Payday Loans in Manteca, California

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Payday Loan Companies in Manteca, CA

Company nameAddressZip codePhone number
Advance America 1453 W Yosemite Ave 95337 +1 (209) 825 - 9491
Bank of Stockton Manteca 660 N Main St 95336 +1 (209) 249 - 2200
California Check Cashing Stores 1330 W Yosemite Ave 95337 +1 (209) 823 - 2222
California Check Cashing Stores 358 N Main St 95336 +1 (209) 823 - 4000
Check `n Go 1142 S Main St 95337 +1 (209) 239 - 7800
Check Into Cash 1106 N Main St 95336 +1 (209) 239 - 5376
Family Car Title Loans 1344 E Yosemite Ave 95336 +1 (209) 418 - 0180
Fast Auto and Payday Loans 1351 W Yosemite Ave 95337 +1 (209) 624 - 4910
Fast Auto Loans, Inc. 1351 W Yosemite Ave 95337 +1 (209) 624 - 4910
Montana Capital Car Title Loans 941 E Yosemite Ave 95336 +1 (209) 546 - 6448
TNL Car Title Loans 1601-1703 W Yosemite Ave 95337 +1 (209) 292 - 2091

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Manteca, 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 Martinez, CA, Payday Loans in Menifee, CA, Payday Loans in Menlo Park, CA, Payday Loans in Merced, CA, Payday Loans in Milpitas, CA, Payday Loans in Mission Viejo, CA, Payday Loans in Modesto, CA and Short-term Loans in Monrovia, 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 Manteca, CA.

Beautiful sights of Manteca, CA

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

95337, 95336

Are Payday Loans Legal In Manteca, 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

Manteca, CA payday loan calculator

Understanding Payday Loans in Manteca, California

Payday loans are a form of short-term loan that can help you bridge the gap between paychecks when you’re struggling with financial emergencies. While they can provide much-needed relief in times of financial distress, it’s important to understand the details of payday loans in order to borrow safely and responsibly.

What Are Payday Loans?

Payday loans are usually small loans between $100 and $1,000, although some states have higher limits. These loans are typically due on your next payday, but the short term of the loan makes it easier for borrowers to get the funds they need quickly.

In California, the maximum loan amount a borrower can take out is $300, and the maximum finance fee a lender can charge is 15% of the loan amount. The loan term can be up to 31 days, and the annual percentage rate (APR) can’t exceed 460%.

Are Payday Loans Legal in Manteca, California?

Yes, payday loans are legal in Manteca, California. California state law regulates the payday loan industry, and lenders are subject to certain restrictions. Payday lenders can’t make loans for more than $300, charge more than 15% of the loan amount as a finance fee, and can’t require the borrower to provide access to their checking account.

What Are the Requirements for a Payday Loan in Manteca, California?

In order to qualify for a payday loan in Manteca, California, you must meet the following requirements:

  • Be 18 years of age or older. You must be at least 18 years of age to apply for and receive a payday loan in Manteca.
  • Provide proof of regular income. You must be able to provide proof of regular income, such as a pay stub or bank statement, to prove that you have an ongoing source of funds.
  • Have a valid checking account. You must have a valid checking account in order to receive the loan funds.

How Does a Payday Loan Work in Manteca, California?

Once you’ve met the requirements for a payday loan in Manteca, you can apply for a loan at a local lender. The process is usually quite simple and can be completed in minutes.

Once you’ve been approved for a loan, you’ll be required to provide the lender with a postdated check. This check will be for the amount of the loan, plus the finance charges associated with it.

On the due date specified in your agreement with the lender, the lender will deposit your check. If you don’t have enough funds in your account to cover the full amount of the check, you can be charged additional fees and the lender can take additional action to try to collect the outstanding funds.

Alternatives to Payday Loans in Manteca, California

There are several alternatives to payday loans in Manteca, California. If you’re struggling financially and need short-term assistance, consider the following options:

  • Borrow from a friend or family member. If you have a trusted friend or family member who is willing to lend you the money you need, this is a relatively low-cost option.
  • Apply for a small personal loan. Many banks and credit unions offer small personal loans for emergency situations. These loans usually have lower interest rates than payday loans and can provide you with more money and a longer repayment period.
  • Use a credit card. If you have a credit card with a low APR, it might be a good option for covering immediate costs. However, it’s important to be aware of the potential for accumulating more debt if you’re not able to pay off the balance.

FAQ

Are payday loans legal in Manteca, California?

Yes, payday loans are legal in Manteca, California. California state law regulates the payday loan industry and imposes certain restrictions.

Can I get a payday loan in Manteca, California if I have bad credit?

Yes, you can still get a payday loan in Manteca, California even if you have bad credit. Payday lenders don’t typically check your credit score, though you will need to provide proof of regular income and a valid checking account in order to qualify.

What alternatives to payday loans are available in Manteca, California?

Alternatives to payday loans in Manteca, California include borrowing from a friend or family member, applying for a small personal loan, and using a credit card.

Apply Now

If you’re in need of short-term financial assistance, TheGuaranteedLoans can help. We can connect you with the right lender for your needs and help you get the cash you need quickly. Fill out our online application today and get started. Keep in mind that TheGuaranteedLoans is not a lender and does not provide any loan services.

More F.A.Q.

Can payday lenders in Manteca, California require me to provide a post-dated check as collateral for the loan?

Yes, payday lenders in Manteca, California may require you to provide a post-dated check as collateral for the loan. However, they are not allowed to cash the check unless you have failed to repay the loan on the due date.

Can payday lenders in Manteca, California require me to provide a signed authorization for automatic withdrawal from my bank account as a condition of the loan?

Yes, payday lenders in Manteca, California may require you to provide a signed authorization for automatic withdrawal from your bank account as a condition of the loan. This allows the lender to automatically withdraw the loan amount and any fees on the due date.

How Many Cash Advance Companies are in Manteca, CA?

With the help of our service, you will be able to find 11 cash advance companies in Manteca, CA

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

You should check California Check Cashing Stores, Advance America, and Bank of Stockton Manteca. Also, you can start your application online on our website.

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