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Payday Loans in Temecula, CA

Payday Loans in Temecula, CA

Financial problems always come without permission. Few of us can predict or avoid overexpenditure, but each of us can take urgent measures to plug the hole in the budget. Payday loans Temecula allow doing it quickly and with minimum hassle.

A payday loan is a fast unsecured loan, which is provided at interest for a short term (up to 31 days or until you get your next paycheck). Thanks to their availability, the companies, providing payday loans, such as Check N Go Temecula are gaining popularity.

What You Need to Know to Get a Payday Loan in Temecula

All payday loans Temecula CA are regulated by the state law. First and foremost, one needs to know that California State officially allows loans of this type. Here are the main points to consider:

  • the minimum loan size is $30, the maximum amount is not specified;
  • the finance charge for a $30 loan can’t exceed $1 from every $5;
  • the maximum APR for a $100 loan is close to 400%;
  • the maximum loan term is 31 days.

Though the loan amount is not limited, never take more than you really need. Keep in mind that you’ll have to return the loan in a lump sum.

Payday Loan Term and Conditions in Temecula

No matter what type of payday advance Temecula you apply for, you should always read the terms and conditions of the loan agreement. Apart from the basic rules that have already been mentioned above, you can come across the following conditions:

  • the maximum loan amount must not be higher than 25% of the borrower’s monthly income;
  • the loan cost can vary, but on average, it is 15% from every $100;
  • if you are unable to repay the loan on a due day, you can request for the extension. The maximum term of the extensions can’t exceed 60 days.

Keep in mind that different lenders can have slightly different terms. That is why don’t be lazy to inspect the loan agreement every time you apply for a payday loan Temecula.

Are Payday Loans Legal in Temecula CA?

Yes, they are. California State officially allows fast loans of different kinds. Look for licensed lenders, as having a license is mandatory for providing financial services of this type. According to California laws, payday loans are provided to adult people (18 years and above). Also, you need to be employed for at least three months and have a stable income of at least $1000 per month. All the payday loans Temecula are regulated by the state authorities.

What is the Minimum and the Maximum Size of a Payday Loan Temecula?

The minimum loan size in Temecula CA is 30 dollars. The upper limit is not specified on the legislative level. However, you can’t get more than 25% of your monthly salary. For example, you earn $2000 per month. It means that the maximum sum you are eligible for is $500. Besides, various lenders providing payday loans Temecula CA can have their own limits.

What Requirements Should the Borrowers Meet?

While the requirements to borrows can vary from one lending company to another, there are some essential criteria, which all customers must comply with. Here are the basic conditions for getting payday loans Temecula:

  • you are a citizen of the USA;
  • you are a resident of California State;
  • you are 18 or older;
  • you are employed or have another proved source of regular income;
  • your monthly income is $1000 (after paying taxes) or more;
  • your job tenure is at least 90 days.

Also, keep in mind that you need to specify your real saving/crediting account number, valid e-mail, and valid phone number. Without this information, the lender won’t be able to contact you and credit the funds in your account.

How to Apply

Applying for a cash advance Temecula online is pretty straightforward. A prospect borrower has to enter his or her personal data (name, date of birth, SSN, e-mail, phone number, etc.) in a special online form. Also, he/she needs to specify the income source and information about the employer. Fill the form, double-check all the fields, and submit the application. Commonly, it is approved within 15 minutes. After the approval, you need to confirm the application and wait for the funds being credited in your account. Normally, it takes no more than 24 hours.

Bad Credit Payday Loans Temecula – How to Get

If you’ve ever tried to get a conventional bank loan, you must know that banks always check borrowers’ credit score. If your credit score is low or bad, the chance for getting the approval is minimal. When it comes to getting payday advance Temecula CA, the situation is different, as lending companies practice a soft credit check. They rely on the information about your real monthly income rather than your credit history or credit score. It means that you can get a payday loan Temecula even if your credit score is far from being high.

Why Choose Us

Payday loans are provided by many lending companies, including well-known operators, such as Advance America Temecula. By using our services, you get the following benefits:

  • We collaborate only with licensed and trusted lenders.
  • The time of approval is minimal.
  • Bad credit is not a problem.
  • We offer a simple online form, which is easy to fill.
  • Online applications are accepted 24/7/365.

Apply right on-the-go without the need for visiting a lender’s office and get your cash within 24 hours.

To Sum It Up: 5 Simple Steps

  1. Choose the type, size, and term of payday loan Temecula.
  2. Fill a simple application form.
  3. Wait for the approval.
  4. Confirm the application.
  5. Get your money and enjoy!

Frequently Asked Questions:

What is a cash advance loan?

A payday loan and cash advance Temecula are the two names of one financial product. This is a small short-term loan. It is provided at interest for the term of 14-31 days and must be repaid in a lump sum.

Are payday loans legal?

It depends on your location, as the legislation varies from one state to another. For example, in California State, the loans are allowed. It means you can get check cashing Temecula loans without any hassle.

Conclusion

Though we can’t prevent some unexpected financial troubles, we can take timely measure aimed at their fast solution. A payday loan in Temecula CA is the simplest way to plug the budget hole and cover urgent expenditures. They require minimum paperwork, and your credit score doesn’t matter. Make a simple application now and get the needed sum within one working day.

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