HistoryEvolution Lending is locally owned and operated short term lender, offering Payday Advance and Auto Title Loans to our community for 14 years. We know that borrowing money can be an uncomfortable situation and that is why we treat every client with honor and respect. We provide full disclosure to our clients about the material terms of the transaction, including disclosure of the cost of the finance charge both as a dollar amount and as an annual percentage rate (APR). A payday advance is designed for a short term cash flow tool, not a solution to long term financing. We are licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Installment Loans are made or arranged pursuant to the Department of Business Oversight California Finance Law License number 603K207SpecialtiesWe specialize in Payday Advances up to $255.00 All you need to pre qualify is your most recent: -Personal Checking Account Statement -Personal check -Current Paycheck Stub -Valid Photo I.D We also purchase Gift Cards. Bring in your unwanted gift cards that have a remaining balance with a minimum of $10.00 and we will pay you cash for them. We also offer Auto title loans You drive the vehicle, We hold the title Easy Application Process Unbeatable Payment Terms Competitive Interest Rates No upfront fees No early payoff penalty No problem if you have any of the following Bad credit No credit Previous Repo Past bankruptcy We are here to help! Come visit us today for fast friendly service. We are a licensed, bonded and insured California lender and will help you with your short term financial needs. As a licensed lender we strive to follow all Local, State and Federal Laws. We have 3 locations including Santa Maria, Santa Barbara, and Ventura. We know that you can't plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.