Online Payday Loan California: Where to Get & What to Consider

It’s natural to want to get out of debt, and the California payday loan can help as a fast solution. With a California loan, you can quickly get the money you need without going through a long and complicated procedure.

You will only need a job and an active bank account – something most people already have. So, what California payday loan is, and how to get it – let’s find out!

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Online Payday Loan California: Best Offers

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We have compiled a list of the top payday lenders available to you. This list of reputable and trustworthy payday lenders offers some of the best deals in the industry, so you can be confident you’re getting a good deal.

With years of experience and a commitment to customer satisfaction, these lenders are a great choice for anyone looking for a good deal on lending. Knowing this information will help you choose the lender that will provide the most favorable conditions based on your creditworthiness.


SpeedyCash loan

SpeedyCash is the best place to get a loan online that offers fast cash in the form of credits. The loans are typically for small amounts and must be repaid within a short period, usually two weeks.

SpeedyCash payday lenders offer loans of $100 to $5,000 for up to 18 months. The APR is between 132% and 680.7%. There are no payment fees, although the origination fee is $10, and applicants should have a credit score of 640 or higher. 

In some cases, you can get a California loan in about one business day, although the regular appeal process takes up to 72 hours.

There are several pros and cons:


  • No payment fee.
  • Fast application operation.
  • Need a fair credit score.


  • Origination fee.
  • High APR.
  • No soft credit check.

In summary, SpeedyCash is an advantageous choice for individuals who need payment rapidly – you can apply for and receive a California payday loan today.


MoneyTree Loans

MoneyTree payday lenders are a wired storefront for credit loans in California. It offers credit services for emergency cash that can help people to pay for expenses and keep quick access to their money.

You can get between $100 and $5,000, with an APR of 118% to 480%. The cost is $16.50 per every $100 borrowed, the origination fee is 5%, and the required credit score is 640.

To get the request approved, you can wait up to 72 hours. Although, it depends on the unexpected situation that may happen while processing.


  • Fast approval.
  • Available options.
  • Fast money access.


  • High rates.
  • Origination fee.

MoneyTree payday lenders offer various credit options to people who need emergency cash for expenses. With its fast and easy approval procedure, you can get the money you need in as little as 24 hours.


MoneyMart Loans

MoneyMart payday lenders are a service for networked borrowing. They offer to lend to customers who have less-than-perfect credit histories. These payday lenders have many locations throughout different states that offer in-store borrowing. In addition, they have extended open hours so that customers can get lending on their schedule.

With this service, you can get from $120 to $15,000 credit with about 45% APR depending on the loan type. You also should pay a fee of $150 for every $1,000 borrowed. They even accept credit scores from 300 to 600.

With these payday lenders, you can get approved in as fast as to hours.


  • Bad history allowed.
  • Fast approving.
  • Unsecured loans are available.


  • High fee.
  • High-interest rate.

In conclusion, these payday lenders are a viable choice for individuals with bad credit or who require quick approval. The company offers a wide range of financial services, including loans, credit cards, and fund transfers.


Cash Factory USA Loans

CashFactoryUsa is a company that provides short-term personal borrowings and operates in compliance with state laws – something that few other payday lenders can claim.

With CashFactoryUsa, you can get from $100 to $1,000 credit amount, although be sure to check the APR, which varies depending on the state and is about 250%. The loan cost is about $17.64/$100, $26.46/$150, $35.28/$200, and $44.10/$250. They don’t have a minimum credit score, although they check a credit history.

To get approved, you can wait up to 24 hours.


  • Fast approving.
  • Credit cancellation is available.
  • Available rates examples.


  • High APR.
  • Available in 5 states.
  • A credit check is required.

If you’re thinking of taking out lending, CashFactoryUsa payday lenders are worth considering. Cash Factory is popular because of its rates and quick loan approval.


Ace Cash Express Loans

ACE Cash Express payday lenders have a long history of providing financial services to customers at 950 locations across the United States. It offers many kinds of loans, including personal and signature loans.

ACE Cash Express provides a variety of loans: from $100 to $5,000, for up to 3 months. The APR is between 91% and 630%.

To get a California payday loan here, you should wait for about 24 hours application to be approved.


  • No payment fee.
  • Can have cosigners.
  • Get cash for about 72 hours.


