Payday Loans in Universal City, California

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

Company nameAddressZip codePhone number
Check Cash Loans 24325 Main St #305, Santa Clarita, CA 91321 +1 (661) 344 - 4239
Quick Cash Funding LLC 621 Tully Rd #217, San Jose, CA 95111 +1 (408) 293 - 5600
Check `n Go 3341 Deer Valley Rd, Antioch, CA 94531 +1 (925) 753 - 1900
Bismarck Industries, Inc. - Title Loans 244 Market St, Port Hueneme, CA 93041 +1 (805) 509 - 8582
Bank of America with Drive-thru ATM 1407 Main St, Ramona, CA 92065 +1 (760) 788 - 8218
Raymond James Financial Services 6707 Clark Rd, Paradise, CA 95969 +1 (530) 872 - 9400
Check `n Go 25060 Hancock Ave Suite 105, Murrieta, CA 92562 +1 (951) 696 - 7349
Western Union Check Cashing, 1855 Willow Pass Rd Ste B, Concord, CA 94520 +1 (925) 682 - 6201
Fast Auto Loans, Inc. 98 Broadway, Chula Vista, CA 91910 +1 (619) 754 - 4268
Umpqua Bank 1395 E 2nd St, Benicia, CA 94510 +1 (707) 751 - 2480

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Universal City, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Tulare, CA, Payday Loans in Turlock, CA, Payday Loans in Tustin, CA, Payday Loans in Union City, CA, Short-term Loans in Upland, CA, Guaranteed Loans in Vacaville, CA, 24-Hour Loan in Vallejo, CA and Payday Loans in Ventura, 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 Universal City, CA.

Beautiful sights of Universal City, CA

Are Payday Loans Legal In Universal City, 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

Universal City, CA payday loan calculator

Understanding Payday Loans in Universal City, California

Payday loans are a type of short-term loan that provides immediate cash to borrowers who need it. Payday loans are a legal lending option in the state of California, including Universal City. If you are considering taking out a payday loan in Universal City, it is important to know the basics of this type of lending and how it works in California.

How Payday Loans Work in California

Payday loans in California are regulated by the Department of Business Oversight (DBO). The DBO requires lenders to adhere to certain rules and regulations to protect consumers. For example, lenders must not charge more than 15% in interest and fees for a loan of $100 or less. Additionally, the repayment period for a payday loan in California must be between 8 and 31 days.

To apply for a payday loan in Universal City, California, you must provide proof of income, identification, and a valid checking account. Once you are approved for a loan, the funds will be deposited into your checking account and will be due for repayment on your next payday.

The Pros and Cons of Payday Loans in Universal City, California

Like any lending product, payday loans come with advantages and disadvantages. Here are some of the pros and cons of payday loans in Universal City, California:

Pros:

  • Quick access to cash: Payday loans can provide borrowers with quick access to cash when they need it most.
  • No credit check required: Payday loans do not typically require a credit check, which can be helpful for borrowers with poor credit.
  • Short-term commitment: Payday loans are typically repaid within a few weeks, which can be appealing to borrowers who do not want to be tied down to a long-term loan.

Cons:

  • High interest rates and fees: Payday loans can come with high interest rates and fees, often causing borrowers to pay back much more than they originally borrowed.
  • Risk of debt cycle: Because payday loans are due for repayment on the borrower’s next payday, borrowers may find themselves stuck in a cycle of borrowing and repaying.
  • Not a long-term financial solution: Payday loans are intended to provide short-term financial relief and should not be relied upon as a long-term financial solution.

Interesting Facts and Statistics About Payday Loans in Universal City, California

  • According to a study by the Pew Charitable Trusts, 12 million Americans take out payday loans each year, spending an average of $520 in fees to borrow an average of $375.
  • In California, the maximum loan amount for a single payday loan is $300.
  • The average annual percentage rate (APR) for payday loans in California is 372%, much higher than the national average of 400%.

Apply Now for a Payday Loan in Universal City, California

If you are in need of quick cash in Universal City, California, TheGuaranteedLoans can help. Our quick and easy online application process can connect you with potential lenders in minutes. Remember, TheGuaranteedLoans is a connector service, not a direct lender. We will work to connect you with a lender who meets your needs and can provide the funds you need to get through a financial emergency. Fill out our online application now to get started!

F.A.Q.

Can a payday lender report my loan to a credit bureau in Universal City, California?

Yes, a payday lender can report your loan to a credit bureau in Universal City, California if you fail to repay your loan on time. This can negatively impact your credit score and make it more difficult to borrow money in the future.

Can a payday lender charge me a penalty for repaying my loan early in Universal City, California?

No, a payday lender cannot charge you a penalty for repaying your loan early in Universal City, California. In fact, it is generally in your best interest to repay your loan as quickly as possible to save on interest and fees.

Look for Short-Term Loans in Other Cities:

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