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Payday loans for february 2023 in the California

Payday loans
Apply for a payday loans in California from companies verified by our specialists. On 07.02.2023 you have access to 14 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: 14

Updated:
17.01.2023
12:58
Need Money
PlanBLoan
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
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
Submit one loan application online!
Submit one loan application online!

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

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
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
Speedy Cash
Installment 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.

3.75
Recommended FinScore™
0
300
650
1000
$50-$26,000
Rate
i

Effective interest rate on the product

up to 460%
Term
i

Loan term for the financial product

up to 24 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
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
Liberty Lending Group
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
$2,000-$100,000
Rate
i

Effective interest rate on the product

up to 29.99%
Term
i

Loan term for the financial product

up to 60 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

Calculate the payday loan payment in the California

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

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Interest rates on payday loans in various US states

The legal status of payday loans in the USA

A payday loan is an expensive short-term financial solution. Some lenders call it cash advance. Typically, a borrower repays it on their next payday. We recommend getting payday loans only to cover unexpected expenses and emergencies. Each state regulates payday lending to protect its residents from predatory lending. Payday loans amount, interest, and fees must not exceed the value under your state law. More

Online application for a payday loan

Loan amount
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Enter the desired loan amount

200 $
2500 $
Loan term
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Specify the loan term for the calculation

1
30 days

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

Online application for a payday loan
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.

121 $

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Other types of loans

How to get payday 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

Payday 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 California payday loan?

If you live in California and need money quickly, one thing you can do is apply for and get a payday loan from a local lender. However, you should know the maximum amount you can borrow through a payday loan in the state of California is $300. 

Payday lenders can levy a fee of up to $45 (or 15% of the check's value). If you borrow money for two weeks at a rate of 15%, your APR will be 460%. 

If you need cash quickly, you don't have to turn to payday lenders for loans with extremely high interest rates. There are other possibilities, such as personal loans from lenders who will work with borrowers whose credit is less than flawless, cash advance apps, and payday alternative loans from federal credit unions.

Pros and cons of payday loans in California

Pros

  • There are plenty of companies that offer cash advances and guarantee a loan decision within the next business day.
  • There are fewer restrictions with these loans, which helps you borrow cash faster.
  • Payday loans don't need a stellar credit score. They won't affect your credit score in any negative way because they won't be pulling your credit.
  • Payday loans are unsecured, so the lender is prohibited from taking legal action to repossess your property.

Cons

  • Payday loans carry extremely high interest rates in triple digits.
  • Any time you "roll over" (extend) a payday loan, you'll be hit with new fees that will make borrowing money more expensive.
  • You only can have one loan from a payday lender, and the fee you are charged cannot be over 15% of the amount of the check (up to $45).

    How to get a payday loan in California?

    A traditional lender will check your credit and ask for personal information to see if you can pay back a loan. Applications for payday loans typically require the applicant to:

    • Be 18 or older to participate
    • Use a valid Social Security number or government-issued identification
    • Maintain a steady stream of revenue through work or other means
    • Maintain an operational bank account.

    How to pay a California payday loan back?

    In California, the maximum number of days to pass before the borrower is required to make a repayment on a payday loan is 31. There are no costs for rollovers or extensions. You can ask for a longer time to pay back your loan, but the lender is not required to agree to your request. Because they cannot charge you for the additional time, most of them will not bother to do so. Borrow only the amount that you will pay back the entire amount on your next payday, and consider any additional unforeseen needs and alternative kinds of credit. 

    Legal regulations on payday loans in California

    In the state of California, payday lending is still legal, but only in certain situations and under strict rules. Payday lenders in California may make loans with a maximum amount of $300 and a term that can last for up to 31 days. 

    This type of loan is referred to as a "delayed deposit transaction." At any given time, a borrower can pay back only one of their payday loans. Even though the interest fees for a California payday loan with a late balance can't be over 15% of the total check (up to $45), the upfront fees could be the same as a rate that is about 500% higher than that. Additional restrictions on the fees that can be charged apply to military service members.

    FAQ

    Does California allow payday loans?

    Payday lending, under state supervision, is legal in California. Payday lenders in California can offer "delayed deposit transactions" (loans of up to $300) for terms of 31 days or less.

    How much can I get for a payday loan in California?

    In California, a person can only get a payday loan for up to $300. The highest possible cost that a payday lender can charge is fifteen percent of the total check, with a cap of forty-five dollars.

    What is the easiest payday loan to get in California?

    To address unexpected expenses, California residents can consider applying for a payday loan. In California, the most you can borrow is $300, but payday loans usually have high interest rates and short terms for paying them back.