Payday Loans in Yolo, California

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

Company nameAddressZip codePhone number
California Check Cashing Stores 586 Center Ave, Martinez, CA 94553 +1 (925) 370 - 8180
Check Into Cash 1212 Airport Park Blvd Suite C, Ukiah, CA 95482 +1 (707) 462 - 5630
ACE Cash Express 308 W Olive Ave, Porterville, CA 93257 +1 (559) 788 - 6270
California Bank & Trust 20541 Stevens Creek Blvd, Cupertino, CA 95014 +1 (408) 446 - 3600
Auto Discount Repair and Towing 24-Hour Towing 24967 B, CA-108, Mi-Wuk Village, CA 95346 +1 (209) 586 - 1150
Fairway Independent Mortgage Corporation 133 D St Suite F, Suite F, Davis, CA 95616 +1 (530) 847 - 6450
Wil Y Gra Check Cashing 10400 Long Beach Blvd, Lynwood, CA 90262 +1 (323) 563 - 6972
Check Into Cash 23561 S Avalon Blvd, Carson, CA 90745 +1 (310) 816 - 0047
Payday Advance 804 N Ventura Rd, Oxnard, CA 93030 +1 (805) 988 - 4008
TNL Car Title Loans Apple Valley, CA 92308 +1 (760) 513 - 6498

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Yolo, CA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Santee, CA, Payday Loans in Saratoga, CA, Payday Loans in Seaside, CA, Online Loans in Simi Valley, CA, Payday Loan for South Gate, CA, Payday Loans in South San Francisco, CA, Payday Loans in Stanton, CA and Bad Credit Loans in Stockton, 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 Yolo, CA.

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

95697

Are Payday Loans Legal In Yolo, 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

Yolo, CA payday loan calculator

Understanding Payday Loans in Yolo, California

Payday loans are a type of short-term loan that provides people with quick access to cash when they need it most. In Yolo, California, payday loans are legal and regulated under state law. These loans are designed to be an option for people who are facing a financial emergency but may not have the credit history or collateral to qualify for a traditional bank loan.

It’s important to recognize that payday loans come with certain risks and drawbacks. They often carry high-interest rates and fees, which can make them difficult to repay if you’re not careful. It’s essential to approach the decision to use a payday loan with a clear understanding of the costs involved and the potential long-term impact on your financial situation.

How Do Payday Loans Work in Yolo, California?

Payday loan lenders in Yolo, California typically allow borrowers to take out a loan for up to $300, which they must repay within 31 days. The loan amount is generally based on the borrower’s income and ability to repay the loan, rather than on their credit score or collateral. This makes payday loans an option for people who may not have a good credit history or own property that could be used as collateral.

To apply for a payday loan, borrowers must provide identification, proof of income, and a checking account. Some lenders may also require a post-dated check or signed electronic access to the borrower’s bank account. Interest rates on payday loans in California are capped at 15%, which means a borrower who takes out a $300 loan would pay a maximum of $45 in interest.

Benefits and Drawbacks of Payday Loans

Benefits

  • Quick access to cash: Payday loans are designed to be a fast and convenient way to get cash when you need it most.
  • No credit check required: Borrowers can often qualify for a payday loan even if they have a poor credit history or no credit history at all.
  • Easy to qualify: The requirements for obtaining a payday loan are typically less stringent than those for traditional bank loans.

Drawbacks

  • High fees and interest rates: Payday loans often come with high fees and interest rates, which can make it difficult to repay the loan on time.
  • Short repayment period: Borrowers typically have to repay the loan within a few weeks, which can be difficult if they are already struggling to make ends meet.
  • Risk of debt cycle: Borrowers who are unable to repay the loan on time may be trapped in a cycle of debt, as they take out additional loans to pay off the original loan and its fees.

Interesting Facts about Payday Loans in Yolo, California

  • In California, payday loans are limited to $300 and cannot exceed a term of 31 days.
  • Payday lenders in California cannot charge more than 15% interest on loans up to $300.
  • In 2019, California passed a law that capped the interest rate on payday loans between $2,500 and $10,000 at 36%.
  • As of 2018, there were over 2,000 payday lenders in California, with more than 1.3 million payday loans issued in the state each year.

Apply Now for a Payday Loan in Yolo, California

If you’re facing a financial emergency and need quick access to cash, a payday loan may be an option to consider. At TheGuaranteedLoans, we offer a simple and streamlined online application process that can connect you with potential lenders. Just fill out our online application form, and we’ll work to find a lender who may be able to assist you. Remember, payday loans come with risks and should only be used as a last resort. Make sure you approach the decision with a clear understanding of the costs involved.

F.A.Q.

What is the maximum interest rate that a payday lender can charge in Yolo, California?

The maximum interest rate that a payday lender can charge in Yolo, California is 459% APR. This rate is much higher than the rates charged by traditional lenders, such as banks and credit unions.

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

Yes, there are several alternatives to payday loans in Yolo, California that you may want to consider. For example, you can apply for a small personal loan from a bank or credit union, or you can seek help from a nonprofit organization that offers financial counseling and assistance.

Look for Short-Term Loans in Other Cities:

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