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Loans of february 2023 in the California

Loans
Apply for a loan in California from companies verified by our specialists. On 08.02.2023 you have access to 13 loans with a rate of 0% per day. Increase your chances of getting money — fill out a multi-application with a free credit rating check.

Offers: 13

Updated:
18.01.2023
09:11
Happy Money
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

5
Recommended FinScore™
0
300
650
1000
$5,000 - $40,000
Rate
i

Effective interest rate on the product

up to 24.99%
Term
i

Loan term for the financial product

up to 60 months
MaxLend
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100-$3,000
Rate
i

Effective interest rate on the product

up to 841%
Term
i

Loan term for the financial product

up to 300 days
Need Money
Indy Lend
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Submit one loan application online!
Submit one loan application online!

Use our quick loan matching system with a free credit check!

Opploans
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$4,000
Rate
i

Effective interest rate on the product

up to 160%
Term
i

Loan term for the financial product

9-18 months
Upgrade
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$50,000
Rate
i

Effective interest rate on the product

up to 35.97%
Term
i

Loan term for the financial product

up to 84 months
CashNetUSA
Payday Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.84
Recommended FinScore™
0
300
650
1000
$50 -$500
Rate
i

Effective interest rate on the product

up to 805.28%
Term
i

Loan term for the financial product

up to 30 days
Mariner Finance
Unexpected Expenses
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$25,000
Rate
i

Effective interest rate on the product

up to 35.99%
Term
i

Loan term for the financial product

up to 60 months
SoFi
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$100,000
Rate
i

Effective interest rate on the product

up to 21.78%
Term
i

Loan term for the financial product

up to 7 years
East Line Lending
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$200-$10,000
Rate
i

Effective interest rate on the product

up to 780%
Term
i

Loan term for the financial product

up to 12 months
Avant
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.3
Recommended FinScore™
0
300
650
1000
$2,000-$35,000
Rate
i

Effective interest rate on the product

up to 35.99%
Term
i

Loan term for the financial product

24-60 months

Loans calculator in the California

Calculate your ideal loan with a free credit check in the US, just a few clicks away.

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Enter the desired loan amount

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Specify the loan term for the calculation

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State

Online Loan Application of February 2023

Loan amount
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Enter the desired loan amount

100 $
5000 $
Loan term
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Specify the loan term for the calculation

1
18

You are able to pick a loan for free. You can receive money in: 15m

Online Loan Application of February 2023
Your data is securely protected. Will not affect your Credit Score.
Loan amount
0 $
Loan term
0 months
Loan commission
i

Here is the average overpayment on a loan based on data from lenders in the USA.

91 $

By clicking on "Apply" button I give my consent to the processing of my personal data and agree with 404 Projects LP's Privacy Policy and Terms of Use, also familiar with all the documents posted on Finanso®.

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Other types of loans

How to get a loan?

1. Filled out your application
1. Filled out your application

On our website you can fill out a small application form for a loan.

2. Pass a credit check
2. Pass a credit check

We will offer you to check your credit score online for free.

3. Send your application online to the suggested companies
3. Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

4. Wait for a response from the lender
4. Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

5. Get your loan!
5. Get your loan!

Get the money to a bank account or in cash at a bank branch.

Apply for a loan Your data is securely protected

Loans reviews

Speedy Cash
5
user_111127
user_111127
23.11.2022 at 08:07
A convenient office and friendly service from its employees, I made an application on the website, and I came to their office to get it, because I needed cash...
Review
CashNetUSA
5
user_109355
user_109355
13.11.2022 at 15:49
It is not always possible to meet your budget with unforeseen expenses, so you have to turn to creditors for financial assistance...
Review
Speedy Cash
5
Matwey
Matwey
17.10.2022 at 17:15
It is worth noting that on weekends there is no possibility to issue a loan and you need to take care of this in advance...
Review
Target Cash Now
5
Lane C
Lane C
17.10.2022 at 14:23
I liked using their services, I know that they offer me conditions that will be feasible for the entire period of using the loan...
Review
Ace Cash Express
5
Olga R
Olga R
17.10.2022 at 14:02
The interest rate is high, but not the most exorbitant, but I can use the money for up to six months...
Review
Ace Cash Express
5
Kate P
Kate P
17.10.2022 at 12:24
There are certain requirements and features for registration, in other respects, as with most services, but I did not see any difficulties in registering...
Review

What is a loan in California?

