Did you get an unexpected bill that you need to pay for as soon as possible? A payday loan in Costa Mesa, CA, can help, and SBT can help you access them!
What Are Payday Loans and How Can I Use Them?
Payday loans are small, short-term loans with high-interest rates that help people pay for unexpected expenses.
There are no restrictions on what you may use the loan for, but they are helpful for surprise costs like car repairs. You also can use them for emergency medical bills or rent. Costa Mesa, CA payday loans help you get the cash you need when you need it.
What Requirements Do I Need to Meet to Qualify for a Payday Loan?
To be eligible, you must be at least eighteen years old. However, some lenders will not approve loans for anyone below the age of 21.
You will also need to provide the following:
- Government-issued ID
- Proof of income
- Information for an Active Checking Account
Does Costa Mesa, CA Enforce Any Regulations on Payday Loans?
California enforces the following regulations:
- $300 limit per loan
- Borrowers may not take out more than two payday loans at one time
- The term of the loan cannot exceed a maximum of 31 days
- Lenders may not carry out criminal actions against borrowers
- Finance charges and interest must not exceed 15% for every $100 borrowed.
More information about these regulations is available here.
Will the Lender Check My Credit?
In the state of California, lenders will run a credit check. However, lenders rarely make approval decisions on credit history alone and may run a soft credit check instead of a traditional credit check.
A soft credit check usually involves checking the borrower’s credit score and other information but will not detract for poor credit history. Applicants with bad credit or no credit history can gain approval for bad credit Costa Mesa, CA payday loans.
When Will I Receive My Loan?
The disbursement period depends on the lender and how you apply for payday loans in Costa Mesa.
If you apply online, you will likely receive the funds on the next business day via direct deposit.
If you apply early enough on a business day, you may get your money on the same day you submit your application. While the cut-off time for same-day funding varies from lender to lender, it is generally before 10:30 AM.
If you need your funds right away, consider applying for your loan in person at a lending storefront. When you apply at these locations, generally, you can walk away with cash in minutes.
How Does the Application Process Work?
You can apply for a payday loan in a few different ways. You can apply online or in-person at a brick and mortar lending establishment.
At SBT, we keep the application process straightforward with Costa Mesa, California online payday loans. Our network ensures you get the best offers and repayment interest rates.
With our application process, you can expect:
- A secure online application process – it only takes a few minutes!
- Sign a loan agreement directly with your lender
- Same-day or next business day disbursement of funds
- Repayment on the borrowed amount withdrawn directly from your bank account on the date agreed upon in the lender’s contract.
Get Approved for Costa Mesa, CA Payday Loans Today!
At SBT, we leverage our network of hundreds of direct lenders offering payday loans in Costa Mesa to help you find the perfect match. Even for applicants with bad credit, payday loans are possible.
Fill out this short form for online payday loans in Costa Mesa, CA. You also can check our list of local Costa Mesa payday lenders below.
Payday Loan Lenders in Costa Mesa, CA
|Transpacific Currency Services ||2200 Harbor Blvd. #A120, Costa Mesa, CA 92627||(949) 642-2444
|ACE Cash Express||560 W 19Th St, Costa Mesa, CA 92627||(949) 574-7970
|Cashback Loans||370 E. 17th Street, Ste. C, Costa Mesa, CA 92627||(949) 536-7575