Payday Loans in Oceano, California

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

Company nameAddressZip codePhone number
TNL Car Title Loans 2211 Railroad Ave Ste 478C, Pittsburg, CA 94565 +1 (925) 232 - 0081
Order Express 16394 E 14th St 3110, San Leandro, CA 94578 +1 (888) 666 - 1602
Allied Cash Advance 128 N Orchard Ave, Ukiah, CA 95482 +1 (707) 467 - 9119
United Security Bank 40074 CA-49, Oakhurst, CA 93644 +1 (559) 683 - 2200
USA Check Center 844 W San Marcos Blvd A, San Marcos, CA 92078 +1 (760) 744 - 9323
Golden Pacific Bank 620 N Walton Ave, Yuba City, CA 95993 +1 (530) 742 - 3800
Kinecta Federal Credit Union - Fountain Valley 17860 Newhope St 102, Fountain Valley, CA 92708 +1 (800) 854 - 9846
5 Star Car Title Loans 1411 W Arrow Hwy, San Dimas, CA 91773 +1 (909) 347 - 5187
Bank of the West 641 Camino De Los Mares Ste C130, San Clemente, CA 92673 +1 (949) 248 - 5656
California Check Cashing Stores 401 E Bidwell St a, Folsom, CA 95630 +1 (916) 983 - 2229

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oceano, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in La Mirada, CA, Payday Loans in La Puente, CA, Same Day Loans in La Quinta, CA, Payday Loan Companies in La Verne, CA, Payday Loans in Laguna Hills, CA, Short-term Loans in Laguna Niguel, CA, Payday Loans in Lake Elsinore, CA and Emergency Loan in Lake Forest, 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 Oceano, CA.

Beautiful sights of Oceano, CA

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

93445

Are Payday Loans Legal In Oceano, 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

Oceano, CA payday loan calculator

Payday Loans in Oceano, California – Everything You Need to Know

Payday loans are a quick solution when you need cash urgently. These loans are short-term, high-interest loans that you repay on your next payday. In Oceano, California, payday loans are legal and regulated by state laws, but it’s important to understand the terms and conditions before you consider taking out a payday loan.

How Do Payday Loans Work in Oceano, California?

In California, payday lenders are allowed to offer loans of up to $300 for a maximum term of 31 days. Before you sign for a payday loan, the lender must disclose the cost to you as a dollar amount and an Annual Percentage Rate (APR). The APR is the cost of the loan on an annual basis, including interest and fees.

You must provide the lender with proof of income and a personal check or bank account number for repayment. The lender will deposit the loan funds directly into your account and withdraw the repayment amount, including fees and interest, on the due date. If you cannot repay the loan on time, you may be able to extend the term, but you’ll have to pay additional fees and interest.

What Are the Benefits of Payday Loans in Oceano, California?

  • Quick access to cash: Payday loans are a fast solution when you need money urgently. The application process is simple, and you can get approved quickly.
  • No collateral required: You don’t need to provide any collateral to secure a payday loan, unlike other types of loans.
  • Regulated by state laws: Payday lenders in California are regulated by the state laws, which ensure transparency and fairness in lending practices.

What Are the Risks of Payday Loans in Oceano, California?

  • High-interest rates: Payday loans come with high-interest rates, which can make them expensive compared to other types of loans. You might end up paying more than double the borrowed amount due to the interest charges.
  • Short repayment terms: The repayment term for payday loans in California is only 31 days. If you cannot repay the loan on time, you may have to roll it over, which incurs additional fees and interest.
  • Debt trap: If you take out multiple payday loans and cannot repay them on time, you may end up in a debt trap, which can ruin your credit score and financial status.

Interesting Facts and Statistics about Payday Loans in Oceano, California

  • According to the California Department of Business Oversight, the average APR for payday loans in California in 2020 was 372%, which is high compared to other types of loans.
  • In 2019, Californians took out 12.3 million payday loans with an average loan amount of $251, according to the California Department of Business Oversight.
  • There are more than 2,000 payday lenders operating in California, according to a report by the California Department of Business Oversight.

Apply Now to Get Connected with Potential Lenders

If you need money urgently and are considering a payday loan in Oceano, California, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we work with a network of reputable lenders who can offer you competitive rates.

To get started, simply fill out our online application form, and we’ll match you with the lenders who meet your needs. Our service is free, and you are under no obligation to accept any loan offers. Apply now and get the funds you need to cover your expenses!

F.A.Q.

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

To apply for a payday loan in Oceano, California, you must visit a payday lender in person and provide proof of income, identification, and a blank check from an active checking account.

How long does it take to get a payday loan in Oceano, California?

In most cases, payday loans in Oceano, California can be approved and disbursed within a few hours.

Look for Short-Term Loans in Other Cities:

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