Payday Loans in Oak Run, California

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

Company nameAddressZip codePhone number
ACE Cash Express 2006 Freedom Blvd, Freedom, CA 95019 +1 (831) 761 - 9874
ACE Cash Express 290 E Cross Ave, Tulare, CA 93274 +1 (559) 684 - 0150
California Check Cashing Stores 678 N Wilson Way #39, Stockton, CA 95205 +1 (209) 941 - 2274
Eazy Cash Systems LLC 17499 Yorba Linda Blvd, Yorba Linda, CA 92886 +1 (714) 528 - 8120
RateAxe 15442 Ventura Blvd STE103, Sherman Oaks, CA 91403 +1 (800) 779 - 1445
Title Loans Express 18200 Yorba Linda Blvd #205, Yorba Linda, CA 92886 +1 (714) 709 - 8770
Lassen County Federal Credit Union 2605 Riverside Dr, Susanville, CA 96130 +1 (530) 257 - 7736
California Check Cashing Stores 2471 Berryessa Rd #5, San Jose, CA 95133 +1 (408) 926 - 5626
Marc Thompson, Mortgage Lender NMLS Lic. 282260 437 F St, Davis, CA 95616 +1 (530) 753 - 8800
Payday Broadway, El Cajon, CA 92021

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oak Run, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Clovis, CA, Guaranteed Loans in Coachella, CA, Quick Loan in Colton, CA, Payday Loans in Compton, CA, No Credit Check Loans in Concord, CA, Payday Loans in Corona, CA, Payday Loans in Costa Mesa, CA and Online Loans in Covina, 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 Oak Run, CA.

Are Payday Loans Legal In Oak Run, 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

Oak Run, CA payday loan calculator

Are you struggling financially and considering payday loans in Oak Run, California? Payday loans are legal in California and can be a quick fix for urgent financial needs, but they come with high interest rates and fees that can trap borrowers in a cycle of debt. In this article, we’ll provide a comprehensive guide to payday loans in Oak Run, California and help you make an informed decision about whether or not to use them.

What are payday loans?

A payday loan is a short-term loan that you can get to cover unexpected expenses between paychecks. You typically need to repay the loan in full on your next payday, which is why they’re called payday loans. They’re also known as cash advances, paycheck advances, and payday advances.

How do payday loans work in Oak Run, California?

In the state of California, payday loans are legal and regulated under California Financial Code 23000 and California Civil Code 1789.30. You can borrow up to $300 with a maximum term of 31 days. The interest rate is capped at 15% of the loan amount, which means that if you borrow $100, you’ll owe $115 at the end of the term. You may also be charged additional fees, such as a finance charge and non-sufficient funds (NSF) fee if you bounce a check.

To apply for a payday loan in Oak Run, California, you need to be at least 18 years old, have a steady income, and a valid checking account. You’ll need to provide some personal information and proof of income, such as your pay stubs, bank statements, or tax returns. The lender will then evaluate your application and determine whether or not to approve you.

If you’re approved, the lender will give you the loan amount in cash, a check, or deposit it directly into your checking account. You’ll be required to sign a loan agreement that outlines the terms and conditions, including the interest rate, fees, and repayment schedule. You must repay the loan on time, or you risk incurring more fees and damaging your credit score.

Pros and cons of payday loans in Oak Run, California

Pros

  • Quick access to cash: You can get approved for a payday loan in Oak Run, California, in minutes and get the cash you need the same day.
  • No credit check: Payday lenders don’t check your credit history, so even if you have poor or no credit, you may still be able to get approved for a payday loan.
  • No collateral: Payday loans are unsecured, which means you don’t need to put up any collateral, such as your car or home, to get approved for a loan.

Cons

  • High interest rates and fees: Payday loans come with high interest rates and fees that can add up quickly, making them an expensive way to borrow money.
  • Short repayment term: You need to repay the loan in full on your next payday, which can be challenging if you’re already struggling financially.
  • Risk of debt cycle: If you can’t repay the loan on time, you may be charged additional fees and interest, making it harder to repay the loan and get out of debt.

Interesting facts and statistics about Payday loans in Oak Run, California

  • As of 2021, there are approximately 2,163 payday lenders in California.
  • California has the most payday lenders in the United States, followed by Texas and Ohio.
  • The average payday loan borrower in California takes out eight loans per year.
  • The average payday loan in California is $251 with an average fee of $44.
  • In 2019, California borrowers took out over 10 million payday loans with a total value of over $4 billion.

Apply Now

If you need funds urgently and are considering payday loans in Oak Run, California, visit our website TheGuaranteedLoans. We’re a connector service that can help connect you with potential lenders who may be able to provide you with a loan. Please note that we’re not a direct lender, and we don’t make lending decisions. We’ll only facilitate your connection with lenders who may be able to assist you. Fill out our online application form, and we’ll let you know if we have any lenders who may be able to offer you a loan.

Conclusion

Payday loans in Oak Run, California, can provide a quick short-term solution to urgent financial needs. However, they come with high interest rates and fees that can trap borrowers in a cycle of debt. Make sure you understand the terms and conditions of the loan agreement before you sign and borrow only what you can afford to repay. Always explore other alternatives, such as borrowing from a friend or family member or seeking assistance from a non-profit credit counseling agency, before you consider a payday loan.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a member of the military in Oak Run, California?

in Oak Run, California, payday lenders are prohibited from charging higher interest rates or fees to military members or their dependents. Military members and their dependents are entitled to the same maximum interest rate and finance charge as all other borrowers in Oak Run, California.

Can I be charged a higher interest rate or fees if I am a senior citizen in Oak Run, California?

in Oak Run, California, payday lenders are prohibited from charging higher interest rates or fees to senior citizens. All borrowers, regardless of age, are entitled to the same maximum interest rate and finance charge.

Look for Short-Term Loans in Other Cities:

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