When people need to get California payday loans, they often think it’s an involved, time-consuming process. It can be, but with CaliforniaPayday.com, nothing could be further from the truth. This company makes it so easy for you to get the quick cash you need that it can all be done in a matter of minutes, from start to finish. It’s also very simple, doesn’t require lots of information and can be done in the convenience of your home.
Apply
To apply for a California payday loan, there are only a few requirements.
- Be at least 18 years old.
- Be a U.S. Citizen.
- Be employed and make at least $1,000/mo.
- Have a valid checking account in your name.
- Provide home and work phone numbers.
- Provide a valid email address.
These qualifications are necessary to make sure that you are able to receive your loan funds and repay them on time. When you are approved for a loan, the funds are deposited directly into your bank account. Paying back your loan is done by withdrawal from this same account on a designated due date. This ensures that everything is done electronically, which means it only takes 24 hours or less to get the money you need. The actual application and lending process can take fifteen minutes or less if you have all your information on-hand.
Pick A Lender
Once you’re approved for a California payday loan, you will be matched up with lenders who fit your specific needs and qualifications. These lenders will contact you via email or phone, whichever is your preference, within a matter of minutes. There’s no long wait to hear from them. You get to pick from these lenders based on their rates and terms, so that you decide to go with the company that is best for you. Some lenders may loan you more money than others and some may have higher interest rates. It’s up to you to interview them and get this information. The good news is that they’ll come to you for your California payday loans; you don’t have to leave your computer.
Get Cash
Once you e-sign the lender’s contract, you get cash! It’s as simple as that. You review their rates and accept the amount of money they are willing to lend. Once you’re approved, the money will be deposited into your account within 24 hours (or the next business day). You don’t have to make any trips to the bank, cash checks or wait for a check in the mail.
Pay Back Loans
When it comes time for you to pay back your loan, you again don’t have to do anything. The money will be automatically withdrawn from the account that it was deposited into. This will take place on a day that you have already decided upon with your lender, usually your next payday. If you don’t have the money to pay it back, be sure to call in advance. Many lenders will allow you to extend or “rollover” your loan’s repayment date, but be sure to contact your lender before the loan’s due date or you are liable to incur late fees.