Online Payday Loans Near Me in El Cajon, CA

Online Payday Loans Near Me in El Cajon, CA

So, do you urgently need a short-term loan in El Cajon? Know that you always have a choice:

  • apply for a loan online (advantages),
  • find a direct lender near you (list).

Payday Loans Online 24/7 [El Cajon]

Apply Online

What are the main benefits?

  • Fast: instant application review and approval in a few minutes.
  • Easy: short form and minimal requirements for the borrower.
  • Anytime: applications accepted 24 hours a day, 7 days a week.
  • Short-term loans: up to $1,000.
  • Installment loans: up to $5,000.
  • Transparent terms: no hidden or additional fees.
  • Safe: personal information is 100% protected (SSL).
  • Any credit score: including no and bad credit history.

Locations served:

  • Postal Codes & ZIP Codes: 92019, 92020, 92021, 92022
  • Area Codes: 619

List of Direct Lenders in El Cajon, California (or nearby)

Company Phone Address ZIP
OneMain Financial +1 619-463-2495 2856 Fletcher Pkwy T & C, El Cajon, CA 92020
5 Star Car Title Loans +1 858-252-1178 1286 Fesler St, El Cajon, CA 92020
5 Star Car Title Loans +1 858-251-6422 727 El Cajon Blvd, El Cajon, CA 92020
ACE Cash Express +1 619-441-9172 1175 Avocado Ave Ste 104, El Cajon, CA 92020
Speedy Cash +1 619-447-4547 380 Broadway Ste 103, El Cajon, CA 92021
Checkmate +1 619-401-1667 1103 Broadway, El Cajon, CA 92021
USA Check Center +1 619-401-8737 1090 E Main St #103, El Cajon, CA 92021
Advance America +1 619-593-8104 534 N 2nd St, El Cajon, CA 92021
Moneytree +1 619-440-8000 303 N 2nd St, El Cajon, CA 92021
California Coast Credit Union +1 858-495-1600 898 Jackman St, El Cajon, CA 92020
Wheelhouse Credit Union +1 619-297-4835 306 Broadway, El Cajon, CA 92021
MyPoint Credit Union +1 858-495-3400 780 Jamacha Rd, El Cajon, CA 92019
ACE Cash Express +1 619-337-2858 7900 El Cajon Blvd Ste H, La Mesa, CA 91942

Basic Information You Need to Know

Short Term Loans in El Cajon, California, USA

Short-term loans can offer quick financial support for residents in El Cajon, California. Understanding the specifics of these loans is crucial for making informed choices.

Loan Terms, Amount, Rates and Fees in El Cajon, CA, USA

In El Cajon, the terms of short-term loans typically range from a few weeks to a few months. The amounts generally vary:

  • Loan Amounts: $100 to $300, depending on the lender and the borrower’s creditworthiness.
  • Interest Rates: Commonly fall between 15% to 30% per payday or per month. Due to the high-risk nature of these loans, APRs can be significantly higher.
  • Fees: Borrowers should expect additional fees, which might include application fees, late payment fees, or administrative fees, often adding to the overall cost of the loan.

Payday Loans Online or Near Me (In Store)

Residents of El Cajon have access to both online and in-store payday loan options:

  • Online Loans: Offer convenience with a quick application process and funds disbursed directly to the borrower’s bank account within 24 hours.
  • In-Store Loans: Provide an opportunity for face-to-face interaction with lenders, which can be beneficial for borrowers seeking personalized assistance or guidance.

This dual availability ensures that individuals can select the option that best suits their needs.

Short-Term Credit Regulatory Authority in El Cajon, California

Short-term loans in El Cajon are regulated at both state and local levels to protect consumers. The California Department of Financial Protection and Innovation (DFPI) oversees lending practices, ensuring compliance with state laws. These regulations set standards for interest rates, loan fees, and disclosure requirements, promoting transparency and fostering responsible borrowing practices among lenders operating within the state.

By understanding these aspects, residents can navigate the short-term loan landscape in El Cajon more effectively.