Cash and check advance Oakland services are available from a selection from the total of over 2,500 payday loan outlets operating in the state.
These loans are small dollar amount, short-term loans, with the debt
amount typically being paid back to the lender on the borrower's next
Payday loans in California are NOT intended to be used as solutions for long-term money problems, but rather, as temporary loans to meet emergencies and unexpected expenses.
According to the payday loan industry websites (such as that from the Community Financial Services Association of America), however, many of their customers use these loans to avoid late payment fees, overdraft charges, and charges related to reconnecting disconnected utilities.
There are alternatives to cash advances in Oakland, and you should familiarize yourself with them. Some of the most used alternatives include cash advances on credit cards, small consumer loans from local banks and credit unions, and negotiating a cash advance on salary from your employer.
You should also read through the payday loan laws in California, to fully understand your rights as a consumer of financial services in Oakland.
These laws and regulations include statutes as an exception to the California's Finance Lender's Law, authorizing payday lending in the state.
Another good source of information on payday loans in California is the California Department of Corporations (DOC), which has several reports on how to use these debt instruments to temporarily manage daily finances.
Because of the amount of competition for your payday lending business,
you have many cash advance outlets to choose from in Oakland, as well as
licensed online payday lenders.
One of the most popular of these lenders is ACE Cash Express, a national franchise with over 1,700 payday loan outlets in the country.
In Oakland, ACE has a total of 4 physical bricks-and-mortar locations, plus a feature rich online payday lending website, which you can use to get a cash advance.
Another alternative is Advance America, the nation's largest payday lending operation (with over 2,400 storefronts).
Advance America operates throughout California, provding cash advances, MoneyGram services, VISA prepaid cards, and tax services from most of their outlets.
According to their "Store Finder" online tool, the company has a total of 5 locations within 20 miles of Oakland, CA.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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