Payday Loans in Richgrove, California

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

Company nameAddressZip codePhone number
Phil Caulfield NMLS 386911 398 Primrose Rd 226, Burlingame, CA 94010 +1 (650) 222 - 0386
Umpqua Bank 2779 E Bidwell St Suite 400, Folsom, CA 95630 +1 (916) 983 - 4144
Anew Lending 9299 E Stockton Blvd 50 B, Elk Grove, CA 95624 +1 (916) 226 - 9991
TitleMax Title Loans 9735 Campo Rd Suite 210, Spring Valley, CA 91977 +1 (619) 797 - 8282
ACE Cash Express 1320 Standiford Ave Ste 8, Modesto, CA 95350 +1 (209) 572 - 2900
Check Into Cash 8810 Base Line Rd, Rancho Cucamonga, CA 91701 +1 (909) 481 - 6886
Union Bank 665 Tucker Rd, Tehachapi, CA 93561 +1 (661) 822 - 2500
Sun Community Federal Credit Union 1068 Broadway, El Centro, CA 92243 +1 (760) 337 - 4200
Bank of the West 34 E Gridley Rd, Gridley, CA 95948 +1 (530) 846 - 3669
Patelco Credit Union 5601 Lone Tree Way Suite T-110, Brentwood, CA 94513 +1 (800) 358 - 8228

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Richgrove, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Yucaipa, CA, Payday Loans in Adelanto, CA, Guaranteed Loans in Alameda, CA, Payday Loans in Alhambra, CA, 24-Hour Loan in Aliso Viejo, CA, Bad Credit Loans in Altadena, CA, 24-Hour Loan in Anaheim, CA and 24-Hour Loan in Antelope, 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 Richgrove, CA.

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

93261

Are Payday Loans Legal In Richgrove, 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

Richgrove, CA payday loan calculator

Everything You Need to Know About Payday Loans in Richgrove, California

Payday loans are a type of short-term loan that borrowers use to cover unexpected expenses. They are typically due on the borrower’s next payday, hence the name “payday loan.” These types of loans are subject to state regulations, and the regulations may vary depending on the state. In California, payday loans are legal and regulated under the California Financial Code and the California Deferred Deposit Transaction Law.

How Payday Loans Work in Richgrove, California

In Richgrove, California, payday loans are available at physical storefronts or online. To apply for a payday loan, borrowers need to provide proof of income, an active checking account, and identification. Once the borrower’s application is approved, the lender will provide the funds in cash, check, or direct deposit. The amount of the loan may range from $100 up to $255, and the borrower typically has until their next payday to repay the loan.

Payday loans are known for their high interest rates, which can vary depending on the lender and the loan amount. In California, payday lenders can charge a maximum of 15% for every $100 borrowed. For example, if a borrower takes out a $250 loan, they can expect to pay $44.25 in interest fees. The annual percentage rate (APR) for a payday loan in California can range from 372% to 460%, depending on the loan term.

The Benefits and Risks of Payday Loans

Payday loans can provide a quick solution for unexpected expenses, but they come with risks, too. One of the benefits of payday loans is that they are easy to obtain. Borrowers do not need to have a good credit score to qualify, and the application process is usually straightforward. However, payday loans have high fees, which can trap borrowers in a debt cycle. If borrowers fail to repay the loan on time, they may need to pay additional late fees, and the interest charges can quickly add up.

Another risk of payday loans is that they can have a negative impact on the borrowers’ credit score. If borrowers default on their loan, the lender may report their non-payment to the credit bureaus, which can lower the borrowers’ credit score. This can make it difficult for the borrowers to qualify for other types of loans or credit in the future.

Interesting Facts and Statistics About Payday Loans in Richgrove, California

  • California residents borrowed $2.72 billion in payday loans in 2018.
  • The average payday loan borrower takes out eight loans per year.
  • The majority of payday loan borrowers have an income of $30,000 or less per year.
  • Payday lenders in California charge around $459 million in fees every year.

Apply Now for a Payday Loan in Richgrove, California

If you live in Richgrove, California, and need a payday loan to cover unexpected expenses, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders. Our online application process is easy and straightforward, and we work with a network of trustworthy lenders.

When you apply for a payday loan through TheGuaranteedLoans, we will match you with a lender based on your application information. If your application is approved, the lender will provide the funds directly to your checking account. The repayment terms and interest rates will depend on the lender and the loan amount.

Remember, payday loans are a short-term solution, and they should only be used in emergencies. Borrowers should be aware of the risks and fees associated with payday loans before applying.

If you’re ready to apply for a payday loan in Richgrove, California, visit TheGuaranteedLoans website and fill out our online application form now.

F.A.Q.

What is a payday loan in Richgrove, California?

A payday loan in Richgrove, California is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

Are payday loans legal in Richgrove, California?

Yes, payday loans are legal in Richgrove, California, but there are strict regulations in place to protect borrowers from predatory lending practices.

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