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California Payday Loans

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Online Payday Loans in California

A reputable company you should contact for your cash needs, CashOne provides a referral service for those seeking California payday loans with fast approval and flexible payment options. So, if you have a short-term crunch and need cash, all you need to do is simply fill out the payday loans online request form with a few basic details about yourself, your job and salary, and if approved, you really can have cash in your bank account within 1 business day (in most cases).

How Online Payday Loans in California Work

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


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 California Payday Loans

  • 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 100+ direct 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 payday loans online 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

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 you get in California?

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.

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.

Why should I use CashOne for online payday loans in California?

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 100+ lenders you know you will have a better chance for loan approval. Our network of lenders provides an approval rate of more than 80%.

Note: We are a referral source with more than a decade of service and 100+ direct lenders in our network to refer you to.



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