Payday Loans in Huntington Beach, California
Things happen, and we often end up in a situation where we have to pay for some surprise bills. Think about submitting an application for a payday loan in Huntington Beach, California, to see if you qualify.
The loan application process is fast and effortless. To be eligible, you have to satisfy a couple of straightforward requirements.
What is a Cash Advance Loan? What Can It Be Put Towards?
A payday advance loan is where the borrower will get a small sum of money on a short-term basis. This is deemed to be an unsecured personal loan as no collateral is needed.
When unexpected costs come up, such as past due rent or utility payments, vehicle costs, medical or vet bills, and so forth, people often seek out payday loans.
Payday Loan Criteria In Huntington Beach, California
In Huntington Beach, CA, paycheck advance loan borrowers need to satisfy several requirements to qualify for a loan.
The borrower has to:
- Show proof that they live in Huntington Beach, California
- Must be at least 18
- Have an income that they can prove that's at least $1,000/month
- Provide active contact details like phone number and email address
- Give their social security number
If a borrower does not meet the above criteria, they will immediately be denied a paycheck advance loan. Make sure you possess the documents required when requesting a loan.
Laws and Regulations Regarding Cash Advance Loans in Huntington Beach, CA
California has ruled payday advance lending legal. However, they have created the following rules and laws for the payday advance lending industry:
- An individual money lender can't offer a loan greater than $600. Borrowers may not possess greater than two outstanding loans from different lenders. There is no smallest loan amount.
- There is no minimum loan term, the maximum loan term length is 31 days. In California, borrowers are unable to rollover their loans.
- The fees and charges vary for each loan lender. The service costs enacted by the lender on a cash advance loan are not considered interest. The service fees apply to each $100 loaned and can vary from 11% up to 15%.
- An interest rate is required to be mutually settled upon. APR can be as much as 369%.
Will Cash Advance Lenders in Huntington Beach, CA, Complete Credit Checks? What If I Have Poor/No Credit History At All?
Yes, the lenders we work with will perform a credit check on you, still, even if you possess no credit or less than optimal credit, you might still be approved for a loan provided you can prove that you can pay back the loan. Lenders are commonly unbothered by your credit if you offer proof of income and a plan to pay back the loan.
Lenders will rely on a soft credit check, which will have no impact on your credit score. This is solely to get a feel of your credit history and basic information.
A hard credit check, on the other hand, needs your permission. These credit checks are used for various purposes, such as mortgages, credit card applications, and more.
You might still qualify for a cash advance loan with bad credit in Huntington Beach, California, provided that you can prove you will repay the loan.
So, when you request a loan, whether it is in person or online, make sure that you have your income information at hand and any other documents showing that you can pay back the loan. The more evidence you provide, the more likely you are to be approved.
When Will I Get My Money in Huntington Beach, CA?
When you get your funds really depends on the lender as some lenders offer same-day paycheck advance loans, which means you will receive your payday loan on the same day you request a loan, as long as you're approved.
Much of the time, however, lenders will send the borrower their lump sum on the next business day. Businesses usually close for holidays and weekends. So, if you apply on a Friday, you might not receive your money until Monday.
If you're searching for a same-day cash advance loan in Huntington Beach, CA, you will need to ensure you're applying by 10:30 am. Any and all same-day payments going out that day will be approved by that time. However, you should submit an application earlier than that if able, as it will boost the likelihood that you see your deposit on the same day that you apply.
One additional consideration that you should be aware of is even if the lender grants your loan request and posts the loan to your checking account, occasionally the bank won't release that funds right away. It's important to let your bank know that you plan to get a payday loan, so they could possibly make an exception in releasing the cash earlier.
On the whole, it's wise to prepare ahead of time to get cash on the following business day. That way, you're not left in the lurch if you cannot receive it on the same day.
Consider Borrowing From PaydayLoanRadar
If you possess bad credit or no credit and are wanting to secure a cash advance loan, consider applying through us, as you usually have a better chance of approval.
We partner with over one hundred different lenders who provide their services online. Frequently you will get your funds on the following business day so ensure that you plan correctly.
Although, you can always find the nearest payday loan store to you and apply in person to boost the chances of receiving your funds on the same day. When requesting a loan in person, make sure that you have your government ID or driver's license; a passport will work as well. Occasionally, lenders may request proof of address, so take along a utility bill to the store too.
To find the nearest cash advance loan storefront, please navigate to the list below and search for your city.
Payday Loan Direct Lender Companies in Huntington Beach, CA
Below you will find a list of payday loan companies offering their services in Huntington Beach, California. If you can't find a lender near your location in Huntington Beach, 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 Huntington Beach, 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.