Online Payday Loans Near Me in Hayward, CA

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

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: 94541, 94542, 94543, 94544, 94545, 94557
Area Codes: 510

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

Company	Phone	Address	ZIP
Mariner Finance	+1 510-340-9182	2472 Whipple Rd Unit 3, Hayward, CA	94544
Apoyo Financiero	+1 510-370-3520	1104 W Tennyson Rd, Hayward, CA	94544
ACE Cash Express	+1 510-264-9500	27300 Hesperian Blvd, Hayward, CA	94545
ACE Cash Express	+1 510-783-4630	24933 Santa Clara St Ste A-4, Hayward, CA	94544
Cash1	+1 510-537-2274	255 A Street, Hayward, CA	94541
California Check Cashing Stores	+1 510-732-9393	20500 Hesperian Blvd Ste F, Hayward, CA	94541
OneMain Financial	+1 510-606-4142	21471 Foothill Blvd Ste #D, Hayward, CA	94541
Oportun	+1 510-256-6145	20852 Mission Blvd, Hayward, CA	94541
Montana Capital Car Title Loans	+1 510-560-7837	406 W Harder Rd, Hayward, CA	94544
Patelco Credit Union	+1 800-358-8228	24703 Amador St, Hayward, CA	94545
Provident Credit Union	+1 510-582-7269	22302 Foothill Blvd, Hayward, CA	94541
Bay Cities Credit Union	+1 510-690-6100	22777 Main Street, Hayward, CA	94541
Patelco Credit Union	+1 800-358-8228	4055 E Castro Valley Blvd, Castro Valley, CA	94552
Montana Capital Car Title Loans	+1 510-426-9347	30580 Union City Blvd, Union City, CA	94587
OneMain Financial	+1 510-317-7528	2153 Doolittle Dr, San Leandro, CA	94577
California Check Cashing Stores	+1 510-727-9889	3105 Castro Valley Blvd, Castro Valley, CA	94546
California Check Cashing Stores	+1 510-276-2426	15251-A E 14th St, San Leandro, CA	94578

Basic Information You Need to Know

Hayward, CA residents considering short-term loan options need to understand their choices. Here’s a quick guide:

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

Short-term lending in Hayward, mainly payday loans, is governed by California regulations. Loan amounts are capped at $300, inclusive of all fees. Loan terms are limited to 31 days.

California law limits fees to $15 per $100 borrowed. A 300 loan, therefore, incurs a maximum fee of $45. While capped, the APR (Annual Percentage Rate) can be very high, often exceeding 400%, due to the short loan duration. Always review all fees and the repayment schedule.

About Small Loans Online or Near Me

Online Loans: Offer convenience; however, verify the lender’s California licensing and regulatory compliance to avoid fraud.
“Payday Loans Near Me”: Searching this reveals storefront lenders in Hayward. Benefits include in-person interaction and the opportunity to ask questions. Comparison shop for rates.

Consider the convenience of online versus the potential personalized service of local storefronts. Remember installment loans are a type of small loan that can have longer repayment terms than payday loans.

Short-Term Credit Regulatory Authority in Hayward, California

The California Department of Financial Protection and Innovation (DFPI) regulates short-term lenders in Hayward. Use the DFPI website to file complaints, verify licenses, and access consumer resources. Using DFPI resources is key for responsible borrowing.

Who is Eligible for a Payday Loan?

Eligibility typically requires:

Proof of income (sufficient to repay the loan)
Active bank account
Valid government-issued ID
Meeting the lender’s specific criteria (which may vary)

Credit history is often not a primary factor, but other debts can affect eligibility.