Oakland, CA Cash Advance Loans

VIEW OUR ONLINE LISTING OF Oakland, CA CASH ADVANCE AND DIRECT PAYDAY LOAN LENDERS

Advantages of Taking Out a Payday Loan in Oakland

Payday loans offer more advantages for Oakland residents. The states regulate the loans, and California offers strong consumer protections. Payday loans can be used for any purpose that involves the need for immediate cash.

Getting a short-term loan in Oakland can be fast and easy for most applicants. The loans are ideal for dealing with cash emergencies that can face families from any socioeconomic group. The benefits of short-term loans for Oakland residents include:

  • No long-term loan commitment because short-term loans are repaid on the borrower’s next payday
  • Covering unexpected bills when temporary budgeting hiccups occur
  • Bad credit or unusual income may not disqualify applicants
  • Eligibility for most people over the age of 18
  • Legal and regulated for consumer protection
  • Transparent fees
  • Ability to build higher credit scores
  • Safe and secure application process
  • Fast results

The Streamlined Loan Application Process

Getting approved for a cash advance in California may be faster than the approval process for other loans. When an immediate need for cash comes up, short-term loans are often the best option for dealing with the problem quickly and conveniently. The application process takes about 15 minutes if the applicant has all the necessary information. Borrowers over the age of 18 need the following information to apply:

  • Proof of age, identity, and current address
  • Social Security number
  • Employment information
  • Bank account number or a loadable debit card
  • Information about alternative income that the applicant wants to include

Payday lenders may approve loans for people without jobs, those without bank accounts, and people with bad credit. The most important qualifications include income and the borrower’s debt-to-income ratio. That information helps lenders to assess whether the applicant can afford to repay a payday loan in full. Credit score might affect some applications, but payday lenders may loan money to people with poor credit scores because they often need these types of loans more than those with higher credit ratings.

Special Circumstances Pose Little Difficulty

Payday lenders might approve applicants without bank accounts or regular jobs. Some people receive money from alternatives sources. These include cash from the following sources:

  • Government entitlements, such as Social Security benefits, welfare, VA benefits, disability compensation, etc.
  • Child support and alimony payments
  • Self-employment income
  • Royalties for books, stories, songs, music, etc.
  • Investment income
  • Trust fund payments 

Applicants need to verify the source and amount of alternative income to get it included as a basis for loan approval. Self-employment income might take banking records, tax returns, and other official documents.

Many government agencies pay benefits using a debit card, and loadable debit cards allow people to receive money from third parties. Debit cards can be used to load the funds from a short-term loan.

Understanding the Risks of Payday Loans

Getting a short-term loan in Oakland, CA, is not without certain risks. Although there are federal and state protections for consumers, some families become trapped in debt when they can’t afford to repay their short-term loans. The high-interest rate can continue to accrue for months when people don’t repay their loans. Some borrowers choose to get loans from other lenders to repay their loans, but the high-interest rates make it difficult to pay off the debts.

It is essential to plan a loan and cut expenses during the repayment period to make a short-term loan more affordable. Most people handle short-term loans as they were intended to be used, but there are exceptions. Creating and following a budget is one of the most important ways to prevent repayment issues when applying for short-duration funding.

Budgeting Recommendations for Short-Duration Funding

Saving money is an integral part of managing any loan. Cutting down on expenses may be a smart way to make a payday loan more affordable. The savings might even cover costs so that people don’t need a loan. 

When it comes to saving money, Oakland residents have a significant advantage. The area has many free and low-cost resources that families can use for recreation, exercise, and entertainment. These include the Museum of 3D Illusions, the SS Jeremiah O’Brien, the Oakland Zoo, and the Bonsai Garden at Lake Merritt.

