Payday Loans in Oakley, California

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Payday Loan Companies in Oakley, CA

Company nameAddressZip codePhone number
Advance America 2031 Main St 94561 +1 (925) 625 - 1779
Car Title Loans California 2031 Main St 94561 +1 (925) 592 - 9714

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oakley, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Oceanside, CA, Payday Loans in Ontario, CA, Payday Loans in Orange, CA, Emergency Loan in Orangevale, CA, Same Day Loans in Oxnard, CA, Short-term Loans in Pacifica, CA, Payday Loans in Pala, CA and Payday Loans in Palm Desert, 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 Oakley, CA.

Beautiful sights of Oakley, CA

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

94561

Are Payday Loans Legal In Oakley, 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

Oakley, CA payday loan calculator

Payday Loans in Oakley, California

Oakley, California, is a small town east of San Francisco and is home to over 35,000 people. Payday loans are legal in California, and Oakley is no exception. While payday loans allow borrowers to receive extra cash in a pinch, they must be considered carefully before signing an agreement. Before you take out a payday loan in Oakley, California, read on to learn what you should know.

What Is a Payday Loan?

Payday loans are short-term loans with high interest rates. These loans are aimed at people who need quick access to cash but may have trouble getting approved for traditional loans. Each state regulates payday lending differently, so the terms and rules vary. In California, borrowers can receive up to $300 from a payday loan lender.

How Do Payday Loans Work?

Payday loans work by allowing a borrower to receive cash in exchange for agreeing to pay the loan back with interest after a set amount of time. Once approved, you can receive your loan in as little as one business day. To get a loan, you will be required to provide proof of steady income, a valid ID, and a valid bank account.

What Are the Costs of Payday Loans in Oakley, California?

Payday loans in Oakley, California come with an average Annual Percentage Rate (APR) of 400%. The fees can vary from lender to lender, but the maximum allowed in California is 15% of the total loan amount. It is important to consider the fees and interest rate when considering taking out a payday loan.

What Happens if You Can’t Pay a Payday Loan Back?

If you cannot pay back your payday loan on time, most lenders in California allow for a one-time extension of the loan for an additional fee. If this option is not available, or if you decide to take it but still cannot pay off the loan, the lender can take legal action. In California, this includes wage garnishment, seizing personal property, or filing a suit. It is important to contact the lender if you are struggling to make payments in order to avoid legal action.

Apply Now

If you are considering taking out a payday loan in Oakley, California, TheGuaranteedLoans can help. We are not a lender, but our website can connect you with trusted lenders in your area. All you need to do is fill out an online application, and we will do the rest. Our service is fast and secure, so you can have peace of mind knowing that your information is safe.

F.A.Q.

Can I get a payday loan in Oakley, California?

Yes, payday loans are legal in California and available in Oakley. You must be over 18 years old and provide proof of income and a valid bank account to access a payday loan.

How much can I borrow with a payday loan?

You can borrow up to $300 with a payday loan in California. The fees and interest rate may vary from lender to lender, so it is important to shop around and compare rates.

What happens if I can’t pay back a payday loan?

If you cannot pay back your payday loan on time, most lenders in California allow for a one-time extension of the loan for an additional fee. If this option is not available, or if you decide to take it but still cannot pay off the loan, the lender can take legal action. It is important to contact the lender if you are struggling to make payments in order to avoid legal action.

Conclusion

Payday loans are available to those who need quick access to cash in Oakley, California. It is important to consider the fees and interest rate of these loans before signing an agreement. If you cannot pay the loan back on time, you may be able to receive an extension, however, if you still cannot pay the loan back, the lender can take legal action. To get started, you can apply online with TheGuaranteedLoans and we will connect you with trusted lenders in your area.

More F.A.Q.

Are payday loans in Oakley, California only available to residents of the state?

Yes, payday loans in Oakley, California are only available to residents of the state.

How do I apply for a payday loan in Oakley, California?

You can apply for a payday loan in Oakley, California by visiting a licensed lender's storefront or website. You will need to provide proof of income and employment, as well as a valid government-issued ID.

How Many Cash Advance Companies are in Oakley, CA?

With the help of our service, you will be able to find 2 cash advance companies in Oakley, CA

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

You should check Advance America and Car Title Loans California. Also, you can start your application online on our website.

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