Many people just like you are finding that a payday loan in Antioch, CA offers great short-term financial solutions. They are quick and easy. Payday loan lenders ask very little questions and credit scores are not an issue. After meeting certain conditions, you will have your cash in hand to spend on whatever you feel necessary.
Requirements for a Payday Loan in Antioch, CA
1. You must be 18 years old.
Cash advance companies are prohibited by law from entering into loan contracts with minors. If you are a minor, you will not be given a loan.
2. You must have valid identification.
This identification must be some sort of government issued identification, such as a drivers license or state identification card. Most places will require that your address be on this card, so passports are sometimes denied.
3. You must have a job.
You must be employed in a job that is stable and pays regularly. You will be asked to provide a pay stub or some sort of proof that you get a regular check or deposit. The amount of this check will ultimately dictate the amount of your loan. If you only make 100 dollars a week, you will not get a loan for 300 dollars, which is the maximum loan amount in California.
4. You must have a checking account.
When your payday loan in Antioch, CA is approved, you will be asked to write a check in the amount of the loan plus the fee. This check will be cashed in the event you do not pay your loan on its due date. That being said, it is best to contact the lender if you foresee a default. Often, they will work with you on a repayment plan.
Rollovers are illegal in California. These basically allow borrowers to take out a second loan to pay for the first. Other states allow them, however in California, they are not permitted.
Lenders will charge different rates and terms for a cash advance in Antioch, CA. It is important to shop around for the best package for your situation. As far as rates go, however, a lender may not charge more than $17.65 per 100 dollars he lends.
Additionally, these loans are meant for short term purposes; generally to get you to the next pay period. They are often referred to as payday loans. Thus, the maximum time limit for these advances is 31 days. That being said, lenders will offer extended repayment plans if you can not meet the terms.
If you are in need of a payday loan in Antioch, CA, there are plenty of options. Lenders are ready to get you back into the black with a quick and easy cash loan.
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