Easy Loan Process
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All You Need To Bring For Your Payday Advance Is The Following Items:
EZ Check Advance is a leader in the payday cash advance industry and has been helping customers when they need money since 1997. We have the following locations in Los Angeles County and we offer a safe and affordable lending solution to help if your caught in-between paychecks and need cash quickly.
Getting a Payday Advance is easier than a more traditional type of loan because you don’t have to qualify and we don’t run your credit. Just call or stop by any of our stores with the correct verification information and we can process your cash advance in minutes.
A payday cash advance is a good short-term financial solution when an unexpected expense or unplanned bill catches you by surprise. Approval for a payday advance is easier and it doesn’t matter if you have bad credit or a bankruptcy on your record, with the correct information we can get you money.
If you need cash today we can help. Give us a call or email us and one of our friendly team members will help get you the cash you need.
Mon 9:00 am – 6:00 pm
Tue 9:00 am – 6:00 pm
Wed 9:00 am – 6:00 pm
Thu 9:00 am – 6:00 pm
Fri 9:00 am – 6:00 pm
Sat 10:00 am – 2:00 pm
EZ Check Advance Fees/APR
EZ Check 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 loans. EZ Check Advance charges 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 EZ Check Advance company. EZ Check 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 loan 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%.
EZ Check Advance 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 an account. EZ Check Advance does not report to any credit bureau or organization. However, if an account becomes delinquent and no attempts are made to repay the debt, a customer can 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 the account balance.
A customer cannot be criminally prosecuted or threatened with criminal prosecution for not repaying a payday advance. EZ Check Advance 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.