Payday loan Santa Ana is available from several cash advance operators, including ACE Cash Express, as well as online (throughout the state).
Payday advances are very popular forms of loans in California, with over 2,400 payday lender outlets available throughout the state, many also operating in Santa Ana.
Annually, Californians take more than 10 million cash advance loans, with the aim of bridging finances until the next paycheck from regular employment, when the loan is paid back.
As is the case with most states in the United States, payday lending is heavily regulated. In California, these companies are authorized to operate in statute as an exception to the California's Finance Lender's Law.
Although intended as short-term emergency financing (due to the high annual percentage rates (APRs) of the loans), studies have found that many use these loans to buying groceries and other necessary household goods, to make the money last until next payday.
For many, financing alternatives for payday loans in California and Santa Ana include, for example, consumer finance loans, credit card cash advances, lines of credit, and signature loans.
As is the case for most locations where payday lending is allowed, you
have two alternatives to getting a payday loan in Santa Ana.
For one, you can visit in-person one of the payday loan outlets that are available throughout the city.
Another alternative is to use an online payday loan lender, such as CashNetUSA, where the application is done online, and if approved, the loan funds are direct deposited and directly withdrawn on loan due date from your bank checking account.
One of the nationally popular payday lenders operating in Santa Ana is ACE Cash Express.
In addition to cash advances, their outlets provide a full range of financial services, including check cashing.
Their primary requirements from an applicant is that you have to have a regular, steady job, as well as a bank account, which need to proven to the lender as part of the application.
Credit check is not part of the application process, which is why these loans are popular in Santa Ana with people who have regular jobs, but bad credit.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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