“Your Payday Advance Solution With Locations in Los Angeles & Orange County Since 1997”
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With locations throughout Southern California, Payday Express has been providing customers with local payday cash advance services since 1997.
Our Payday Express Gardena location offers payday cash advances for Torrance, Lawndale, Carson, Willowbrook, Hawthorne and Gardena customers. We are conveniently located at 1124 D Redondo Beach Blvd and provide payday cash advance services to the following zip codes, 90247, 90504, 90250, 90059, 90746, 90503 and 90746.
An unexpected bill or expense can happen at anytime and when you least expect it; a car repair, medical expense, appliance breakdown, insurance rate hike or even a tax bill. Whatever your situation Payday Express in Gardena can help. We can provide a cash advance that can help ease the financial burden when an unplanned expense shows up. If you need cash an in-store cash advance can get you from $50-$300.
Don’t wait, give us a call today and let us help you get the cash you need!
Payday Cash Advance Fees/APR
Payday cash advance fees are based on a customer’s payday and are primarily used as a short-term lending solution or cash advance. Payday advances are not recommended for longer period Cash Advances. Payday advances charge a one-time fee for the advance instead of interest. This fee is 15% of the face value of the post dated check written to the Payday advance company and held until the customer’s next payday. For example, if a customer borrows a $100, they would write a check for $117.65 dated for their next payday. The $17.65 is 15% of the $117.65 and represents the fee charged by the Payday advance company. Payday advance are not renewable in the state of California. Customer may only have one payday advance with the same company at a time. Once a payday advance is paid back in full, (principle & fee) another advance can be taken out by that customer at any time. Payments of fee only are prohibited by state regulations regarding deferred deposit transactions. Annual Percentage Rates (APR) vary depending on the Cash Advance amount and length of time for which the advance is taken. APR’s range from 260%-700%. A payday advance with fees cannot exceed $300, for example a common advance would be $255 with a fee of $45. In this example, an advance taken with a time period of 14 days, the APR would be 460%.
Payday Express follows the Fair Debt Collection Practices Act (FDCPA) when collecting delinquent accounts. Returned check fees may not exceed $15 and No other fees may be charged for collection of your account. Payday Express does not report to any credit bureau or organization. However, if your account becomes delinquent and you do not make attempts to repay your debt, your account may be taken to small claims court for resolution. This may result in a judgment awarded by the court against the customer and that judgment would remain on the customers credit report until paid and cleared by the court. Also there would be additional fees awarded by a small claims court judge hearing the case to cover court costs, which would then be added to your account balance.
A customer cannot be criminally prosecuted or threatened with criminal prosecution for not repaying a payday advance. Payday Express may, but is not obligated, to enter into an agreement extending the terms and time to repay an advance, however, there are no additional fees or charges incurred by the customer receiving an extension. Each customer and situation is managed individually based on customer’s history and past performance.
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