California loans allow state residents to cover their expenses if they don't have enough savings. There are secured and unsecured loans available in California. The loan terms vary depending on the amount you borrow and the lender you choose. 

Typical credit scores required for loans in California are from 580 to 720 FICO. If your credit score is lower, you must consider a bad credit loan, and you will get a higher APR, and the amount you can borrow may be lower. 

To determine if California loans are good for you and what you need to get one, you might want to learn more.

Pros and cons of loans in California

Pros

  • Applying with a legit lender having good credit allows you to get affordable rates

  • Many lenders don't issue any fees and don't report your late payment to credit bureaus

  • You can apply online via the website, phone, or at a local branch.

Cons

  • Lenders are charging hidden fees

  • The interest rate on your loan can be high if you don't have a high enough credit score.

Terms and conditions for loans in California

You can get many loan types in California, and the most popular type here is an installment loan. 

  • In installment loans in California, you can get amounts ranging from $1,000 to $5,000. 

  • Personal loans are unsecured and get up to 100,000. However, the lenders in California will generally offer you up to $10,000. The repayment terms vary from 6 to 18 months.

  • For payday loans, California legislation allows to borrow a maximum of $300, and the APRs are 15% maximum. 

  • Home loan in California generally comes in amounts of $450,000 to $650,000. The Federal Housing Finance Agency establishes the regulations.

Main requirements for obtaining a loan in California

The loan requirements for loans generally include the following:

  • Credit score and credit history. Your credit score must be at least 580 to qualify for a good interest rate. 

  • Sufficient income of $1,000 per month.

  • Debt-to-income ratio. You better have a DTI not higher than 45%-34%.

  • Being a resident of California and of legal age, which is 18 years old. 

The requirements can be extended for a mortgage, car loan, and business loan. 

You must attach the documents to prove you have enough income, valid residence, and bill payments.

Ways to get a loan in California

To get a loan in California, you need to first make sure you have good credit and a stable source of income, prove your identity, and get pre-approved. 

Different loans are available from banks, credit unions, and private lenders. Each lender has its terms and rates, so you must first shop around for loan offers. Talk to a representative with a bank where you have a bank account. Established relationships can help you get through the application process easier. 

If you have a bad credit score, it will be challenging to qualify with a bank. So, you can opt for a credit union. These are non-profit organizations that reinvest back into the organization. They offer lower interest rates to their members and waive fees. 

Private lenders may be dangerous if you won't review the loan details carefully. They may charge higher interest and have numerous fees. When you borrow online, be sure you apply with a legitimate company.

How to repay a loan debt in California?

It is best to add extra money each month to pay back a California loan. If your lender doesn't charge prepayment fees, it may save you money on the interest rate. 

There are many loan forgiveness programs in California. The California State Loan Repayment Program helps with the repayment of educational loans. You won't need to pay back your loan if you qualify for such an institution. 

Loan consolidation helps in case you cannot pay back on time. You take a single loan comprising all your debts and pay it back. A similar alternative is refinancing your loan: you get a new loan for an existing one on better terms. 

In any case, you shouldn't default on your loan and make your payments on time. Otherwise, the lender will sell your loan to the collection agency.

Legal regulations of the loan market in California

CA Codes considers a loan to be a contract by which one party delivers a sum of money to another, and the latter must return at a sum equivalent to that which they borrowed.

California legislation aimed at commercial funding providers, which the United States Government doesn't regulate. They include specialty finance companies, such as merchant cash advance companies. California disclosure requirements apply to transactions from $5,000 to $500,000 in financing for commercial purposes.

The California Consumer Privacy Act creates new consumer rights relating to the personal information collected by businesses in California.

FAQ

Where can I borrow money in California?

You may borrow money from banks, credit unions, and private lenders in California. California Bank & Trust, MoneyGeek, and Moneytree are such options you can consider.

What loans are available in California?

You can get any kind of loan in California, and there are many companies like SoFi, LightStream, and LendingPoint. When you apply for a loan in California, consider the APR, origination fee, funding amount, payoff period, and approval timeline.

What is a loan under California law?

CA Civil Code, section 1912-1916, defines a loan as a contract by which one gives a sum of money to another party, and the latter should return a sum equivalent to the borrowed.