Payday Loans in Santa Cruz, California

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Payday Loan Companies in Santa Cruz, CA

Company nameAddressZip codePhone number
Advance America 420 River St Ste. B 95060 +1 (831) 459 - 6727
ARF Enterprises 149 Josephine St D 95060 +1 (831) 426 - 0400
Bank of America with Drive-thru ATM 104 River St 95060 +1 (831) 466 - 1721
Bank of the West 1551 Pacific Ave 95060 +1 (831) 429 - 1124
Credit Union State of Ca 8030 Soquel Ave STE 201 95062 +1 (831) 479 - 7600
DolEx Dollar Express 236 Ocean St 95060 +1 (888) 246 - 2527
Family Title Loans 155 Dubois St STE E 95060 +1 (831) 540 - 2163
Money Market Check Cashing 903 Pacific Ave #102 95060 +1 (831) 423 - 6600
Money Market Check Cashing 903 Pacific Ave UNIT 102 95060 +1 (831) 423 - 6600
Santa Cruz Community Credit Union 324 Front St 95060 +1 (831) 425 - 7708
Stearns Home Loans - Santa Cruz, CA 317 Soquel Ave 95062 +1 (831) 818 - 8919
TNL Car Title Loans 1017 Mission St 95060 +1 (831) 769 - 6080
UC Santa Cruz Financial Aid Office Hahn Student Services, 205, 1156 High St 95064 +1 (831) 459 - 2963

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Santa Cruz, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Santa Maria, CA, Short-term Loans in Santa Monica, CA, Payday Loans in Santa Paula, CA, Payday Loans in Santa Rosa, CA, No Credit Check Loans in Santee, CA, Online Loans in Saratoga, CA, Payday Loans in Seaside, CA and No Credit Check Loans in Simi Valley, 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 Santa Cruz, CA.

Beautiful sights of Santa Cruz, CA

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

95064, 95063, 95062, 95060, 95061, 95065

Are Payday Loans Legal In Santa Cruz, 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

Santa Cruz, CA payday loan calculator

Payday Loans in Santa Cruz, California

Payday loans are legal in California! Payday loans are small, short term loans that can be used to cover emergency expenses or bridge a temporary gap in your budget. If you are a resident of Santa Cruz, California and are looking for a payday loan, then you are in luck. Santa Cruz has a healthy number of brick-and-mortar payday loan stores, as well as online payday loan providers.

What Are Payday Loans?

Payday loans are short-term, high-interest loans that are typically used to cover emergency expenses, such as unexpected medical bills, home repairs, or car troubles. These loans are typically for amounts up to $500, and the repayment term is usually no more than two weeks. Payday loans are a popular choice for those with limited access to other forms of credit, such as credit cards or bank loans.

What Are the Requirements for Payday Loans in Santa Cruz, California?

The requirements for payday loans in Santa Cruz, California vary by lender. Generally, you will need to provide proof of income, proof of residence, and a valid form of identification, such as a driver’s license or state ID. In addition, you will need to provide a postdated check or bank account information to cover the loan amount plus interest and fees.

Where Can I Find a Payday Loan in Santa Cruz, California?

If you are looking for payday loans in Santa Cruz, California, there are a number of brick-and-mortar and online providers to choose from.

Brick-and-Mortar Stores

Santa Cruz, California is home to a number of payday loan stores. These stores serve the local community with the funds and guidance they need to get out of financial trouble. Here are a few of the most popular:

  • Ace Cash Express
  • Money Mart
  • Check ‘n Go
  • Advance America

Online Providers

If you prefer to apply for a payday loan online, then you can take advantage of the wide variety of online lenders in the Santa Cruz area. Many of these lenders offer the convenience of 24/7 customer service, as well as faster loan processing times. Here are a few of the most popular online payday loan providers in Santa Cruz:

  • NetLoan USA
  • CashNetUSA
  • LendUp
  • Check Into Cash

FAQ

Are payday loans legal in California?

Yes, payday loans are legal in California. The California Deferred Deposit Transaction Law (DCT Law) regulates payday loans in California.

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

The amount of time it takes to receive a payday loan in Santa Cruz, California varies by lender. Many online lenders offer faster loan processing times than brick-and-mortar lenders. In most cases, you can expect to receive your loan within 24-48 hours.

What is the maximum amount I can borrow with a payday loan in Santa Cruz, California?

The maximum amount you can borrow with a payday loan in Santa Cruz, California is $500.

Are there any fees associated with a payday loan in Santa Cruz, California?

Yes, there are fees associated with payday loans in Santa Cruz, California. These fees typically include a one-time loan processing fee, as well as fees for late payment, non-payment, or rollover of the loan.

Apply Now

If you’re in need of a payday loan in Santa Cruz, California, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders in your area. Simply fill out our online application to get started.

More F.A.Q.

What are the consequences of taking out multiple payday loans in Santa Cruz, California?

Taking out multiple payday loans in Santa Cruz, California can be financially risky and can lead to a cycle of debt. Not only can the high interest rates and fees add up quickly, but defaulting on multiple loans can result in legal action and wage garnishment.

Can I have more than one payday loan outstanding at a time in Santa Cruz, California?

No, you are only allowed to have one payday loan outstanding at a time in Santa Cruz, California. If you take out another loan before fully repaying the first one, the lender is breaking the law and you may be able to dispute the second loan.

How Many Cash Advance Companies are in Santa Cruz, CA?

With the help of our service, you will be able to find 13 cash advance companies in Santa Cruz, CA

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

You should check Money Market Check Cashing, ARF Enterprises, and Advance America. Also, you can start your application online on our website.

Look for Short-Term Loans in Other Cities:

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