Payday Loans in Irvine, CA

For many Americans, unexpected expenses are a major hurdle. 40% percent of Americans do not have adequate savings to cover a $400 emergency expense. To handle the situation, many resort to borrowing from people they know or selling personal belongings.

The ability to get traditional banks to extend credit could help fix this situation. Unfortunately, more than 43 million Americans have bad credit which limits their ability to get approved for a loan or credit card from many traditional institutions.

At LendUp, we want to fix this situation. We focus on helping those with poor credit get cash when they need it most. If you are in a tight financial situation and cash can help, you should first learn about Irvine payday loans before applying. Here's some things you should know.

Typical uses of payday loans

Payday loans in Irvine can help solve a short-term financial problem. For example, if your check hasn't arrived and you desperately need money for rent, a car repair or groceries, a cash advance can help fill the gap. However, these loans should not become a long-term habit. The idea is that you use them as a temporary solution.

LendUp has an online application that makes it easier for Irvine residents to apply anywhere on their smartphone or home computer in as little as 5 minutes. You don’t need to sit in traffic to drive to a check cashing store to get a payday loan. Get an instant decision so you can get on with your day.

Requirements for Irvine Loans

Before you apply for a payday loan, you should gather your contact information and proof of income. At LendUp, our requirements do not vary based on credit score:

  • You must reside in California.
  • You must be 18 years or older.
  • You must have a checking account that can receive electronic transfers.
  • You must show you have income through pay stubs, government checks or another source.
  • You must provide your contact information, including phone number, physical address, and SSN.

We do not have an established credit requirement at LendUp and don't run a hard credit pull. We do run a soft inquiry, but the score we get isn't the sole factor in determining your approval. We've approved payday loans in Irvine for those with poor credit or no credit.

Factors to consider for payday loans

Some of the most important things to examine are the loan length, loan amount, fees, interest charges and annual percentage rate (APR). Be sure to know the total repayment amount, because that will tell you the total cost of the payday advance.

Some lenders may not be entirely upfront about fees before you apply. Beware of hidden fees, and always ask if you're unsure. At LendUp, we know you deserve transparency, so we're always clear on how much our payday loans cost.

Our rates and terms are clear so you won’t be hit with any hidden fees. We only succeed when you do, and we want to make sure you don’t get stuck in a cycle of debt.

Choosing a Lender for Irvine Payday Loans

Here's some things to think about when looking for the right loan provider in Irvine.

  1. See If the Lender Is Licensed

There are some lenders that get around California and Federal laws by establishing headquarters on tribal land or offshore. You may want to avoid these companies, because they may not follow lending regulations in California.

And you may not be protected by state and Federal laws if they don't. LendUp is a fully licensed direct loan lender. Not only do we cut out the anonymous middleman, but we will never sell your personal information.

  1. Look at Processing Times

Most lenders process loans and get you the cash quickly. It usually only takes a few business days. But if you are in need of quick cash, look for lenders that can get you money even faster. At LendUp, our online application takes as few as five minutes and you'll get the decision immediately.

And, if you get approved before 5 p.m. PST on a weekday, we may be able to transfer you the money directly to your checking account on the next business day. It’s important to note that your bank will ultimately determine when funds are made available to you. See lendup.com/faq for more details.

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