Payday Loans in Verdugo City, California

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

Company nameAddressZip codePhone number
California Check Cashing Stores 20500 Hesperian Blvd, Hayward, CA 94541 +1 (510) 732 - 9393
AAA Check Cashing 2953 S Vineyard Ave, Ontario, CA 91761 +1 (909) 923 - 0096
Check 'n Go 9700 Woodman Ave Suite A19, Pacoima, CA 91331 +1 (818) 834 - 4434
Preferred Mortgage Loans 1090 Lincoln Ave 9, San Jose, CA 95125 +1 (408) 998 - 4343
TNL Car Title Loans 9121 Haven Ave Ste 290, Rancho Cucamonga, CA 91730 +1 (909) 303 - 9315
Fast Auto and Payday Loans 4710 E Chapman Ave, Orange, CA 92869 +1 (714) 497 - 1383
California Check Cashing Stores 1800 Prescott Rd, Modesto, CA 95350 +1 (209) 578 - 2727
Check `n Go 1865 Herndon Ave Suite C, Clovis, CA 93611 +1 (559) 322 - 5900
Western Union Fiesta Latino Market, 1611 N St, Firebaugh, CA 93622 +1 (559) 296 - 5131
Alisha Louise Benge Fairway Independent Mortgage Corporation Loan Officer 472 Century Park Dr Suite 100, Yuba City, CA 95991 +1 (530) 933 - 8254

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Verdugo City, CA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Encinitas, CA, No Credit Check Loans in Escondido, CA, Payday Loans in Fair Oaks, CA, Payday Loans in Fairfield, CA, Payday Loan Without a Credit Check in Fallbrook, CA, Payday Loans in Folsom, CA, No Credit Check Loans in Fontana, CA and Payday Loans in Fountain 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 Verdugo City, CA.

Are Payday Loans Legal In Verdugo 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

Verdugo City, CA payday loan calculator

Payday loans are a type of short-term loan that typically comes with high-interest rates and fees. In California, Payday loans are usable and legal. This article will cover everything you need to know about payday loans in Verdugo City, California.

How Payday Loans Work

Payday loans are designed to provide a quick source of cash for those who need it. The process typically involves the borrower writing a post-dated check for the loan amount plus fees, which the lender cashes on the borrower’s next payday. Alternatively, the borrower can authorize the lender to electronically withdraw the funds from their bank account on the due date.

Payday loans are often used by those who have low credit scores or limited access to traditional credit. However, they can be expensive, and it is crucial to understand the terms and fees associated with them before borrowing.

Payday Loans in California

In California, payday loans are legal and regulated by the Department of Business Oversight (DBO). The DBO provides licensing and oversight of payday lenders operating within the state.

The maximum amount of payday loan you can get in California is $300, and the maximum amount lenders can charge is 15% of the loan amount. For example, if you borrow $100, the maximum fee the lender can charge is $15.

Payday loans in California have a term of no more than 31 days and must be paid in full on the due date. Lenders are not allowed to rollover or extend the loan, and there is no cooling-off period between loans.

Benefits of Payday Loans

Payday loans can provide quick access to cash to help cover unexpected expenses or emergencies. They are often easy to obtain, with lenient credit requirements and fast approval times.

For those with low credit scores, a payday loan may be one of the only borrowing options available. Additionally, payday loans can help those without a credit history build credit by providing a record of responsible borrowing.

Risks of Payday Loans

While payday loans may be a useful resource for some, they also come with significant risks. One of the most significant risks of payday loans is the high cost of borrowing. The interest rates and fees associated with payday loans can be exorbitant, making them an expensive option for borrowing.

Another risk of payday loans is the potential for predatory lending practices. Some lenders may prey on vulnerable borrowers by offering loans with high-interest rates and fees that they know the borrower cannot afford to repay.

Apply Now

TheGuaranteedLoans can connect you with reputable lenders who can provide you with the money you need. We have a simple online application process that allows you to apply quickly and easily.

Please note that TheGuaranteedLoans is not a direct lender. We operate as a connector service, connecting borrowers with potential lenders. Our service is free to use, and we do not charge any upfront fees.

Interesting Facts and Statistics

  • In 2019, the average payday loan amount in California was $251.
  • California borrowers take out an average of 10 payday loans per year.
  • In 2019, California payday lenders charged an average fee of 16.2% for each loan.
  • Low-income communities and communities of color are more likely to use payday loans than other groups.

Conclusion

Payday loans can be a helpful resource for those who need quick access to cash, but they come with significant risks. It is crucial to understand the terms and fees associated with payday loans before borrowing. If you need a payday loan, we encourage you to use a reputable lender and only borrow what you can afford to repay.

At TheGuaranteedLoans, we can help you connect with trustworthy lenders who can provide you with the money you need. Apply now to see how we can help you.

F.A.Q.

How do I apply for a payday loan in Verdugo City, California?

To apply for a payday loan in Verdugo City, California, borrowers must visit a lender's physical location and provide proof of income, a valid ID, and a post-dated check or bank account information for loan repayment.

Are there any restrictions on how payday loan funds can be used in Verdugo City, California?

in Verdugo City, California, payday loan funds must be used for personal, family, or household purposes. They cannot be used for business purposes or to pay off another loan.

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