Payday Loans in California (CA)

Have you been short of money these days? We have listed all lenders that offer you qucik cash in California for your reference. Just have a look of the list and pick out the one that offers best terms and conditions.

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    • AD
      Personal Loans
      4.9
      24/7 Accesssible
      • Various personal loan options
      • Loan amount up to $35000
      • Reasonable rates
      Apply Now →Go to website →
    • AD
      Bad Credit Loans
      4.8
      WeLoans' rating
      • Ideal for borrowers with bad credit
      • No collateral needed
      • Flexible repayment terms
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    • AD
      Cash Advance
      4.8
      WeLoans' rating
      • Decision as fast as several minutes
      • No extra fees required
      • Easy and safe process
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    15 Best Payday Loans & Cash Advance in California (CA)

    We present you with a list of all financial companies that are ready to tide you over in California. To save you from hassle, kindly check the following details and see whether these lenders meet your requirements.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (2759)
      • Address:
      • 5887 Copley Drive Floors 1, 3, 4, 5, And 6, San Diego, CA 92111, United States
      • Phone:
      • +1 800-283-8823
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (1862)
      • Address:
      • 5810 Riverside Dr, Chino, CA 91710, United States
      • Phone:
      • +1 909-465-5456
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (1204)
      • Address:
      • 2195 Tully Rd, San Jose, CA 95122, United States
      • Phone:
      • +1 408-877-8000
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (958)
      • Address:
      • 640 E Boronda Rd, Salinas, CA 93906, United States
      • Phone:
      • +1 831-920-6172
      • Open hours:
    • 5
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (908)
      • Address:
      • 3838 Peck Rd, El Monte, CA 91732, United States
      • Phone:
      • +1 626-773-8757
      • Open hours:
    • 6
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (875)
      • Address:
      • 1724 E Florence Ave, Los Angeles, CA 90001, United States
      • Phone:
      • +1 323-586-0626
      • Open hours:
    • 7
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (771)
      • Address:
      • 1288 Kifer Rd Suite 208, Sunnyvale, CA 94086, United States
      • Phone:
      • +1 408-212-8800
      • Open hours:
    • 8
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (3238)
      • Address:
      • 14511 Myford Rd Ste. 100, Tustin, CA 92780, United States
      • Phone:
      • +1 949-208-8020
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (750)
      • Address:
      • 201 Willow St, San Jose, CA 95110, United States
      • Phone:
      • +1 669-282-3004
      • Open hours:
    • 10
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (680)
      • Address:
      • 10000 Washington Blvd Suite 600, Culver City, CA 90232, United States
      • Phone:
      • +1 877-453-6394
      • Open hours:
    • 11
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (642)
      • Address:
      • 2107 Solano Ave, Vallejo, CA 94590, United States
      • Phone:
      • +1 707-200-6931
      • Open hours:
    • 12
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (612)
      • Address:
      • 14590 Seventh St, Victorville, CA 92395, United States
      • Phone:
      • +1 760-241-6683
      • Open hours:
    • 13
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (1478)
      • Address:
      • 555 Corporate Dr, Ladera Ranch, CA 92694, United States
      • Phone:
      • +1 800-592-9396
      • Open hours:
    • 14
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (569)
      • Address:
      • 2100 Railroad Ave, Pittsburg, CA 94565, United States
      • Phone:
      • +1 925-364-9634
      • Open hours:
    • 15
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (1352)
      • Address:
      • 10 Pointe Dr #330, Brea, CA 92821, United States
      • Phone:
      • +1 714-831-4578
      • Open hours:
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    California Payday Loans Regulations

    • Loan Amount (max)

      $300

    • Loan Term (max)

      31 days

    • Finance Charges

      $17.64 per $100.00 15% of the amount advanced (up to $45)

    • APR
      460%

    Business concerning payday loans in California is Legal. The law states that there is a $300 amount limit offered by the lenders. A payday loan in this state can be taken for a period of not longer than 31 days. The maximum finance charge is $17.64 per $100.00 15% of the amount advanced (up to $45), and the APR is 460%.0 rollovers are allowed according to the law.There are 1 cooling-off periods between two consecutive loans. The number of unpaid loans shoud be less than 1.

    What Is the Maximum Loan Amount in California?

    The maximum allowable payday loan amount in California is $300, under Financial Code 23000 et seq..

    How Are The Loan Costs Regulated in California?

    For every $100, the loan cost is $17.64, and all the fees and financial charges combined should be no more than 15%. And the APR is 460% (“Typical APR based on the average rate for a $300 loan advertised by largest payday chains or as determined by the state regulator, where applicable.” – Center for Responsible Lending 2019).

    Anyone who violates the provisions of §,987 of Title 10 of the U.S. Code, as amended by 126 Stat. 1785 or provision of Part 232, is also in violation of division 10 of California Deferred Deposit Transaction Law, which is Financial Code 23000 et seq..

    If a loan is extended, no additional charges are allowed.

    How Is The Loan Cost Calculated in California

    If the loan amount is $200 and the term is 14 days:

    APR: 460%

    Loan cost: $200 * 460% * (14 / 365) = $35.3

    Total amount to return: $200 + $35.3 = $235.3

    How Is the Loan Term Regulated in California?

    Under Financial Code 23000 et seq, the maximum loan term is 31 days.

    What If a Borrower Requests an Extended Payment Plan

    The lender can either approve this request without imposing any fees or simply deny it.

    Consumer Information

    Attention

    According to rule changes by the Consumer Financial Protection Bureau, starting from July 2020, lenders are not obligated to check whether a borrower is able to pay back a loan. Think carefully before you decide to borrow a payday loan, and manage your money spending reasonably to avoid debt trap.

      • All California payday loan lenders must be licensed by the Department of Financial Protection and Innovation, and a borrower should check their license before borrowing money from a lender.
      • There is at most one outstanding loan a borrower can have. A borrower should always repay their loan in full before getting a new one. And they are not allowed to take one loan to repay another.
      • No rollover or charge for extension is allowed.
      • If a check is returned unpaid, there will be a non-sufficient fund and its maximum amount is $15.
      • Any criminal action or penalty against borrowers is strictly prohibited.

    For more information about California payday lending laws and regulations, go to the official website of California Department of Business Oversight (DBO). You can also file a complaint on DBO if you think a lender’s behavior is harmful or fraudulent.

    Select Payday Loans in California by Cities

    It is a breeze to get an online payday loan in California. Please select your target city below and pick out the lender who matches with your financial status.

    View More Cities →

    Calculator for California Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in California.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    California Payday Loans at Your Local Area

    Loyalty Pawn #2
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (1362)
    Pawn shop
    Central Mega Pawn
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (1353)
    Pawn shop
    Prime Mortgage
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (561)
    Mortgage broker