Payday Loans in Waukena, California

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

Company nameAddressZip codePhone number
Provident Payday Loans 1212 El Camino Real # 104, Santa Clara, CA 95050 +1 (408) 244 - 8600
Express Bad Credit Loans Moreno Valley 23834 Sunnymead Boulevard, Moreno Valley, CA 92553 +1 (951) 441 - 2448
Check `n Go 123 N McDowell Blvd, Petaluma, CA 94954 +1 (707) 763 - 0490
Chase Bank 638 Camino De Los Mares Ste F140, San Clemente, CA 92673 +1 (949) 661 - 7480
Verdugo 640 Imperial Ave A, Calexico, CA 92231 +1 (760) 357 - 1432
Usa Business Finance 4055 Wilshire Blvd 311, Los Angeles, CA 90010 +1 (213) 351 - 0001
West Coast Auto Finance 2636 Fulton Ave 200B, Sacramento, CA 95821 +1 (916) 488 - 9378
Grand Funding Inc 159 Live Oak Ave # 201, Arcadia, CA 91006 +1 (626) 446 - 9362
California Check Cashing Stores 1760 Fremont Blvd., Ste H2, Seaside, CA 93955 +1 (831) 899 - 8600
Advance America 10359 Folsom Blvd, Rancho Cordova, CA 95670 +1 (916) 366 - 6388

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waukena, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Redwood City, CA, Payday Loans in Rialto, CA, Payday Loans in Richmond, CA, Payday Loans in Riverside, CA, Same Day Loans in Rocklin, CA, Bad Credit Loans in Rohnert Park, CA, Payday Loans in Rosemead, CA and Guaranteed Loans in Roseville, 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 Waukena, CA.

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

93282

Are Payday Loans Legal In Waukena, 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

Waukena, CA payday loan calculator

Payday Loans in Waukena, California: A Comprehensive Guide

When you have a financial emergency and need quick cash, payday loans can seem like a lifesaver. These short-term loans provide immediate cash to help you cover unexpected expenses, such as a car repair or medical bill.

In California, payday loans are legal, but there are strict regulations in place to protect borrowers. Before taking out a payday loan in Waukena, California, it’s important to understand what these loans are and how they work.

What are payday loans?

Payday loans are short-term loans that usually range from $100 to $1,000. They are meant to be repaid on your next payday, which is why they are called “payday loans.”

These loans are typically easy to obtain because they don’t require a credit check. Instead, lenders usually require borrowers to have a steady source of income, a valid ID, and an active bank account.

What are the pros and cons of payday loans?

Payday loans can provide quick cash when you need it, but they also come with high interest rates and fees. Here are some pros and cons to consider:

Pros:

  • Quick and easy application process
  • No credit check required
  • Cash is available immediately
  • No collateral required

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Can lead to a cycle of debt
  • Not a long-term solution

How do payday loans work in Waukena, California?

In Waukena, California, payday loans are regulated under the California Deferred Deposit Transaction Law. This law sets limits on the amount you can borrow and the fees lenders can charge.

Currently, the maximum amount you can borrow in California is $300, and the maximum fee a lender can charge is 15% of the total loan amount. This means the maximum fee for a $300 payday loan is $45.

In Waukena, California, payday loans can be taken out for a maximum of 31 days. If you are unable to repay the loan on your next payday, you may be able to extend the loan for an additional fee.

How to apply for a payday loan in Waukena, California?

If you decide to apply for a payday loan in Waukena, California, here’s what you need to do:

  1. Find a lender: There are many payday lenders in California, but it’s important to choose a reputable one. Look for lenders that are licensed by the California Department of Business Oversight.
  2. Complete the application: You will need to provide basic information, such as your name, address, and employment details.
  3. Provide documentation: You will need to provide your ID, proof of income, and an active bank account.
  4. Get approved: If you are approved, you will receive the loan amount in your bank account within one business day.
  5. Repay the loan: Remember to repay the loan on your next payday. If you are unable to repay, you may be able to extend the loan for an additional fee.

Interesting facts and statistics about payday loans in Waukena, California

  • According to a 2019 report by the California Department of Business Oversight, Californians took out more than 10 million payday loans in 2018, totaling more than $3 billion.
  • The average payday loan in California is $250.
  • California has some of the strictest payday loan regulations in the country.
  • Only 14% of payday loan borrowers in California earn more than $50,000 per year.

Apply Now

TheGuaranteedLoans is a connector service that can help you find a payday lender in Waukena, California. Fill out our online application to get connected with potential lenders and get the cash you need today.

Remember, payday loans should only be used as a last resort, as they come with high interest rates and fees. Before taking out a payday loan, consider other options, such as borrowing from friends or family, selling items you no longer need, or taking on extra work to earn more money.

F.A.Q.

Are there any alternatives to payday loans in Waukena, California?

Yes, there are several alternatives to payday loans in Waukena, California, such as credit unions, small personal loans, or financial assistance programs.

Can I be sued or have my wages garnished if I default on a payday loan in Waukena, California?

If you default on a payday loan in Waukena, California, the lender may attempt to collect the debt through legal means, such as suing you or garnishing your wages. However, California law protects borrowers from excessive or unfair collection practices.

Look for Short-Term Loans in Other Cities:

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