  • High APR.
  • Origination fee.
  • Short-time loans.
  • Late fee charge.

ACE Cash Express payday lenders have been a leading provider of financial services for years, with 950 locations across the United States.

Credit from $100 to $5,000 is available to the customer, with a period of up to 3 months. In addition, the company offers a wide range of products, including auto loans, mortgages, and credit cards.


CheckIntoCash - Offer the most prominent credits

Check into Cash payday lenders have been found to offer one of the most prominent credits. With this company, it is a must for the borrower to have a regular credit score for approval. A personal guarantee may also be required for the credit.

With CheckIntoCash, you can get a loan of $100 to $1,000 with an APR of 400%. Although, in some states, it may be up to 1,000%. The loan cost is between $10 and $30 for every $100.

Check into Cash allows getting the request approved in less than 48 hours.


  • Fast approved.
  • Flexible loan option.
  • Loans up to $1,000 depending on the state.


  • High APR.
  • Period for around 14 days.

If you’re considering taking out a small credit, this option is ideal for you. You can quickly repay the California payday loan and avoid paying interest.

Cash Central

CashCentral Loans

With Cash Central payday lenders, you can apply for a loan and have access to your funds immediately. You can apply and get your payment immediately without waiting for business hours or for the bank to open.

In Cash Central, the range of loans you can get is between $300 and $5,000 and can get for 1 year. The APR here is 90.38%. Although, it can depend on the state ( up to 2,463.75%). The finance charge is $44.98.

You can get a loan within 48 hours with good request information.


  • Easy repeat lending.
  • Flexible payment.


  • High APR.
  • Terms depend on the state.
  • Additional fees (finance charge).

In summary, Cash Central payday lenders are a viable option for taking out a lending. However, please note that they do not operate in every state, and the APR can be pretty high if you are concerned about that.

Check City

Check City Loans

Check City payday lenders is a new networked lender serving the California area. They have credits for any amount for any term available without needing a credit check. This solution is excellent for people who need funding to stay on track.

To get a loan in Check City, consider a 150% to 600% APR. In some cases, it can get up to 1,000%.

Therefore, the maximum amount you can get is $255, which you repay in about a month. In addition, consider the fee charge amount of 17.6% and a non-financial fee of 15%.


  • License provides.
  • State consumer protection.
  • Fast cash transfer.


  • High APR.
  • Additional fees.
  • Only four states are covered.

Finally, if you are looking for a reliable and trustworthy California payday loan service, you can confidently choose Check City payday lenders. With years of experience in the industry, Check City is a trusted name that you can rely on for all your lendings.

Get Payday Loans in California

What Are Payday Loans?

California loan is an emergency short-term cash loan for use as a one-time financial solution.

When you are strapped for cash or living paycheck to paycheck and need emergency cash to cover emergency expenses, borrowing can provide the financial relief you need.

Lending can be granted without the need to show any proof of income or credit checks. However, they are usually due within a few weeks, and the borrower has to pay interest rates that are usually higher than traditional credit.

Lending is often the easiest option when a person is bound and unable to access traditional loans.

How Do Loans Work In California?

When you take out a credit, either you leave a postdated check with the lender or provide them with the checking of your personal information. That way, the lender can handle collections if necessary.

The lender will cash your postdated check or withdraw funds from your card when the California loan period expires (usually one month or less).

But what happens if you’re not able to pay back the loan?

When this happens, it’s essential to contact your lender immediately so they don’t send a collection agent after you. Most payday lenders will work with you if you let them know that you need to catch up on your payment or may be unable to make it. 

Requirements For Getting Loan Online In California

To obtain a California loan, borrowers must have an active bank account, an active phone number, a home address, and be at least 18 years old. They must also have a regular source of income and meet the lender’s credit criteria.

In general, payday lenders generally allow borrowers to submit a request without providing any credit information. However, if the lender deems the borrower’s credit score insufficient, they may require a guarantor or co-signer.

Depending on the lender, borrowers will have to pay a fee of $100 or less. This is called a loan origination fee, and it’s used to compensate the lender for processing and underwriting costs.

The minimum term of a California payday loan is two weeks, after which borrowers can repay their loans in full or extend them for an additional two weeks at their current rate.

How To Apply For Loan Online In California?

You need to follow a few steps to request a California payday loan.

