Payday Loans in Santa Cruz, California

Quick Payouts
Request funds even today. We may be able to connect you with a lender to offer you a loan as soon as the next business day.

All Credit Types Welcome
Having less than perfect credit may not prevent you from getting a loan.

Convenience
Avoid long lines and having to get out of the house to connect with a lender. You can fill out our online form from the convenience of your home.

If you live in Santa Cruz, California and need a payday loan, you’ve come to the right place.

People need financial assistance for varied reasons, which range from personal to business needs. For entrepreneurs and business owners in this beautiful city, loan acquisition is not alien. Likewise, if you are a private individual, there are times you need additional monies to handle certain concerns at home. It may be a damaged car or settling utility bills. If for whatever reason you need a loan, you can APPLY on the website.

On our well-designed platform, we establish a connection between lenders and our clients in need of a loan, at no extra cost.

You should not have to go through any problem to access loans, this is why we are here for you.

You only need – fill out a simple form and press the button “Get Started Now”. When a lender approved your application, you can receive your payday loan in Santa Cruz, California same day.

Are Payday Loans legal in Santa Cruz, California?

Payday loans, also known as cash advances, are the fastest way to get money in a pinch. In the state of Santa Cruz, California, payday lending is considered Legal. Maximum Loan Amount in Santa Cruz, California – $300.

Regulations of payday loan in Santa Cruz, California

Interest Rate (APR, %):	460%
Maximum Loan Amount:	$300
Minimum Loan Term:	Not Specified
Maximum Loan Term:	31 days
Number of Rollovers:	0
Finance Charges:	$17.64 per $100.00, 15% of the amount advanced (up to $45)

Requirements to qualify a payday loan in Santa Cruz, California

Requirements to get a payday loan differ by lender, but generally you will need the following to apply:

18 years to 65 years old;
Live in the USA or US territories;
Have an open and active bank account;
Be a US citizen or permanent residency;
Have proof of income;
Working phone number;
Be employed for three months, at least;
Be employed for more than three months for the past 12 months;
Have internet access.

How to get a payday loan in Santa Cruz, California

The process of obtaining a loan is very simple and consists of three main stages:

Fill out the form with your personal details and the desired loan amount;
Check the correctness of filling in the data and press the confirmation button;
Wait for approval from the lender.

If you fill out the form with valid personal data уou can get your money within hours

How many payday loans can you have in Santa Cruz, California?

Each state has its own rules for payday loans. In California, one person is allowed to take out one payday loan at a time and must repay it in full before taking another. Rollovers are not permitted and all renewal fees are considered illegal. Borrowers are also prohibited from taking out one loan to repay another.

How to find a good direct lender In Santa Cruz, California

If you want to find a good lender in Santa Cruz, California – ask as many questions as you can. For example, you should know the loan interest rate, the loan fees, and also you should be aware of the payday loans company. Moreover, you need to check the license of the company.

Do payday loans affect your credit?

Payday loans in Santa Cruz, California generally are not reported to the three major national credit reporting companies, so they are unlikely to impact your credit scores. If you do not repay a payday loan, it is possible that your file will go into the collections process and a debt collector may report your debt to the major national credit bureaus. This is really the only time that payday loans will impact your credit score. If you get a payday loan and repay it on time, you will never have a problem.

Do payday loans require a credit check in Santa Cruz, California?

Payday lenders have few requirements for approval. Most don’t run a credit check or even require that the borrower has the means to repay the loan. All you typically need is identification, a bank account in relatively good standing and a steady paycheck.

What credit score do you need to get a payday loan in Santa Cruz, California?

Your credit score does not affect the loan. Payday lenders often do not check your traditional credit score. If you’ve stumbled along the way financially or you haven’t yet built a credit history, you could still qualify for a payday loan.

FAQ

Can you go to jail for unpaid payday loans in Santa Cruz, California?

In the United States, an individual cannot be arrested or sent to jail for failure to pay a payday loan. This may be a surprise to many people who think that a payday loan is a loan of money that a person can get from a person, a bank, a credit union, a trusted company, or another financial institution. In reality, the payday loan is a small amount of money, usually around $300, that is lent to someone who needs money for a short period of time. A creditor may pursue collection of a debt through the civil courts in the United States, however, debtors cannot be prosecuted in criminal court for not paying a debt.

How old do you have to be to take out a loan in Santa Cruz, California?

In the U.S., you absolutely have to be 18 years old in order to legally sign a loan contract. Up until you turn 18, you’re considered a minor by law and can’t enter into a contractual agreement with a lender.

What is the maximum interest rate allowed by law in Santa Cruz, California?

Santa Cruz, California law, as in most other states, limits the amount of interest a creditor can charge. The maximum interest rate allowed by law in Indiana is 10%

Can I apply for a payday loan in Santa Cruz, California online?

Yes, you can get a payday loan by applying online using the application form on our website. Payday loans are a quick way to get cash in a pinch, especially when you need it fast and don’t want to hassle with an in-person application or a complicated loan process. The application process for payday in Santa Cruz, California loans is short and easy: just answer a few questions and you’ll be on your way to getting cash within a few hours. Most lenders will only accept same-day applications, so you won’t have to wait for a few days to get paid.