Favorite Oakland, CA Cash Advance and Payday Loan Companies

Company name
Address
Phone
A A JEWELRY & LOAN
6416 Telegraph Ave Oakland CA, 94609
510-658-0131
A-A Jewelry & Loan
6416 Telegraph Avenue Oakland CA, 94609
510-658-0280
ACE AMERICAS CASH EXPRESS
2700 San Pablo Ave Oakland CA, 94612
510-891-9466
Ace Americas Cash Express
3229 International Boulevard Oakland CA, 94601
510-533-1772
ACE CASH EXPRESS
3229 International Blvd Oakland CA, 94601
510-533-1772
ACE CASH EXPRESS
9001 International Blvd Oakland CA, 94603
510-635-2591
ACE CASH EXPRESS
610 Hegenberger Rd Oakland CA, 94621
510-567-0877
Advance America
4496 Broadway Oakland CA, 94611
510-597-1763
Any Kind Check Cashing Centers
9818 International Boulevard Oakland CA, 94603
510-633-1991
Any Kind Check Cashing Centers
3451 International Boulevard # A Oakland CA, 94601
510-436-3771
C & C Check Cashing
9 Eastmont Mall Oakland CA, 94605
510-562-8804
C & C Check Cashing
3136 International Boulevard Oakland CA, 94601
510-532-1184
CALIFORNIA CHECK CASHING STORE
10700 Macarthur Blvd Oakland CA, 94605
510-638-8773
CALIFORNIA CHECK CASHING STORE
4300 International Blvd Oakland CA, 94601
510-536-7887
CALIFORNIA CHECK CASHING STORE
51 St & Telegraph Ave Oakland CA, 94601
510-547-8717
CALIFORNIA CHECK CASHING STORE
10950 International Blvd Oakland CA, 94603
510-777-0761
CALIFORNIA CHECK CASHING STORE
3421 High St Oakland CA, 94619
510-532-7637
California Check Cashing Stores
10700 Macarthur Boulevard Oakland CA, 94605
510-638-8773
California Check Cashing Stores
3421 High Street Oakland CA, 94619
510-532-7637
California Check Cashing Stores
4300 International Boulevard Oakland CA, 94601
510-536-7887
California Check Cashing Stores
51St & Telegraph Avenue Oakland CA, 94601
510-547-8717
California Check Cashing Stores - Oakland
5101 Telegraph Avenue Oakland CA, 94609
510-547-8717
Califrnia Check Cashing Stores
5101 Telegraph Ave Oakland CA, 94609
510-547-8717
Check Center
302 East 18Th Street Oakland CA, 94606
510-835-8282
Check Center
Oakland Oakland CA, 94601
510-835-1265
CHECK CENTER
302 E 18th St Oakland CA, 94606
510-835-8282
Checks Etc
7300 Macarthur Boulevard Oakland CA, 94605
510-569-2274
CHEKS ETC
7300 Macarthur Blvd Oakland CA, 94605
510-569-2274
D & L Payment Center Llc
3529 International Boulevard Oakland CA, 94601
510-533-4737
D & L PAYMENT CENTER LLC
3336 International Blvd Oakland CA, 94601
510-533-4737
D & L PAYMENT CENTER LLC
3300 International Blvd Oakland CA, 94601
510-533-4737
Dolex Dollar
3221 Foothill Boulevard Oakland CA, 94601
510-534-0867
DOLLAR
3221 Foothill Blvd Oakland CA, 94601
510-534-0867
Draft Point Services
Oakland Oakland CA, 94601
510-667-0777
EZPay Payment Centers
7300 MacArthur Blvd. Oakland CA, 94605
510-430-1000
Fast Cash
2300 Macarthur Boulevard Oakland CA, 94601
510-569-2274
Foothill Check Cashing
3027 Foothill Boulevard Oakland CA, 94601
510-261-6995
In and Out Checking Cashing
10220 International Blvd. Oakland CA, 94603
510-569-7833
KWICKWAY PAY
6207 International Blvd Oakland CA, 94621
510-635-5720
LA RAZA CHECK CASHING
5040 International Blvd Oakland CA, 94601
510-536-5072
Low Fee Check Cashing
9755 Edes Ave Oakland CA, 94603
510-777-9878
M & F Check Cashing
900 Market Street Oakland CA, 94607
510-625-9431
M & F CHECK CASHING
900 Market St Oakland CA, 94607
510-625-9431
M And F Check Cashing Servi
937 West Grand Avenue Oakland CA, 94607
510-444-7186
Monetary Management Of Ca Inc
417 15Th St Oakland CA, 94612
510-451-5815
MONEY MART
3451 a International Blvd Oakland CA, 94601
510-436-3771
MONEY MART
36 Eastmont Mall Oakland CA, 94605
510-562-8804
MONEY MART
9818 International Blvd Oakland CA, 94603
510-633-1991
MONEY MART
3136 International Blvd Oakland CA, 94601
510-532-1184
MONEY MART
3451 International Blvd Oakland CA, 94601
510-436-4994
Money Mart
Oakland Oakland CA, 94601
510-436-3771
Montana Capital Car Title Loans
6672 Bancroft Ave. Oakland CA, 94605
510-336-4815
Nagrom Banking Equipment
360 Grand Avenue Oakland CA, 94541
510-728-9900
Otaez Money Services
3848 International Blvd. Oakland CA, 94601
510-842-8615
RPM Lenders
8407 Edgewater Dr. Oakland CA, 94621
510-633-0734
Scottys Check Cashing Inc
10220 International Blvd Oakland CA, 94603
510-569-7833
Tnt Check Cashing
2510 Telegraph Avenue Oakland CA, 94612
510-835-0350
Tnt Financial
2510 Telegraph Ave Oakland CA, 94612
510-835-0350
Tropicana
2118 International Boulevard Oakland CA, 94606
510-534-3643
TROPICANA
2118 International Blvd Oakland CA, 94606
510-534-3643
Y And S Check Cashing
1460 7Th Street Oakland CA, 94607
510-834-6300
Y AND S CHECK CASHING
1460 7th St Ste A Oakland CA, 94607
510-834-6300

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