Payday Loans in Patton, California

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

Company nameAddressZip codePhone number
Frontera Cash And Loan 1839 W Vista Way, Vista, CA 92083 +1 (760) 650 - 3841
Patelco Credit Union 3101 Travis Blvd A, Fairfield, CA 94534 +1 (800) 358 - 8228
Speedy Cash 13263 Van Nuys Blvd, Pacoima, CA 91331 +1 (818) 896 - 1768
MoneyHungry, LLC 672 W 11th St Suite 204, Tracy, CA 95376 +1 (209) 831 - 9795
Gardens Gold & Loan 11858 E Carson St, Hawaiian Gardens, CA 90716 +1 (562) 394 - 0048
Shalise Miles 527 D St, Eureka, CA 95501 +1 (707) 441 - 1411
SchoolsFirst Federal Credit Union - Folsom 1010 Riley St 5, Folsom, CA 95630 +1 (916) 569 - 5400
TNL Car Title Loans 10318 E Rosecrans Ave, Ste 431, Bellflower, CA 90706 +1 (562) 276 - 2561
Community First Credit Union 328 N Main St, Sebastopol, CA 95472 +1 (707) 827 - 3529
Advance America 2011 Camden Ave, San Jose, CA 95124 +1 (408) 371 - 5242

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Patton, CA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in El Dorado Hills, CA, Payday Loans in El Monte, CA, Payday Loans in Elk Grove, CA, Payday Loans in Encinitas, CA, Short-term Loans in Escondido, CA, Online Loans in Fair Oaks, CA, Payday Loans in Fairfield, CA and Payday Loans in Fallbrook, 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 Patton, CA.

Are Payday Loans Legal In Patton, 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

Patton, CA payday loan calculator

Payday Loans in Patton, California: Everything You Need to Know

Payday loans are a popular type of short-term lending that offer quick access to cash. They can be a helpful resource in times of financial difficulty, but it’s important to understand the risks associated with these loans, as well as the laws and regulations governing them in California.

What are Payday loans?

Payday loans are high-interest loans designed to be repaid within a short period of time, typically two to four weeks. They are often used by people who need access to cash quickly and don’t have access to other forms of credit. It’s important to note that payday loans are not a long-term solution to financial difficulties and should only be used as a last resort.

Are Payday Loans Legal in California?

Yes, payday loans are legal in California. However, there are strict regulations that lenders must follow to protect consumers from predatory lending practices.

Under California law, payday loans cannot exceed $300, and the maximum fee that lenders can charge is 15% of the loan amount. Lenders are also required to clearly disclose all terms and fees associated with the loan before the borrower agrees to the loan.

How Do Payday Loans Work?

The process of obtaining a payday loan is typically straightforward. The borrower fills out an application and provides personal information, proof of income, and a post-dated check or authorization for electronic debits. If approved, the lender will disburse the funds, and the borrower must repay the loan in full, plus fees, by the due date.

What are the Risks of Payday Loans?

The main risk associated with payday loans is the high cost of borrowing. The fees and interest rates on these loans can be extremely high, which can make it difficult for borrowers to repay the loan on time. This can lead to a cycle of debt in which borrowers take out new loans to cover the cost of the old ones.

It’s important to carefully consider whether a payday loan is the best option for your financial situation. If you can’t repay the loan on time, you may be charged late fees and additional interest, which can make the loan even more expensive.

Interesting Facts and Statistics about Payday Loans in Patton, California

  • There are over 2,000 payday lenders operating in California, with a total of 11,000 storefronts and online locations.
  • In 2019, the California Department of Business Oversight received over 10,000 complaints about payday lenders in the state.
  • The average payday loan in California is $250, with an average fee of $44 per loan.
  • According to a study by the Pew Charitable Trusts, 69% of payday loan borrowers in California use the funds to cover recurring expenses, such as rent or utilities.

Apply Now

If you’re considering a payday loan in Patton, California, TheGuaranteedLoans can help. We are a connector service that will match you with potential lenders who can provide the cash you need. Our online application process is quick and easy, and you can receive a decision in minutes. Please note that we are not a direct lender, and we cannot guarantee approval or the terms of the loan. However, we are committed to connecting you with reputable lenders who follow all applicable laws and regulations.

Don’t let financial difficulties overwhelm you. Apply for a payday loan today and get the cash you need to get back on track.

F.A.Q.

Can I be charged a higher interest rate or fees if I have filed for bankruptcy in Patton, California?

in Patton, California, payday lenders are prohibited from charging higher interest rates or fees to borrowers who have filed for bankruptcy. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of their credit history or financial status.

Can I be charged a higher interest rate or fees if I am receiving public assistance in Patton, California?

in Patton, California, payday lenders are prohibited from charging higher interest rates or fees to borrowers who are receiving public assistance. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of their income or financial situation.

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