California $255 Payday Loans Online
- No credit check
- Easy qualification
- Same-day funding
- California-licensed lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Need cash now? Get a $255 payday loan online in California with 1F Cash Advance and bridge the gap quickly, with no hard credit pull and no paperwork. Apply in minutes, get an instant decision, and, if approved early, see money in your bank account the same day.
What Are Online Payday Loans?
A California payday loan is a payday advance or deferred deposit transaction. You borrow up to $255, sign an electronic check or ACH consent, and agree to repay the loan plus a flat 15% fee on your next payday.
California state law sets these limits for every lender to operate legally:
- Cap on loan size. Borrowing cannot exceed $300 (principal + fee).
- Cap on cost. The fee cannot exceed 15% of what you borrow.
- One loan at a time. No rollovers.
- Short repayment window. The term ends at your next paycheck and cannot exceed 31 days.
Because the loan is small and short-term, it works best for emergencies – an urgent prescription, an unexpected tow, or a broken water heater right before the weekend. It is not a long-term budget solution.
$255 Cash Advance: How It Works
Whether you apply online or visit a 1F Cash Advance store, getting a $255 payday loan is quick and simple:
Complete a short form
It only takes a few minutes to enter your information. You can also apply in person at one of our California locations.
Apply NowGet a quick approval decision
Our system checks income, account age, and California residency. No hard pull. Approval lands in your inbox within minutes.
Get your money on the same day*
Once approved, the money is deposited via ACH.
*Same-day funding is available for loans approved before 10:30 am PT on business days. Approvals after that time, on weekends or holidays, will be processed the next business day.
What Do I Need Before I Apply?
Here’s what you’ll need to apply for a loan with 1F Cash Advance:
- Personal Info: A valid government-issued photo ID, Social Security number or ITIN.
- Steady Income: Verifiable income of at least $1,000/month
- Banking Details: An active checking account
- Contact Info: A working email, mobile phone number, and proof of California address.
Under the Military Lending Act, we do not lend to active-duty service members or their dependents.
California Rates and Terms
1F Cash Advance offers payday loans in California in amounts between $100 and $255. The finance charge is based on the amount financed. Larger loan amounts result in higher finance charges. Here’s an example:
| Loan Amount | Fee | Total Repayment |
|---|---|---|
| $100 | $15 | $115 |
| $200 | $30 | $230 |
| $255 | $45 | $300 |
Maximum Loan Amount
The maximum payday loan amount allowed in California is $255.
Loan Terms
- Minimum loan term: 10 days
- Maximum loan term: 31 days
Returned Item Fee
If your bank returns a payment (for example, due to insufficient funds), we may charge a $15 returned item fee. Only one returned item fee applies per transaction, even if multiple return attempts occur.
State Regulatory Information
The loan agreement is governed by the California Deferred Deposit Transaction Law. 1F Cash Advance is licensed by the California Department of Financial Protection and Innovation pursuant to this law. For questions or complaints, contact DFPI at 1-866-275-2677 or visit dfpi.ca.gov.
Why Choose 1F Cash Advance
Streamlined Process
A mobile form, instant decisions, and same-day deposits reduce delays and keep paperwork off your desk.
Transparent Pricing
Every fee appears before you accept. No hidden add-ons, no surprise “processing” charges, and clear due dates.
Local Compliance
We follow DFPI regulations and shield every application with 256-bit SSL encryption.
Consumer Notice – Borrow Smart
Payday loans are designed for short-term needs only. They carry higher fees than longer loans. Borrow the least you need, and be sure the full amount fits your next paycheck. Repeated borrowing can lead to debt stress. If money problems continue, consider nonprofit credit counseling.
Scam alert: A real lender never demands upfront payment or gift cards.
FAQ
Can I get a $255 payday loan with bad credit?
Yes. We focus on income and account history, not FICO scores. The credit inquiry is soft, so your score stays the same.
How quickly will I receive my funds?
Finalize before 10 am PT on a banking day, and if you qualify, funds can be transferred instantly. Otherwise, ACH reaches your account the same or the next business day.
What financial services does 1F Cash Advance offer?
In California, we provide $255 payday loans online and installment loans up to $5,000.
How do I repay my loan?
The lender will debit your checking account on the agreed-upon date. In some cases, early repayment is allowed at no extra cost — this will be specified in your agreement.
Where can I get an instant payday loan online?
Right here. Complete the short form, accept the terms, and if approved, receive cash in minutes.