Editor's choice: Check Into Cash Payday Loan
- Safe, secure application
- Use the money for any purpose
- Receive funds as soon as next business day
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When you’re struggling to make ends meet and bills are due, it can be frustrating to find yourself still lacking enough money to cover every expense. Payday loans are designed to covered these gaps, but you’ll want to make sure you know the laws in California before you take out a loan in San Diego.
Yes. All payday loans fall under the California Civil Code 1789.30 and California Financial Code 23000. This means you’re able to apply for a payday loan of up to $300 in the city of San Diego. Loan terms last up to 31 days, but be careful: there is no minimum loan term, so you’ll want to confirm when you’ll need to repay your loan before you agree to borrow.
The deferred deposit transaction fee is limited to a maximum of 15% of the check’s value, up to $45. This means the maximum financing charge for a $300 is $45.
When you apply for a loan, be sure to read over your contract and all the fine print. Financing fees aren’t all a lender can charge you, so confirm the total cost of your loan before you agree to a loan.
The process took very little time, and Maggie was approved for a 14-day loan on the spot. Before Maggie signed anything, the lender made it very clear that there would be a charge of $30 on her $200 loan. Maggie had a payday within the term of the loan, so the lender was able to debit the total amount when it was due. All Maggie had to do was budget for the rest of the month and make sure there was $230 in her account on the due date.
Before you apply for a payday loan, make sure you meet the following eligibility criteria: be at least 18 years old, a citizen or permanent resident of the US and have a regular source of income.
When you apply, you’ll need to give lenders some information about yourself. This includes your name, Social Security number, your employer and gross monthly income. If you apply online, lenders usually also require you to give access to your bank checking account so it can deposit your loan and debit the payment when it’s due.
You won’t be able to apply for a new loan unless you’re a returning customer.
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