Payday Loans in Blythe, California
Things happen, and we usually end up in a situation where we have to cover some unexpected costs. Consider applying for a payday advance loan in Blythe, CA, to see if you meet the requirements.
The application process is fast and painless. To be qualified, you have to meet a few general criteria.
What is a Paycheck Advance Loan? What Can It Be Used For?
A cash advance loan is where the borrower will receive a small sum of funds on a short-term contract. This is considered an unsecured loan as no collateral is expected.
When unexpected financial needs come up, for example past due rent or utility costs, car bills, health or vet costs, and so on, people often turn to paycheck advance loans.
Cash Advance Loan Stipulations In Blythe, CA
In Blythe, California, payday advance loan borrowers must meet several requirements to qualify for a loan.
The borrower must:
- Provide proof that they reside in Blythe, California
- Must be 18 years of age
- Receive a steady stream of income that they can prove that's at least $1,000 per month
- Give active contact information including cell phone number and email address
- Provide their SSN
If a borrower does not satisfy the above rules, they will automatically be denied a payday advance loan. Make sure you possess the documentation needed when applying.
Laws and Regulations Regarding Cash Advance Loans in Blythe, California
The State of California has ruled payday lending legal. Although, they have set the below rules and laws for the payday advance lending market:
- An individual lender can't offer a loan for more than $600. Borrowers cannot possess greater than two outstanding loans from different lenders. There is no minimum loan amount.
- There is no minimum loan term, the maximum loan term length is 31 days. In the State of California, borrowers may not rollover their loans.
- The fees and charges are different for each money lender. The service costs charged by lenders on a loan are not considered interest. The service fees apply to every $100 borrowed and can vary from 11% up to 15%.
- An interest rate must be mutually settled upon. APR can be as high as 369%.
Will Cash Advance Lenders in Blythe, CA, Run Credit Checks? What If I Have Poor/No Credit History At All?
Yes, the lenders we partner with will perform a credit check on you, but, even if you have no credit or less than stellar credit, you may still be approved for a loan as long as you can prove that you can pay back the loan. Lenders are commonly unconcerned about your credit history if you offer proof of income and a strategy to repay the loan.
Lenders will conduct a soft credit inquiry, which will have no impact on your credit score. This is simply to get a look at your credit history and general information.
A hard credit pull, on the other hand, must have your explicit consent. These credit inquiries are used for a plethora of purposes, including mortgages, credit cards, and more.
You can still be approved for a cash advance loan with bad credit in Blythe, California, if you can prove you will repay the loan.
Therefore, when you apply, albeit in person or online, make sure that you have your income information ready and any other documents showing that you can pay back the loan. The more evidence you provide, the more likely your loan application will be approved.
When Will I See My Cash in Blythe, California?
When you see your cash really depends on the lender as some lenders offer same-day payday advance loans, which means you will see your paycheck advance loan on the same day you request a loan, as long as you receive an approval.
Most of the time, however, lenders will send the borrower their lump sum on the following business day. Businesses often close for holidays and weekends. So, if you submit your application on a Friday, you might not receive your money until Monday.
If you're looking for a same-day payday advance loan in Blythe, California, you will need to be sure that you're applying by 10:30 am. All same-day payments going out that day will be approved by that time. However, you should apply earlier than that if possible, as it will boost the likelihood that you receive your deposit on the day that you apply.
One additional consideration that you should be aware of is even if the money lender approves your application and posts the deposit to your bank account, sometimes the bank won't release that funds immediately. It's important to let your bank know that you plan to receive a paycheck advance loan, so they could possibly make an exception in releasing the loan earlier.
Overall, it's best to prepare ahead of time to receive your loan on the following business day. That way, you're not surprised if you cannot get it on the same day.
Consider Borrowing From Us
If you have less than great credit or no credit and are searching to secure a cash advance loan, consider applying through us, as you frequently have a higher chance of approval.
We work with over one hundred different lenders who offer their services online. Much of the time you will see your loan on the following business day so ensure that you plan accordingly.
However, you can always locate the nearest payday loan store to you and apply in person to boost the chances of seeing your money on the same day. When submitting an application in person, make sure that you have your government ID or driver's license; a passport will work as well. Infrequently, lenders may ask for proof of address, so bring a utility bill to the store as well.
To locate the nearest paycheck advance loan store, please refer to the list below and search for your city.
Payday Loan Direct Lender Companies in Blythe, CA
Below you will find a list of payday loan companies offering their services in Blythe, California. If you can't find a lender near your location in Blythe, consider applying in a nearby city in California. Alternatively, you can apply online on our website and get a decision almost instantly.
If you can't find a lender near your location in Blythe, consider checking out payday loan lenders in nearby cities. Alternatively, apply online on our website and get an instant decision. If approved, you will get your cash the same or next business day.