Payday Loans in Zamora, California

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

Company nameAddressZip codePhone number
Advance America 26423 Ynez Rd, Temecula, CA 92591 +1 (951) 296 - 2250
Loan Link Financial Services 850 Hampshire Rd, Westlake Village, CA 91361 +1 (805) 496 - 3100
Check `n Go 39481 Fremont Blvd, Fremont, CA 94538 +1 (510) 445 - 1500
Speedy Cash 7855 Van Nuys Blvd, Panorama City, CA 91402 +1 (818) 787 - 1990
California Bank & Trust 2775 Via De La Valle, Del Mar, CA 92014 +1 (858) 792 - 4770
Valley Oak Credit Union 40870 Sierra Dr 9696, Three Rivers, CA 93271 +1 (559) 561 - 4471
Westamerica Bank 834 Sir Francis Drake Blvd, San Anselmo, CA 94960 +1 (415) 721 - 1169
U.S. Bank Branch 780 E St, Williams, CA 95987 +1 (530) 473 - 5311
IMPERIAL VALLEY AUTO LOANS INC-CAR TITLE LOANS 710 Main St Suite B, El Centro, CA 92243 +1 (760) 352 - 5111
Title Loans Express 10165 E Foothill Blvd #101, Rancho Cucamonga, CA 91730 +1 (909) 509 - 5411

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Zamora, CA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Azusa, CA, No Credit Check Loans in Bakersfield, CA, Payday Loans in Baldwin Park, CA, Payday Loan Companies in Banning, CA, Payday Loans in Beaumont, CA, Payday Loan Companies in Bell, CA, No Credit Check Loans in Bell Gardens, CA and 24-Hour Loan in Bellflower, 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 Zamora, CA.

Are Payday Loans Legal In Zamora, 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

Zamora, CA payday loan calculator

Payday loans in Zamora, California have become increasingly popular over the years, especially among low-income earners and those with a bad credit score. A payday loan, also known as a cash advance, is a short-term loan that is typically due on the borrower’s next payday.

The Legality of Payday Loans in California

Payday loans are legal in California. The California Department of Business Oversight regulates payday lenders, ensuring they adhere to the state’s lending laws and regulations. These regulations provide consumer protection, although some lenders find ways to skirt the rules.

How Do Payday Loans Work in Zamora, California?

In Zamora, California, payday loans are easy to apply for, with most lenders offering an online application process that takes just a few minutes to complete. Once the application is submitted, approval is usually given within a few hours, and the funds are typically deposited into the borrower’s bank account the next business day.

The amount borrowed is typically between $100 and $1,000, and the loan term is usually 2-4 weeks, depending on when your next paycheck comes in. Payday loans incur high-interest rates, typically ranging from 300% to 700% APR. However, lenders in California are limited to charging a maximum loan fee of 15% of the loan amount, up to a maximum of $45. In addition, California law requires that lenders provide written agreements that state the total amount borrowed, the maximum fee, and the annual percentage rate charged.

The Risks of Payday Loans in Zamora, California

While payday loans may seem like an easy solution for short-term financial needs, they come with inherent risks. Due to their high-interest rates, payday loans can quickly spiral out of control, leading to a cycle of debt that can be difficult to break. Lenders often target low-income borrowers who cannot afford to repay the loans, leading to persistent indebtedness.

In addition, many lenders engage in predatory practices, such as charging hidden fees, tricking borrowers into taking out larger loans, or threatening legal action when borrowers are unable to repay the loan.

Statistics About Payday Loans in Zamora, California

– In 2019, the average payday loan in California was $250.
– California has over 2,000 payday lending locations.
– 60% of payday loan borrowers in California earn less than $40,000 per year.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that works with a network of verified lenders in Zamora, California. If you’re in need of a payday loan, simply fill out our online application form, and we’ll connect you with suitable lenders in your area. We ensure borrowers’ information is kept confidential and only share it with lenders who meet our strict verification standards.

Remember, before taking out a payday loan, make sure you can afford to repay it on time. If you’re struggling with payday loan debt, seek help from a financial counselor or non-profit credit counseling agency.

F.A.Q.

Can a payday lender require me to take out credit insurance in order to take out a loan in Zamora, California?

No, a payday lender cannot require you to take out credit insurance in order to take out a loan in Zamora, California. This type of insurance is optional and the decision to purchase it is up to the borrower.

Can a payday lender require me to sign a contract in order to take out a loan in Zamora, California?

Yes, a payday lender can require you to sign a contract in order to take out a loan in Zamora, California. This contract will outline the terms of the loan, including the interest rate, fees, repayment schedule, and other important details.

Look for Short-Term Loans in Other Cities:

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