Payday Loans California

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Frequently asked payday loan advance questions and answers:

WHAT IS A PAYDAY LOAN?
A cash advance is a short-term loan between paydays where the funds are electronically deposited to your checking account.

HOW CAN I GET A PAYDAY ADVANCE?
Complete an on-line application agreement.

HOW MUCH CAN I BORROW?
$50.00 to $255.00, depending upon your income.

HOW WILL I KNOW IF I AM APPROVED OR DECLINED?
You will receive an E-mail advising you of the status of your application, advance amount, ETA of funds to your account and repayment date.

HOW MUCH DOES A PAYDAY CASH ADVANCE COST?

ANNUAL PERCENTAGE RATE (APR) CALCULATION

Finance Charge/Amount Financed/Number of Loan Days x 365 (days in a year) x 100 (for conversion to percentage rate) = APR


Amount Financed

Finance Charge

Amount of Check

14-Day APR

30-Day APR

$ 50.00

$ 8.83

$58.83

460.42%

214.86%

$ 75.00

$13.24

$ 88.24

460.25%

214.78%

$100.00

$17.65

$117.65

460.16%

214.74%

$125.00

$22.07

$147.07

460.32%

214.81%

$150.00

$26.48

$176.48

460.25%

214.78%

$175.00

$30.89

$205.89

460.20%

214.76%

$200.00

$35.30

$235.30

460.16%

214.74%

$225.00

$39.71

$264.71

460.13%

214.73%

$250.00

$44.12

$294.12

460.12%

214.72%



HOW LONG DOES IT TAKE?
Most advances approved before 3 PM PST will receive there advance the next business day.
SEE: SAMPLE CHART - exact availability of funds are subject to bank schedules, policies, and bank holidays.

Funds Availability

 Day of
Approval by 3 PM
PST (Pacific Standard Time)

Mon.

Tues.

Wed

Thurs.

Fri.

Mon.

-

X

-

-

-

Tues.

-

-

X

-

-

Wed

-

-

-

X

-

Thurs.

-

-

-

-

X

Fri.

X

-

-

-

-

Sat Sun

-

X

-

-

-

Day of Approval by 6 PM
PST (Pacific Standard Time)

* This sites services may change from time to time without notice.

HOW SOON DO I HAVE TO PAY IT BACK?
Approximately two weeks or your next payday. Please enter your exact paydays accurately on the application.

DO I HAVE TO PAY THE WHOLE AMOUNT?
Yes. You do not have to wait till your next payday.

 



Note: A short term advance provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit counseling service in your community.

  


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