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Payday Loans in California

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California Payday Loans

California payday loans are short-term cash advance loans that can be borrowed by the customers when they are short on cash before paychecks and need cash immediately. Payday loans are legal in the state of California and the lenders are regulated by the Department of Business Oversight (DBO). Payday lenders can loan up to $300 and can charge a maximum fee of 15 percent. This means you can get up to a $255 payday loan online in California after the $45 loan fee is paid.

If you are a California resident and need money now, apply for a payday loan online at CashOne and if approved, the funds will be deposited directly into your bank account as soon as the next business day from one of our direct payday lenders.

How California Payday Loans Work

We simplified the process. Request for your payday loan online in minutes, without driving around, tons of paperwork, and long waits in California.


Easy Request

Complete our online request. It's quick, easy, and secure.


Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.


Get Your Cash

Cash is deposited in your account in as little as 1 business day.


Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

Eligibility Criteria for Payday Loans in California

  • 18 years of age or older
  • A legal resident of California with a fixed address
  • Regular employment for the past 6 months
  • An active checking account
  • U.S. citizen or legal resident

All requests are submitted to our more than 120+ direct payday lenders for review and possible approval. Not all requests are accepted. Reasons for denial vary by lender and are not in the control of CashOne. Do not contact us for reasons for denial as we are unable to provide these. If approved, ask your lender any questions you may have about your terms and conditions. You are not obligated to accept any loan offered to you. CashOne is not a lender.

What documents do I need for requesting online payday loans in California?

When requesting for payday loans online in California, you need the following documents:

  • recent paycheck stub(s) and proof of employment
  • active bank account and a VOID personal check if you have one
  • current utility bill or similar bill with your name and address
  • valid state issued driver's license or identification card
  • valid social security card

Why Should I Use CashOne for California Payday Loans?

CashOne has been a trusted leader in providing a large network of lenders for over 10 years. We take pride in selecting only the best lenders and lender networks we can find who are eager to provide loans to consumers. This saves you time and money driving around to storefronts and really improves your odds of approval. With over 120 direct lenders you know you will have a better chance for loan approval. Our network of lenders provides an approval rate of more than 80%.

California Payday Loan FAQs

What laws regulate California payday loans?

Payday loans are legal in California. The state of California has enacted laws, like all states, to regulate payday loans. The maximum loan term is of 31 days and rollovers are not allowed. The Civil Code 1789.30 et seq. and the Financial Code 23000 et seq. regulate all payday lendings in California, but criminal actions in all cases are prohibited.

What is the statute of limitations in California for payday loans?

California imposes a $300 limit on the amount that a payday loan may be offered in the state. Payday loans can be taken for the period of no longer than 31 days. No additional charges are allowed for the extension of a loan. No rollovers are allowed. There are no cooling-off periods between 2 consecutive loans.

What is the maximum APR for payday loans in California?

The maximum finance charge in California is 15% for every $100 (e.g. $30 for a $200 loan) and 460% APR. There is an allowed $15 NSF fee for failure to repay a loan as agreed upon in the loan contract and a loan contract is required.

How many payday loans can I have at one time in California?

You can only have one (1) payday loan outstanding at any given time.

How much can I get on California payday loans

In the State of California the amount of the consumer's loan cannot exceed $300. The lender cannot charge a fee that is higher than 15 percent of the check amount. So, for example, a borrower who gives the lender a check for $300 will take home only $255 if the lender charges the maximum fee of 15 percent. The term of a payday loan cannot last longer than 31 days. You can have more than one payday loan as long as the loan(s) meet the criteria already noted.

How is my payday loan date determined in California?

Usually, your payment date is your next pay date, which is 2-3 weeks from the date of your loan. But it can be up to 31 days since some people get paid monthly.

Can I make California payday loan payments online or by phone?

Generally, the answer is no. Most payday loans are deposited directly into your checking account and then repaid in the same way i.e., taken out of your account on your next payday. Lenders have different policies, so ask your lender if you wish to pay in a different manner.

Can I pay off my loan before it is due in California?

Yes, you can always pay our loan early. It will not affect the fees you are charged for the loan, but lenders will accept early payment. Contact your lender directly if you wish to pay your loan early.

Can I renew my California payday loan?

No, rollovers are allowed, but there is no cooling-off period between 2 consecutive loans. So, you cannot extend your loan, but once it is paid, you can get another loan.

Can I extend my loan due date?

You can only extend the date to a maximum of 31 days from the date it began. However, this is subject to your lender’s approval, so do not assume you can do so.

How do I repay my payday loan in California?

For payday loans, usually, the loan amount & any fees are debited from your bank account on the due day. However, in some cases, lenders ask for a post-dated check as a guarantee of repayment. This check holds the original principal loan amount and additional applicable loan fees. The maturity date on the check corresponds to the next payday of the borrower, and it is retained until the repayment date.

What if I am unable to repay my loan on my due date in California?

The law allows California payday lenders to sue to recover loan funds. In these cases, if the suit against the borrower ends in a judgment, the payment can be a nightmare for the consumer. The lesson: never get a payday loan you cannot repay on time.

What happens if I default on a California payday loan?

If you default on your loan the lender may refer you to a collection agency. No criminal charges will result for a breach of contract. The lender can pursue a judgment against you or force you into bankruptcy through a civil action but cannot pursue a criminal action against you. Some collection agencies use aggressive tactics including threats that are not legal. Consult an attorney if you find yourself in this situation.

Note: We are a referral source with more than a decade of service and 120+ direct payday lenders in our network to refer you to.



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