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Payday Loans in El Cajon California

El Cajon is a city in San Diego County, California, United States, 17 mi east of Downtown San Diego. Its name originated similarly, from the Spanish phrase “el caj√≥n”, which means “the big box” or “the drawer”. The city has a total area of 14.4 square miles, all land. It is bordered by San Diego and La Mesa on the west. El Cajon is home to a population of 103k people, from which 84.5% are citizens. The average household income in the city is $73,911 with a poverty rate of 19.43%.

Apply for easy payday loans today!

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Loan terms, debt limits, and collection limits in El Cajon, CA

  • Maximum Interest Rate (APR): 460% APR on a 14-day, $100 loan
  • Maximum loan term: 31 days
  • Number of rollovers allowed: None
  • Number of outstanding loans allowed: One
  • Installment option: No
  • Cooling-off period: None
  • Finance charges: 15% of the face amount of loan check
  • Collection charges: $15 non-sufficient funds (NSF) fee
  • Criminal action: Prohibited

Who is eligible for a payday loan?

Anyone who needs $100-$1,000 for up to 31 days can apply for a cash advance loan on good terms. Fortunately, it is easy to borrow cash via our referral service. All you need is access to the Internet, a government-issued ID, and a checking account in your name.

All applications are processed online, and loan approval rates are very high – up to 95%. Any person can take out a loan online with no collateral and guarantors.

To get the money right away. you need to meet a few requirements:

  1. US citizen or US permanent resident;
  2. steady income;
  3. valid checking account;
  4. email and phone number.

Bad credit is not an obstacle to getting a loan through our connection service.

How it works

The entire process is very easy. You just need to follow these steps:

  1. Select the desired loan amount and term.
  2. Submit an application form online.
  3. Get connected to the best lender for your unique needs.
  4. Wait for the lender’s decision.
  5. If approved, e-sign an agreement.
  6. Get the funds within a few hours or right away.
  7. Use the loan for whatever purpose.
  8. Repay your loan + interest on the due date specified in the agreement.

Convenient format of cooperation

New players in the financial market compare favorably with banks operating according to the old schemes. It makes sense to dwell in more detail on the benefits of an online payday loan issued by a microfinance institution:

  • The applicant does not need to visit the lender’s office in order to get cash. All transactions are carried out in the virtual space.
  • The terms of the transaction are as transparent as possible, they are not subject to revision in the future. There are no hidden fees. The total loan amount is indicated in the agreement.
  • The entire process is speedy: you learn the lender’s decision instantly and get the funds as soon as the same day or the next day.
  • Your questions are answered instantly by friendly support staff.

Relaxed requirements for applicants

Particular emphasis should be placed on the absence of strict requirements for the applicant. Financial institutions are ready to provide support to all categories of applicants. A payday loan is available to people who have a bad credit score.

The organizations from our network are ready to assist people who do not have a permanent job. Students can also get financial support in case of short-term difficulties. Pensioners also have high chances of getting approved for cash advance loans. Lenders from our network do not put forward any special requirements for applicants – you just need to be of legal age and have proof of identity.

Responsibility and security guarantee

Online payday loans El Cajon, California are a safe way to borrow money quickly without leaving home. When applying for a cash advance, income proof certificates are not needed. There are no hidden fees and commissions. We guarantee complete confidentiality and security of customer data storage. Unique scoring algorithms and programs allow us to instantly identify the client who submitted the application online. It is impossible to deceive the system, and attempts to do this lead to the fact that such a client is immediately entered into the global black list and will never be able to use the services of financial companies again. Personal data and related information that the borrower provides during application is completely confidential and will not be used by third parties.