  • Step 1. Check with your state of residence to see if there are any regulations or laws concerning lending in your state.
  • Step 2. Read the credit company’s policy to see if they will work with your state.
  • Step 3. Apply for credit with the company’s website by filling out the required form.
  • Step 4. Fill out the necessary information on the loan form, such as your name, address, and financial history.
  • Step 5. The lender will contact you via email or phone to go over the terms of your credit, including how much they are willing to lend and for how long.
  • Step 6. Agree on a repayment schedule with the lender.
  • Step 7. Get ready to make your first payment by creating a deposit with the lender or by giving them your credit card information so that they can charge your card when payments are due. 

Advantages Of Payday Loans In California

If you need quick cash and can’t afford to wait for traditional credit, a California payday loan may be the solution, and here’s why:

  • Fast and convenient. You can apply for a networked borrowing loan in just a few minutes, and the cash can be deposited into your deposit as soon as the next business day.
  • No credit check. There’s no need to worry about bad credit with borrowing because they often don’t require a credit check.
  • No collateral is required. You won’t have to put up anything valuable like a car or home if you want to get this type of lending. The lender is willing to take a risk on you because they can collect the funds when the California loan is due.
  • Short term. Most lendings are for 1 month, which gives you plenty of time to pay back the cash you borrowed and avoid additional fees or penalties

Advantages Of Payday Loans In California

Disadvantages Of Payday Loans In California

While networked credits can offer a quick and easy way to get financial assistance, there are also some potential disadvantages.

The Potential for Higher Interest Rates

Some payday lenders charge a higher interest rate for California payday loan, which is not subject to the same regulations as traditional loans. For example, it’s illegal for a lender to charge more than $16 per $100 borrowed monthly; however, some payday lenders charge up to double.

The Risk of Being Scammed

There have been numerous cases where payday lenders have taken payment from a potential customer without providing any services or products in return.

The Risk of Credit Card Fraud

An online lending loan provides quick access to cash, but you’ll have to provide personal financial information. If you take out a California payday loan, your lender can steal your credit card information.

Can I Get Online Loan With Bad Credit In California?

Payday loans are expensive because of how short the term is. They are about four weeks, and you have to get it back on your next paycheck. It usually has a high-interest rate as well.

One of the requirements for getting a California payday loan is to have a job, an active credit card, and provide social security number, a driver’s license, and proof of address.

You can apply for lending if you provide a checking profile linked to a job that provides your regular paycheck. It is not a scam, and it’s legal. Only apply for a California payday loan if you’re confident you can pay it back on your next paycheck.

What to Consider When Applying For Loans In California

Although borrowing can provide quick cash, they’re not always the best option. Consider the following things:

Know what you’re getting into

Lending is a small, short-term loan that usually requires no credit check and allows you to get up to $1500. However, the loan has a high-interest rate – usually between ten and fifteen percent.

Know how much you need and why

Before applying for a California loan, knowing how much funds you need and why is essential. Paying back a loan with interest is not ideal if you’re in debt, as you’ll have to use that funds to pay off your other debts.

Consider other options before taking out a credit

Personal loans from banks or credit unions are one of the alternatives to lending. However, if you have bad credit, it’s best to use a secured loan rather than a California loan.


What is the easiest loan to get approved for a loan in California?

The most common loan types are personal loans and small-dollar loans. Personal loans are the easiest to get approved for, as most payday lenders require just a basic credit check. Small-dollar loans are also easy to get approved for, as payday lenders only look at the applicant's income and credit score.

Why is it so hard to get a credit in California?

Payday lenders are typically not willing to give you a California payday loan if they don't think you will be able to repay it on time. Additionally, payday loans are often considered unfairly predatory, which means they are designed to trap borrowers in a cycle of debt.

What is the best loan in California?

Lending Club lender charges an interest rate of just 9.99% on their loans, which is much lower than the other available through network payday lenders. Additionally, this lender offers several repayment options, including installments and direct debit payments.

Do payday loans in California affect credit scores?

Non-repayment of credit can result in your credit history being sent to collections and the outstanding balance being reported to credit agencies. This will hurt your credit score.

How to pay off credit fast?

First, try to find a loan that has a shorter repayment period. This will help you repay the loan faster and save you funds in the long run. Second, make sure you use all available resources to repay the loans. Lastly, ensure you are always aware of your loan payments and how much you currently owe.