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- Payday Loan Frequently Asked Questions (FAQs)
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Payday Loan Frequently Asked Questions (FAQs)
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A payday loan is a short-term loan that could provide you with emergency cash between paychecks. In California, the amounts generally available are between $100 and $255. Please remember that a payday loan is intended to be a short-term loan for minor expenses that cannot wait until your next payday. They are not intended to be a solution for long-term financial problems.
In the state of California, you could receive anywhere from $100 to $255 in payday loan cash. You will need to bring a few simple required items when visiting an RPM Lenders store location. They will be used to establish the maximum cash advance you could qualify for. This amount will also depend on the underwriting lender, your income and your ability to repay the loan.
To qualify for a payday loan, you will need the following:
- Must be 18 years of age or older
- An active checking account in your name
- Most recent pay stub
- A blank check
- A state issued photo ID
To determine the total cost of your payday loan, please refer to your loan agreement for all the specifics about your loan terms and fees. Our loan representatives will also be happy to review all terms and fees prior to your signing any loan documents.
Your credit history is not a factor when determining if you qualify for a payday loan. Neither are charge-offs, discharged bankruptcy, bounced checks or other credit problems that can affect your ability to obtain other types of loans.
Once approved and you have completed the necessary paperwork at your local RPM Lenders store you could receive your funding on site.
Once you have been approved and completed the simple paperwork at an RPM Lenders location, it is possible to receive the emergency cash you need in as little as 30 minutes.
To find out if you could qualify for an additional payday loan, you will need to check with a representative at your local RPM Lenders store, since loan terms and frequency will vary.
To view the complete details, we ask that you please read through our Consumer Disclosures page, which you can find on our website. It’s important to note that payday loans are not intended nor designed to solve any long-term financial issues.
RPM Lenders DOES NOT report to credit agencies if you default on your loan.
The frequency of payday loan approval will vary from state to state. In order to determine how frequently you can apply for additional payday loans, please contact a representative at your local RPM Lenders store, who will be able to provide you with more specific details.
In general, a payment will be made on your loan when you receive your next paycheck. While this is the norm, please closely review the terms of your loan as their exact terms and conditions may vary.
If you have an unexpected emergency that prevents you from making your payment on time, please contact a representative at your local RPM Lenders as soon as possible. They are prepared to make payment arrangements in accordance with state regulations, so you can still fulfill your repayment obligation.
Yes, in many cases you could refinance your payday loan. For full details, please contact a friendly representative at your local RPM Lenders store.
RPM Lender’s loan representatives are both trained and highly experienced in working with borrowers on payment arrangements in accordance with state regulations. They are authorized to make certain arrangements to help you fulfill your payday loan obligations.
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DISCLOSURE: This is a solicitation for an auto title loan, payday loan or installment loan. This is not a guaranteed offer and requires a complete and approved application. Auto title loan amount subject to vehicle evaluation. Results and actual loan amounts may vary. Certain limitations apply. Auto title loans and installment loans are made pursuant to the Department of Business Oversight California Finance Lenders License. For Payday Loans: This company is licensed by the Department of Business Oversight Finance Lenders pursuant to the California Deferred Deposit Transaction Law. This site is affiliated with one or more of the licensed lenders referenced herein, including Fast Auto Loans, Inc., Fast Auto and Payday Loans, and RPM Lenders.
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