Payday Loans in West Sacramento, California

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Payday Loan Companies in West Sacramento, CA

Company nameAddressZip codePhone number
Advance America 900 Jefferson Blvd Ste. 120 95691 +1 (916) 371 - 8120
Capital City Loan & Jewelry 3045 W Capitol Ave 95691 +1 (916) 281 - 2274
Check Into Cash 809 Harbor Blvd 95691 +1 (916) 371 - 2146
Fast Money Car Title Loans 1925 W Capitol Ave 95691 +1 (916) 246 - 0322
Montana Capital Car Title Loans 857 Jefferson Blvd 95691 +1 (916) 245 - 8587
X Press Check Cashing 964 Sacramento Ave 95605 +1 (916) 372 - 0293

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in West Sacramento, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Westminster, CA, Guaranteed Loans in Whittier, CA, Payday Loans in Wildomar, CA, Payday Loans in Woodland, CA, Emergency Loan in Yorba Linda, CA, Guaranteed Loans in Yuba City, CA, Same Day Loans in Yucaipa, CA and Payday Loans in Adelanto, 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 West Sacramento, CA.

Beautiful sights of West Sacramento, CA

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

95798, 95605, 95799, 95691

Are Payday Loans Legal In West Sacramento, 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

West Sacramento, CA payday loan calculator

Payday Loans in West Sacramento, California: What to Know

West Sacramento, California, is one of the most progressive cities in California and a great place to live and work. With the city’s robust economy, there are numerous opportunities to find success. Unfortunately, even in thriving economies like West Sacramento, people come across unexpected financial shortfalls. When this happens, a payday loan may provide the cash infusion needed to get through difficult times.

What Are Payday Loans?
Payday loans are short-term, unsecured loans which provide individuals with quick access to cash. A lender typically provides a loan in exchange for a borrower’s postdated check for the original loan amount plus any applicable fees and interest. The borrower then repays the loan with the next paycheck or other source of income.

Benefits of Payday Loans

Payday loans are an excellent resource for individuals who need quick access to cash in West Sacramento, California. The following are a few key benefits of payday loans:

  • Speedy access to cash – Most payday lenders can provide the funds within 24 hours.
  • Easy application process – Payday loan applications are simple and straightforward and require minimal paperwork.
  • Credit score not considered – Most lenders do not consider a borrower’s credit score when making a decision regarding a payday loan.

Drawbacks of Payday Loans

Payday loans have some drawbacks, including the following:

  • High fees and interest rates – Payday lenders typically charge higher interest and fees than banks or other traditional lenders.
  • Loan rollover – If a borrower is unable to repay the loan by the due date, the borrower has the option to rollover the loan. However, this action can result in even higher fees and interest rates.
  • Debt spiral – Without adequate income to support payment of the loan in full, borrowers typically take out another loan to cover the previous loan amount. This can result in an endless cycle of debt.

Payday Loans and the Law in West Sacramento, California

Payday loans are legal in California, and payday lenders must abide by the rules and regulations set forth by the Department of Business Oversight. The maximum amount of a loan is $300, and lenders can charge a maximum fee of 15%. The maximum APR (Annual Percentage Rate) is 460%. Additionally, borrowers who take out a payday loan are allowed to extend the loan twice.

It is important to note that all payday lenders must be licensed and regulated by the Department of Business Oversight. A borrower can check to make sure the lender is licensed by visiting the department’s website.

Are Payday Loans Right for You?

Payday loans can be a helpful resource for individuals who need quick access to cash. However, it is important for borrowers to be fully aware of the terms and conditions of a loan before signing any papers.

F.A.Q.

  • Do I have to have a bank account?
    Yes, you will need a bank account to receive the loan funds.
  • Can I still get a payday loan if I have bad credit?
    Yes, payday lenders generally do not consider credit scores when deciding whether to offer a loan.
  • How much can I borrow?
    The maximum loan amount is $300 and the maximum fee is 15%.
  • What happens if I am unable to repay the loan?
    If you are having difficulty repaying a loan, you can contact the lender to discuss options, such as rolling the loan over. However, this could result in an even higher fees and interest rates.

Apply Now

If you are facing financial hardship and need access to quick cash, you may want to consider a payday loan. At TheGuaranteedLoans, we understand the need for a money infusion and will connect you with lenders who can provide the fast cash you need. We are not a lender, so the application process is fast, easy, and free!

Get started today by filling out the application on our website. We will connect you with lenders in West Sacramento, California, and help you find the loan that works best for you.

More F.A.Q.

Can I get a payday loan in West Sacramento, California if I have filed for bankruptcy in the past?

Yes, you can get a payday loan in West Sacramento, California if you have filed for bankruptcy in the past. However, you may be charged higher fees and interest rates if you have a low credit score or if you are considered a high-risk borrower.

Can a payday lender in West Sacramento, California require me to provide a postdated check or authorize automatic debit from my bank account as a condition of obtaining the loan?

Yes, payday lenders in West Sacramento, California are allowed to require you to provide a postdated check or authorize automatic debit from your bank account as a condition of obtaining the loan. This is a common practice among payday lenders, as it allows them to automatically collect the loan when it is due.

How Many Cash Advance Companies are in West Sacramento, CA?

With the help of our service, you will be able to find 6 cash advance companies in West Sacramento, CA

What Cash Advance Companies in West Sacramento, CA are the most popular?

You should check Advance America, Capital City Loan & Jewelry, and Check Into Cash. Also, you can start your application online on our website.

Look for Short-Term Loans in Other Cities:

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