Payday Loans in Scotia, California

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

Company nameAddressZip codePhone number
5 Star Car Title Loans 6011 Orangethorpe Ave ste a, Buena Park, CA 90620 +1 (714) 248 - 8934
Check `n Go 720 Contra Costa Blvd, Pleasant Hill, CA 94523 +1 (925) 691 - 4971
Check Cash 70 E Main St, Heber, CA 92249 +1 (760) 482 - 0908
California Budget Finance 18768 CA-18 #200, Apple Valley, CA 92307 +1 (760) 946 - 1093
Advance America 217 Tennant Station, Morgan Hill, CA 95037 +1 (408) 776 - 9807
Oportun 24899 Alessandro Blvd, Moreno Valley, CA 92553 +1 (855) 444 - 7001
Umpqua Bank 1115 Vine St, Healdsburg, CA 95448 +1 (707) 431 - 8866
Union Bank 583 W Channel Islands Blvd, Port Hueneme, CA 93041 +1 (805) 985 - 2873
ACE Cash Express 16920 E Foothill Blvd Ste E, Fontana, CA 92335 +1 (909) 350 - 3577
Check `n Go 14712 La Paz Dr Suite 105, Victorville, CA 92394 +1 (760) 955 - 5674

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scotia, CA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Orangevale, CA, Online Loans in Oxnard, CA, 24-Hour Loan in Pacifica, CA, Payday Loans in Pala, CA, Payday Loans in Palm Desert, CA, Payday Loans in Palm Springs, CA, Payday Loans in Palmdale, CA and Online Loans in Palo Alto, 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 Scotia, CA.

Beautiful sights of Scotia, CA

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

95565

Are Payday Loans Legal In Scotia, 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

Scotia, CA payday loan calculator

Payday Loans in Scotia, California: Understanding Your Options

Dealing with financial emergencies can be incredibly stressful and overwhelming, especially if you don’t have the funds to cover unexpected expenses. For many people, payday loans offer a solution to urgent financial needs. If you live in Scotia, California, and are considering a payday loan, it’s important to understand your options and the regulations surrounding these types of loans.

What Are Payday Loans?

A payday loan is a short-term loan designed to help you cover urgent expenses until your next paycheck. These loans are typically for small amounts, usually ranging from $100 to $1,000, and are often due on your next payday. The application process is relatively simple, and funds can be transferred to your bank account quickly, often within one to two business days.

California state law allows for payday loans, but there are certain regulations in place to protect consumers from predatory lending practices. Before applying for a payday loan in Scotia, it’s important to understand these regulations and ensure that you are working with a reputable lender that follows them.

Regulations of Payday Loans in California

In California, payday loans are legal but are subject to strict regulations to protect consumers. These regulations include:

  • Loan amounts cannot exceed $300
  • Loan terms cannot exceed 31 days
  • Lenders cannot charge more than 15% in interest and fees
  • Borrowers can only have one loan at a time
  • Lenders must provide a written agreement outlining the terms of the loan

It’s important to note that payday loans can come with high interest rates and fees, so it’s crucial to understand the total cost of borrowing before committing to a loan.

Applying for a Payday Loan in Scotia, California

If you’re considering a payday loan in Scotia, California, the first step is to find a reputable lender. One option is to use a lender matching service like TheGuaranteedLoans.

TheGuaranteedLoans is not a direct lender, but instead works with a network of trusted lenders to connect borrowers with potential lenders. The application process is simple and can be completed online. Simply fill out the online application, providing basic information about yourself and your financial situation. If you are matched with a lender, they will contact you to discuss the terms of the loan and provide a loan agreement for your review.

Interesting Facts about Payday Loans in Scotia, California

  • According to a 2019 report by the California Department of Business Oversight, there were over 10 million payday loans made in the state in 2018, totaling over $4 billion in loans.
  • The average borrower takes out eight payday loans per year, with an average loan amount of $251.
  • In Scotia, California, there are several payday loan lenders located on Main Street and Redwood Highway.
  • While payday loans can be a helpful tool in a financial emergency, they can also trap people in a cycle of debt. According to the Consumer Financial Protection Bureau, four out of five payday loans are rolled over or renewed within two weeks, and nearly a quarter of borrowers renew their loans nine times or more.

The Bottom Line

Payday loans can be a helpful option for those dealing with unexpected financial expenses, but it’s important to understand the risks and regulations associated with these loans. Working with a reputable lender and using caution when borrowing money can help you navigate the world of payday loans and make the best financial decisions for you and your family.

Apply Now

If you’re interested in applying for a payday loan in Scotia, California, TheGuaranteedLoans is here to help. Our lender matching service can connect you with potential lenders quickly and easily. Remember, we are a connector service, not a direct lender, and we work with a network of trusted lenders to help connect borrowers with the best options for their financial needs. Apply now and take the first step toward getting the funds you need to cover unexpected expenses.

F.A.Q.

What is a payday loan in Scotia, California?

A payday loan in Scotia, California is a short-term loan that is intended to help borrowers get by until their next payday. These loans typically have high interest rates and are intended to be repaid in full on the borrower's next payday.

Are payday loans legal in Scotia, California?

Yes, payday loans are legal in Scotia, California. However, the state has strict regulations in place to protect borrowers from predatory lending practices. For example, lenders are required to disclose the full cost of the loan to borrowers, including the APR and all fees.

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