Payday Loans in California – Only Accurate Details

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    Simple requirements with no minimal credit score. There's no hard credit check required, so even borrowers with bad credit qualify.

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Californian residents face financial problems at every turn. It is normal to have money troubles and to know how to solve the problems is very important. Payday Loans in California may be a solution to any kind of financial emergencies whether it is your car’s repair, covering medical bills or other costs. Even if you are simply short on cash and there are some days until your next payday left, you can count on a payday loan.

Verified lenders in California offer loans with an easy application process. The approval for a payday loan usually takes not more than an hour. It depends on your personal information about income and employment. Right after the approval, the amount of money you applied for will be transferred into your bank account by the next business day.

What Is A California Payday Loan?

It is a small amount of money borrowed from a local lender. The amounts usually differ, and depend on your purposes, your qualifications and state’s law, however, the average loan is between $100-$255. It is designed to assist you in paying for immediate expenses. As a rule, a payday loan in California must be repaid on your next payday.

What are the Terms For California Residents?

You have made up your mind to apply for a loan and now looking for the best option. While searching, some questions about the terms and rates may occur.  It is good to be well informed about all possible pitfalls of the contract and to choose wisely. Being well informed helps to refund the loan on time with no consequences. As a rule, each state has its own laws and restriction regarding payday loans. Here is the basic information you have to know well about payday loans in California:

  1. Your maximum loan amount cannot be more than $255
  2. The term of the loan cannot exceed 31 days
  3. Fee Schedule and APR
  4. Open and valid bank account is required
Minimum Loan Amount 100$
Maximum Loan Amount 255$
Minimum Loan Term 14 days
Maximum Loan Term 31 days
Additional Fees 15% of the total amount
Collateral None
Rollovers Nor allowed
Credit Score Requirements Available for bad credit

Can I apply for a payday loan in California with Bad Credit?

Poor or no credit is not a problem and will not become an obstacle on your way to applying for a payday loan.  Most lenders perfectly understand that different types of customers look for immediate funding and would like to avoid the stress of hard credit check. For such debtors creditors offer soft credit check. However, these advantages always mean that the rates and fees become a little bit different. To be more exact, fees for bad credit score applicants in California get a little higher than for those with high credit scores.

But what exactly means “a little higher”? On average, lenders require 17.65 dollars per each 100 dollars borrowed as a fee. The final picture becomes the following: a debtor borrows $255 and repays $300 on his due date, which means he has to pay $45 over the top of a loan amount to use lender’s services. The size of the fee is set and can’t change throughout the loan.  It may seem quite expensive, however if compared to bank overdraft fees, it is much more affordable.  With an overdraft you can end up paying over $100.

No Credit Check Payday Loans in California

Let’s go back to the process of credit check. How does a lender understand who qualifies for a payday loan in California? Actually, every lender has its own methods of estimation. However, some general information is required: current employment and steady income information, active checking account, you e-mail address and phone number.

California Payday Loan Legal Alternatives

California lending companies offer numerous loan options for instant financing of any urgent expenses. Depending on the loan amount and repayment terms, you can choose the one to your convenience:

FAQ

Can a payday loan in California affect my credit history?

The loan can’t affect your credit score only if you manage to repay the loan on time and in full amount. As far as a payday loan in California is a short-term type of loan, it is not obligatory for a lender to report to credit bureaus about your loan.

What will happen if I don’t repay the loan?

Unfortunately, if you do not follow the terms of the contract it may lead to additional fees, collections calls and ruin your credit score.

How soon can I apply for another loan?

Since a payday loan is a short-term type of loan, which is designed to help you make ends meet, and is not supposed to be a long-term solution, you are welcome to apply for another loan as soon as you need it.  However, these requirements are obligatory:

  • You do not have any past due loans
  • You do not have any loans that are due the next business day

Is it possible to repay a payday loan earlier?

There is a possibility to repay the loan early with no prepayment penalty.  To pay off early you need to contact your lender, if your payment will be performed from your bank account. If you pay with your card, remember that there is a fee. If you are paying with cash, visit your local lender’s store.

I can’t repay my payday loan, what do I need to do?

Contact your lender as soon as possible. If you realize, that you will not be able to refund the loan on time call your lender and he will help you to solve this problem.

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