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California Direct Payday Lender Database
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.
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.
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.
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.
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.
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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.
This policy does not apply to any information collected offline or via channels other than this website.
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.
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.
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.
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.
If you have any questions about this Agreement, please contact us at email@example.com