Online Payday Loans Near Me in Oxnard, CA

So, do you urgently need a short-term loan in Oxnard? 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 [Oxnard]

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: 93030, 93033, 93035, 93036
Area Codes: 805

List of Direct Lenders in Oxnard, California (or nearby)

Company	Phone	Address	ZIP
ACE Cash Express	+1 805-981-3548	2694 E Vineyard Ave, Oxnard, CA	93036
Oportun	+1 805-978-5401	2696 E Vineyard Ave, Oxnard, CA	93036
Advance America	+1 805-278-7842	2329 N Oxnard Blvd, Oxnard, CA	93036
Lendmark Financial Services	+1 805-278-1263	1991 Ventura Blvd Ste C, Oxnard, CA	93036
OneMain Financial	+1 805-278-0026	187 E Gonzales Rd, Oxnard, CA	93036
Checkmate	+1 805-487-1553	1460 Doris Ave, Oxnard, CA	93030
Montana Capital Car Title Loans	+1 805-210-8129	1215 Saviers Rd, Oxnard, CA	93033
Oportun	+1 805-978-5375	2401 Saviers Rd, Oxnard, CA	93033
Continental Currency Services	+1 805-486-7337	2532 Saviers Rd, Oxnard, CA	93033
Checkmate	+1 805-247-0616	1420 W Channel Islands Blvd, Oxnard, CA	93030
Frontera Cash and Loan	+1 805-394-6891	211 W Pleasant Valley Rd, Oxnard, CA	93033
Frontera Cash and Loan	+1 805-486-1990	612 Cooper Rd, Oxnard, CA	93030
Montana Capital Car Title Loans	+1 805-209-0077	2360 N Oxnard Blvd, Oxnard, CA	93036
ACE Cash Express	+1 805-647-4109	9340 Telephone Rd, Ventura, CA	93004

Basic Information You Need to Know

Oxnard residents exploring short-term loan options should understand the California regulations governing these financial products.

Loan Terms, Amount, Rates and Fees in Oxnard, CA, USA

Short-term loans in Oxnard, mainly payday loans, are dictated by California state law. The maximum loan amount is $300, which includes all fees and interest. The loan term cannot exceed 31 days.

California law limits payday loan fees to 15 per 100 borrowed. For instance, a 300 loan carries a maximum fee of $45. Despite this fee cap, the Annual Percentage Rate (APR) remains very high, often exceeding 400%, due to the short repayment period. Always carefully examine all fees and the complete repayment schedule before committing to a loan.

Small Loan Online vs Cash Advance Near Me In-Store

Online Loans: Offer convenience and rapid application processing. Thoroughly verify that the online lender possesses a valid California license and adheres to all state regulations to avoid predatory lending practices.
Cash Advance Near Me In-Store: This search will display local storefront lenders in the Oxnard area. Benefits include in-person interaction, allowing for direct questions and clarification of loan terms. Compare the offerings from multiple lenders.

Weigh the speed of online applications against the benefits of in-person interactions.

Short-Term Credit Regulatory Authority in Oxnard, California

The California Department of Financial Protection and Innovation (DFPI) regulates short-term lenders operating in Oxnard. Consult the DFPI website to verify licenses, file complaints, and access consumer protection information. Knowledge of the DFPI’s role is essential for responsible borrowing.

Are There Early Payment Penalties?

California law generally does not allow for early payment penalties on payday loans. Borrowers in Oxnard (and throughout California) are typically able to pay off their loans early without incurring additional fees. Review the loan agreement to confirm the lender’s policy on early repayment.