Payday Loans in Vallecito, California

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

Company nameAddressZip codePhone number
Nix Neighborhood Lending 2934 W Manchester Blvd, Inglewood, CA 90305 +1 (323) 751 - 0409
DolEx Dollar Express 1520 W 6th St STE 102, Corona, CA 92882 +1 (888) 246 - 2527
USA Checks Cashed & Payday Advance 3001 El Cajon Blvd #100, San Diego, CA 92104 +1 (619) 281 - 8840
Montana Capital Car Title Loans 9510 Sepulveda Blvd, North Hills, CA 91343 +1 (818) 446 - 9734
Check Into Cash 1122 N Lemoore Ave, Lemoore, CA 93245 +1 (559) 924 - 4314
Oportun 737 S Workman St, San Fernando, CA 91340 +1 (855) 444 - 7001
Oceanside Car Title Loans Ltd. 1752 Ord Way, Oceanside, CA 92056 +1 (442) 287 - 0988
Big O Check Cashing 7547 Watt Ave # 3, North Highlands, CA 95660 +1 (916) 348 - 7100
5 Star Car Title Loans 2261 E Thompson Blvd, Ventura, CA 93001 +1 (805) 214 - 1721
Payday Advance 12650 Sherman Way, North Hollywood, CA 91602 +1 (818) 255 - 0555

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Vallecito, CA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Adelanto, CA, Payday Loan for Alameda, CA, Payday Loans in Alhambra, CA, Payday Loan for Aliso Viejo, CA, Payday Loans in Altadena, CA, Same Day Loans in Anaheim, CA, Payday Loans in Antelope, CA and Payday Loan for Antioch, 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 Vallecito, CA.

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

95251

Are Payday Loans Legal In Vallecito, 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

Vallecito, CA payday loan calculator

Payday Loans in Vallecito, California: What You Need to Know

Are you in need of immediate cash and considering payday loans in Vallecito, California? While these short-term loans can provide a quick solution to financial troubles, it’s important to be informed about the process, regulations, and risks associated with payday lending.

What Are Payday Loans?

Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. They are designed for individuals who need cash fast and don’t have access to traditional loans or credit.

In Vallecito, California, payday loans are legal and regulated by the state. Under California law, borrowers can receive a loan up to $300 with a maximum term of 31 days. The maximum fee for a $100 payday loan is $17.65, and the annual percentage rate (APR) for a 14-day $100 loan is 460%.

The Payday Loan Process

To obtain a payday loan in Vallecito, California, a borrower must provide proof of income, government-issued identification, and a post-dated check or electronic access to their bank account. The lender will then provide the borrower with cash or deposit the funds directly into their bank account.

On the due date, the borrower must repay the loan in full, including fees and interest. If the borrower is unable to repay the loan, they may be able to extend it for an additional fee.

The Risks of Payday Lending

Payday loans can be risky for borrowers, as they often come with high fees and interest rates. If a borrower is unable to repay the loan on time, they may be subject to additional fees and interest charges, making it difficult to break the cycle of debt.

Additionally, if a borrower fails to repay a payday loan, the lender may take legal action to collect the debt. This can result in wage garnishment, bank account seizures, and damage to the borrower’s credit score.

Interesting Facts and Statistics

  • In California, payday lenders can only charge a maximum fee of $15 per $100 borrowed.
  • The average payday loan borrower takes out eight loans per year, averaging $375 each.
  • According to a study by the Pew Charitable Trusts, 69% of payday loan borrowers use the funds to cover everyday expenses.
  • In 2019, California payday lenders made 10.8 million loans totaling $4.2 billion in value.

Apply Now

If you’re considering a payday loan in Vallecito, California, TheGuaranteedLoans can help. We are a connector service that partners with multiple lenders to help borrowers find the best loan option for their needs.

By filling out our online application, you can be connected with a lender who can provide the cash you need quickly and easily. Remember, we are a connector service and not a direct lender. We do not make credit decisions and have no control over loan terms, fees, or interest rates.

Apply now and get the cash you need today!

F.A.Q.

Can a payday lender charge me a fee for taking out a loan in Vallecito, California?

Yes, a payday lender can charge you a fee for taking out a loan in Vallecito, California. This fee is typically a percentage of the amount borrowed and is added to the total cost of the loan. For example, a lender may charge a $10 fee for every $100 borrowed.

Can a payday lender require me to renew my loan if I am unable to repay it on time in Vallecito, California?

Yes, a payday lender can require you to renew your loan if you are unable to repay it on time in Vallecito, California. This means that you will have to pay additional interest and fees in order to extend the loan for another period of time.

Look for Short-Term Loans in Other Cities:

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