Contact Info & Site Terms

Feel free to reach out to us if you have any questions or concerns regarding our Website.
 
**Affiliate Link Disclosure**
The directory of lenders shown on this site contains affiliate links. This means we may receive compensation if you click through to a lender that’s listed in our database. Not all outbound links listed in our directory are affiliate links, but some are.

 
California Direct Payday Lender Database
info@calpaydayloans.com
800-910-7320

 
 
Calpaydayloans.com Site Disclosures:
 

These disclosures are provided to you for your information and should never be considered legal advice. Calpaydayloans.com is here to provide the most responsible and up to date info regarding payday lenders and installment lenders in California. Our emphasis is to provide California consumers with information on California lenders and resources. This way our visitors can better make a more informed decision regarding payday loan/installment loan related issues. Calpaydayloans.com is in no way a direct lender or matching service. Since we aren’t a direct payday lender we have no access or information regarding the full terms of your specific loan that you may take out with a company listed on out site.

One of the benefits of our website is our database of direct lenders in California. Our database will usually list only payday lenders or installment lenders. However, there may be times when we list additional products or services that may be a benefit to you the consumer. Direct Payday loans or direct installment loans can also be termed as a cash advance, fast cash loan, payday anticipation loan, faxless instant loan, etc… The various lenders listed in our database will usually offer rates and terms of anywhere from a few weeks to 5 years. For the most part these terms and rules will depend on which state you reside in even though the site is geared to California residents. Be sure to check your respective state rules and regulations before you move forward with any payday loan. Keep in mind, these types of direct loans should never be taken out as a situation where you don’t need cash now, not to mention if you have credit concerns. The types of loans listed on our site should only be used as a final last chance option in order to deal with a serious financial issue.

Most companies listed in our list of direct lenders will offer a payday loan or installment loan for up to $5000. Not all the companies listed on our site are direct lenders. They also may not be able to provide up to $5000. At calpaydayloans.com we take no responsibility for any details, info, or documentation you provide to a company that may be listed in our database of lenders.

This website is 100% free to view and access. The owner/operator of the website you’re viewing and database of lenders is not a registered agent, representative of a direct lender and does not endorse or intend to charge you for any service or product listed on our site. The state of California is expressly listed as the only state that should be serviced by our website. The list of direct lenders listed on our site will change from time to time and without notice. Payday loans and installment loans are not available in all states. Even though we only market this site to users in California we understand their may be spillover viewers from other states. With that being said, this service and list of lenders does not constitute any type of offer or specific solicitation for payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Ohio, Pennsylvania, Virginia, or West Virginia. Once a consumer is approved for a loan from a direct lender that lender will usually initiate a cash transfer within 48 hours, unless it happens to be a weekend or a holiday.

Credit Information:
Most lenders will generally not perform a credit check with the three large credit reporting bureaus: Equifax, Experian, TransUnion. Be sure to check with your lender and read the fine print before you consent to any type of credit check or verification that may be asked of you. Sometimes a lender may perform a credit check or consumer report through alternative providers such as Chexsystems, Teletrack or DP Bureau. You should not attempt to qualify for a payday loan or installment loan if you have similar types of loans outstanding. Remember, we can not provide you with any information regarding your loan. Please contact your lender directly if you have questions or concerns regarding your payday loan or installment loan.

APR Information:
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest. Every state mandates that a lender must show you the loan APR before you enter into a loan agreement. Specific APRs will vary from 33%-800% for payday loans & installment loans. Each state has specific rules and regulations which limit the APR a lender can legally charge you. Be sure to do your due diligence when applying for a loan. Make sure the lender gives you’re the exact terms (including APR) before you enter into a loan agreement.

Financial Information Regarding Late Payments:
All lenders have their own policy when it comes to late payments. This policy may include additional fees and interest. Quite often a late payment will result in a lender reporting to the credit reporting bureaus causing your credit score to fall. Before you sign off on a payday loan or installment loan make sure you have read and fully understand the ramifications of making a late payment. Much like the APR information listed above all states have specific rules and regulations regarding late payments.

Information Regarding Non-Payment & Lender Collection Practices:
If you fail to make your loan payments you may end up being responsible for additional fees, interest, and collection costs. These terms should always be disclosed in your loan contract. Non-payment will usually lower your credit score. Federal law requires lenders and third party collection agencies to use fair practices in their collection actions for any loan that has yet to be repaid. As a debtor in the United States, you’re protected by the Fair Debts Collection Practices Act. This Act specifically limits how a lender or a third party can collect on an unpaid balance. For example you have the right to:
– Not be contacted by phone anytime before 8 am or after 9 pm.
– Not be harassed or have abusive language used towards you over the phone.
– Not be deceived by a collector that’s trying to collect money from you.
– Not be threatened with legal action if it is not permitted.

Renewal Policy:
All lenders listed in our database have their own renewal policies. Also, each state has specific rules and regulations regarding how long and how often a loan can be renewed. Some lenders may automatically renew your loan or they may require your permission to renew your loan. If you renew a loan the repayment period for that loan will likely result in additional fees, as well as increased interest. If you incur fees or if your interest rises you will see a large increase in the total amount you owe on the loan. Before you sign off on a loan be sure to check with your lender to see if they automatically renew loans or if they require your permission to renew the loan.

 
Privacy Policy: Last Updated 2/22/2017

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at info@calpaydayloans.com

At www.calpaydayloans.com we consider the privacy of our visitors to be extremely important. This privacy policy document describes in detail the types of personal information is collected and recorded by www.calpaydayloans.com and how we use it.

Log Files
Like many other Web sites, www.calpaydayloans.com makes use of log files. These files merely logs visitors to the site – usually a standard procedure for hosting companies and a part of hosting services’s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
www.calpaydayloans.com uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie

→ Google, as a third party vendor, uses cookies to serve ads on www.calpaydayloans.com.

→ Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to www.calpaydayloans.com and other sites on the Internet.

→ Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

Our Advertising Partners

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include …….

  • Commission Junction
  • Google
  • Bing Adwords

You may consult this listing to find the privacy policy for each of the advertising partners of www.calpaydayloans.com.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on www.calpaydayloans.com and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site’s third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

www.calpaydayloans.com has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. Calpaydayloans privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options.

Children’s Information
We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity.
www.calpaydayloans.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that www.calpaydayloans.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.

Online Privacy Policy Only

This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there.
This policy does not apply to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our privacy policy and agree to its terms.

Update
This Privacy Policy was last updated on: February 22nd 2017.

Should we update, amend or make any changes to our privacy policy, those changes will be posted here.
 

California Direct Payday Lenders Terms of Service (“Agreement”)

This Agreement was last modified on February 22nd, 2017.

Please read these Terms of Service (“Agreement”, “Terms of Service”) carefully before using http://www.calpaydayloans.com (“the Site”) operated by California Direct Payday Lender Database(“us”, “we”, or “our”). This Agreement sets forth the legally binding terms and conditions for your use of the Site at http://www.calpaydayloans.com.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.

Intellectual Property
The Site and its original content, features and functionality are owned by California Direct Payday Lender Database and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

Termination
We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Affiliate Links To Other Sites
Our Site may contain affiliate links to third-party sites that are not owned or controlled by California Direct Payday Lender Database.

California Direct Payday Lender Database has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Governing Law
This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of California, United States, without giving effect to any principles of conflicts of law.

Changes To This Agreement
We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

Contact Us
If you have any questions about this Agreement, please contact us at info@calpaydayloans.com