What is a Short Term Loan?

A short term loan or payday loan is a small loan, usually between $100 and $1000, designed to help individuals cover expenses until their next payday. These loans are accessible regardless of credit scores.

How Can I Qualify for a Short Term Loan?

To qualify, you need to be at least 18 years old, have a valid bank account, be legally employed in the US, and meet income requirements, although you do not have to be employed.

What if I Have Multiple Jobs or I am Self-Employed?

If you have multiple jobs, disclose your primary job and provide details about others during your application. Self-employed individuals must show consistent income for at least 90 days.

Are Short Term Loans Expensive?

While they can have higher interest rates than traditional loans due to the risk, responsible use can minimize costs. Always repay on time to avoid unnecessary charges.

How Do I Repay My Loan?

Repayment details will be outlined in your loan agreement, usually withdrawn automatically from your bank account on the due date.

What are your business hours?

We are open from Monday to Sunday, 10:00 AM to 6:00 PM.

Do you offer financing options for loans?

Yes, we provide several financing options for loans and purchases.

Where are you located?

We are located at 408 Broadway, Santa Monica, CA 90401.

What are your hours of operation?

We are open Monday to Friday from 9:30 AM to 5:00 PM and on the 1st and 3rd Saturday of the month from 10 AM to 2 PM.

Where are you located?

Our address is 1312 Lincoln Blvd, Santa Monica, CA 90401.

How can I contact you?

You can reach us at (310) 393-0661 or send an email to info@wilshirecoin.com.

What types of loans do you offer?

We offer a wide variety of loans, including SBA loans, equipment financing, alternative loans, lines of credit, and more.

Is there a credit check during pre-qualification?

No, our pre-qualification process does not impact your credit score.

How long does it take to get approved?

Our streamlined process allows for quick pre-qualification, and upon application completion, funding can occur swiftly.

Are there hidden fees?

We pride ourselves on transparency, with no hidden fees and upfront communication about the loan terms.

What types of items can I pawn or sell?

You can pawn or sell items such as gold, jewelry, designer handbags, electronics, and various collectibles.

What are your loan options?

We offer flexible loan terms with a minimum repayment period of 1 month and a maximum of 4 months and 11 days.

What are your interest rates on loans?

The interest rate is 2.9% per month, which translates to 35% APR for loans borrowing 30%-50% of the liquid wholesale value.

How can I get a quote?

You can get a quote by visiting our website or calling us directly.

What is a payday loan?

A payday loan is a short-term, unsecured cash advance that you'll repay on your next payday, helping to cover unexpected expenses without incurring bank penalties.

How much collateral do I need to get a payday loan?

No collateral is needed; your job and regular income serve as your collateral.

What are the minimum requirements to qualify for a payday loan?

To qualify, you need a job or regular income, be at least 18 years old, and have a checking or savings account.

How fast can I get my payday loan?

Once qualified, you can receive your loan by 5 PM PST the next business day, if your bank processes electronic deposits.

What documents do I need to apply for a payday loan?

There are no documents to fax; all applications are processed online.

How will I know my loan approval status?

You will be notified by phone or email within an hour during business hours, or the next business morning if outside those hours.

When do I need to repay the loan?

Loan payments are typically due on your next payday, with loans lasting up to 30 days.

How much does it cost to apply for a payday loan?

There is no cost to apply; Cash Depot does not charge hidden fees.

Can I get a payday loan with bad credit?

Yes, Cash Depot does not check credit history, focusing instead on your current job and income.

If I have declared bankruptcy, can I still qualify?

Yes, as long as you have a job and receive a regular paycheck.

Can I obtain a payday loan if my income is from Social Security or a pension?

No, Cash Depot does not provide loans against retirement income.

What Type Of Loans Do You Offer?

We provide various loan options including payday loans and installment loans. Payday loans typically range from $100 to $2500, suited for immediate needs, while installment loans can be repaid over a period of 1 to 60 months.

Does Dime Alley Charge Fees? Are There Early Exit Fees?

No fees are charged for loan requests. We operate on a commission basis with our lending partners. There are no early exit fees for terminating your loan agreement early.

What is The Criteria For a Loan?

You must be a US or Canadian citizen, at least 18 years old, have a social security number, a live checking account, be employed with a monthly income of at least $500, possess a working email and phone number, and have no recent bankruptcies.

Will Applying for a Payday Loan Impact my Credit Score?

Applying for a loan won't negatively affect your credit score. However, your score may improve with timely repayments.

Which States are Eligible?

Dime Alley operates in all states where payday loans are legal in the US, including states like Alabama, California, Florida, Illinois, and Texas.

How Long is the Process?

The online application takes about 5 minutes. If successful, funds may be transferred within 24 hours.

How Does Repayment Work?

Repayments are automatically collected from your bank account on an agreed-upon schedule. You will receive notifications prior to repayment.

What If I Have to Repay Late?

Late repayments may incur fees and negatively impact your credit score. It's essential to communicate with your lender if you anticipate difficulty.

Can I Cancel My Loan At Any Time?

Yes, you can cancel your loan within a cooling period of 24 hours after signing. After this, daily interest will accrue.

What Happens if My Loan is Declined?

If declined, no fees occur and your credit score remains unaffected, though there might be a small footprint on your report.

Is Dime Alley a Direct Lender or Broker?

Dime Alley acts as a broker, receiving commission from over 50 lenders upon successful applications.

Yes, Dime Alley has been operational since 2021 and partners with a reputable panel of lenders.

Can I Apply On Behalf of Someone Else?

Typically, applications should be made by the individual needing a loan. Exceptions may exist for specific circumstances.

Can I Get a Loan if I am Unemployed or Self-Employed?

Applicants should usually be employed. Loans may be accessible for those unemployed under special circumstances or if self-employed with a steady income.

What types of items do you accept for pawning?

We accept jewelry, watches, electronics, power tools, musical instruments, and more.

What are your interest rates?

We guarantee the lowest interest rates, but check in-store for specific details.

Is there any fee for the first loan?

We offer free interest on your first loan with us; please visit our stores for more details on this offer.

What is an Online Loan?

An online loan is a short-term emergency loan that can be acquired irrespective of credit history, as many lenders do not check credit scores. These loans are meant for urgent situations and are to be repaid quickly.

How Do I Apply for an Online Loan?

You simply need to fill out the application on our site, which will match you with a lender from our partner network. There is no obligation to accept the loan offer.

What are the Qualifications?

To qualify for a loan, you must be at least 18, a legal US resident, have a valid email and phone number, a personal bank account, and have been employed for at least 90 days.

Will I Need to Fax Documents?

Usually, no faxing is needed as most verification can be done electronically. However, some lenders may request additional documentation.

PawnShopz | Discover pawn shops in California, Long Beach

pawn shops in California, Long Beach

PaydayMe

phone language payday loans

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phone language pawn shop

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Wilshire Coin

phone language gold buyer

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N/A years in business

Winfinite

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Closed today ⌁ 16.1km

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Western Loan & Jewelry

phone language Sells Gold

Closed today ⌁ 10.5km

Not found

Cash Depot Inc

phone language Payday Loans

Closed today ⌁ 2.8km

We are Providing the Best Cash Payda..

Dime Alley

phone language payday loans

Closed today ⌁ 47.1km

2 years in business

Smart Pawn

phone language pawn shop

Closed today ⌁ 5.4km

Not provided years in business

Super Payday Loan

phone language online loans

Closed today ⌁ 16.1km

14 years years in business

Goldline

phone language precious metals

Closed today ⌁ 16.1km

21 years in business

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pawn shops in California, Long Beach

PaydayMe

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