Payday Loans in Somis, California

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

Company nameAddressZip codePhone number
U.S. Bank Branch 8200 El Camino Real, Atascadero, CA 93422 +1 (805) 460 - 4360
California Bank & Trust 415 E Avenida Pico P, San Clemente, CA 92672 +1 (949) 248 - 2100
mobileloans24 10063 Riverside Dr, Toluca Lake, CA 91602 +1 (866) 831 - 3768
Bank of America Financial Center 23929 Valencia Blvd, Valencia, CA 91355 +1 (661) 253 - 4653
HomeStreet Bank - Gayle Arrowood 635 Broadway, Sonoma, CA 95476 +1 (707) 939 - 5626
Altura Credit Union 300 S Highland Springs Ave Suite 7, Banning, CA 92220 +1 (888) 883 - 7228
ACE Cash Express 150 W Olive Ave, Merced, CA 95348 +1 (209) 385 - 2271
Golden Pacific Bank 620 N Walton Ave, Yuba City, CA 95993 +1 (530) 742 - 3800
Dryden Capital, Inc. 1202 Grant Ave B-1, Novato, CA 94945 +1 (800) 806 - 0584
Umpqua Bank 805 Eleventh St, Lakeport, CA 95453 +1 (707) 263 - 7500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Somis, CA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Lancaster, CA, No Credit Check Loans in Lawndale, CA, Payday Loans in Lincoln, CA, Payday Loans in Livermore, CA, Payday Loans in Lodi, CA, Payday Loan Companies in Lompoc, CA, 24-Hour Loan in Long Beach, CA and Payday Loan for Los Altos, 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 Somis, CA.

Beautiful sights of Somis, CA

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

93066

Are Payday Loans Legal In Somis, 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

Somis, CA payday loan calculator

Payday loans, also known as cash advances, are a type of short-term loan that can provide quick cash to those who need it. In Somis, California, payday loans are legal and can be a useful option for individuals facing unexpected financial challenges.

How do payday loans work?

Payday loans typically provide borrowers with small loans, usually ranging from $100 to $1,000, that are intended to be paid back on the borrower’s next payday. These loans are unsecured, meaning they do not require collateral. To apply for a payday loan in Somis, California, a borrower must provide proof of income, such as a pay stub or bank statement, and a valid form of identification.

Once approved, the borrower will receive the loan amount in cash or deposited into their bank account. The loan is typically due on the borrower’s next payday, which can be anywhere from a week to a month away, depending on the borrower’s pay schedule. Lenders may charge high fees and interest rates for payday loans, so it’s important for borrowers to carefully review the terms and conditions before accepting the loan.

What are the requirements to get a payday loan in Somis, California?

To apply for a payday loan in Somis, California, borrowers must meet certain requirements. These typically include:

  • Being at least 18 years old
  • Having a valid form of identification
  • Providing proof of income, such as a pay stub or bank statement
  • Having an active checking account

Some lenders may have additional requirements, so it’s important for borrowers to check with individual lenders to determine their specific requirements.

The benefits and drawbacks of payday loans

Payday loans can provide quick cash to those facing unexpected expenses, but they also come with several drawbacks. Some of the benefits and drawbacks of payday loans include:

  • Benefit: Quick cash: Payday loans can provide borrowers with the cash they need in a short amount of time, usually within one business day.
  • Drawback: High fees and interest rates: Payday loans typically come with high fees and interest rates, which can make them an expensive option for borrowers.
  • Benefit: No collateral required: Payday loans are unsecured, meaning borrowers do not need to provide collateral.
  • Drawback: Short repayment period: Payday loans are typically due on the borrower’s next payday, which can be a short window for repayment.
  • Benefit: Easy application process: Payday loans typically have a simple application process, which can be completed online or in person.
  • Drawback: Risk of debt cycle: Payday loans can be a risky option for borrowers who may struggle to repay the loan on time, leading to a cycle of debt.

Interesting facts and statistics about payday loans in Somis, California

  • In California, the maximum loan amount for payday loans is $300.
  • The average interest rate for payday loans in California is 372%, according to the California Department of Business Oversight.
  • In 2019, Californians took out 10.2 million payday loans, totaling $4.2 billion in loans, according to the California Department of Business Oversight.

Apply now

If you are considering a payday loan in Somis, California, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we can provide access to multiple lenders in one place. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we do not make credit decisions. It’s important to carefully review the terms and conditions of any loan before accepting it.

F.A.Q.

Can I be charged a higher interest rate or fees if I am a first-time borrower in Somis, California?

in Somis, California, payday lenders are prohibited from charging higher interest rates or fees to first-time borrowers. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of their borrowing history.

Can I be charged a higher interest rate or fees if I am a repeat borrower in Somis, California?

in Somis, California, payday lenders are prohibited from charging higher interest rates or fees to repeat borrowers. All borrowers are entitled to the same maximum interest rate and finance charge, regardless of how many times they have borrowed in the past.

Look for Short-Term Loans in Other Cities:

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