information such as contact details, banking information, and income information. Some lenders may also require proof of identity, such as a driver’s license or passport. Once the application is submitted, the lender will review the application and if approved, the funds will be deposited directly into the borrower’s bank account.

Are there any Alternatives to Payday Loans?

Yes, there are alternatives to payday loans. If you need to borrow money quickly, you may want to consider a cash advance from your credit card, taking out a personal loan from a bank, or getting a loan from a credit union. Each option has different terms and interest rates, so it’s important to compare them before choosing which one is best for you. Additionally, you may be able to access government assistance or negotiate with creditors to lower payments and avoid taking out a payday loan altogether.

What Should I be Aware of before Taking out a Payday Loan in Laguna Niguel, California?

Before taking out a payday loan, it’s important to understand the terms and conditions and ensure that you can afford the monthly payments. Additionally, it’s important to understand the dangers of taking out a payday loan. Payday loans can be expensive, and if they are not paid back on time, they can quickly snowball into unmanageable debt. If you are struggling to make payments, it’s important to contact the lender and discuss repayment options.

F.A.Q.

How much money can I borrow with a payday loan?

The typical loan amount for a payday loan is usually between $100 and $1,000, but some lenders do offer larger amounts.

How long do I have to repay the loan?

Payday loans typically need to be repaid within two to four weeks, depending on the loan amount and lender.

Are payday loans expensive?

Yes, payday loans can be expensive, with high interest rates and fees. It’s important to understand the terms and conditions before taking out a loan and make sure that you can afford the monthly payments.

What should I do if I am having trouble making payments?

If you are having trouble making payments, it’s important to contact the lender and discuss repayment options.

More F.A.Q.

Can payday lenders in Laguna Niguel, California require me to agree to electronic fund transfer as the only method of repayment?

No, payday lenders in Laguna Niguel, California are not allowed to require you to agree to electronic fund transfer as the only method of repayment. You have the right to choose how you would like to repay the loan, including by check or money order.

Can payday lenders in Laguna Niguel, California require me to provide proof of income or employment before issuing the loan?

Yes, payday lenders in Laguna Niguel, California may require you to provide proof of income or employment before issuing the loan. This is to ensure that you have the ability to repay the loan.

How Many Cash Advance Companies are in Laguna Niguel, CA?

With the help of our service, you will be able to find 9 cash advance companies in Laguna Niguel, CA

What Cash Advance Companies in Laguna Niguel, CA are the most popular?

You should check Bank of America Financial Center, Cornerstone Home Lending, Inc., and Fairway Independent Mortgage Corporation. Also, you can start your application online on our website.

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