Online Payday Loans in California
- No Hard Credit Inquiries Performed
- Cover Unplanned Expenses
- Bad Credit Report OK
- Professional Direct Lenders
- Reasonable APRs
- No Additional Fees
If you are a California resident, welcome to 1FirstCashAdvance! We’ll connect you to hundreds of lenders in your state. You can get up to $1,000 as California payday loans. Apply today on our website and pay for your emergencies as quickly as possible. No paperwork and no hassle!
Payday loans are legal in California (CA, 06) and regulated by the Civil Code 1789.301 and the Financial Code 230002 to 23106. The minimum amount is $100, and the maximum amount you can borrow is $300. The NSF fee is legal, and it consists of $15. In CA, borrowers may repay the online payday loans from 14 up to 31 days with a maximum APR of 459%.
The number of simultaneous loans is only once a month per borrower. That is why there are no rollovers permitted to avoid the debt circles. But in California, there is a voluntary repayment plan.
How Do California Payday Loans Work?
In California, online cash advances work the same as other loan products. Consumers apply online on our website by filling in the application form with their contact details and submitting it. We will send it to our lending partners that will review your request. You’ll receive an answer on your loan approval. Don’t worry; it takes minutes to get an instant approval decision via Email.
If a lender approved your loan request, you both would sign the agreement online after you discussed all the terms and conditions. After these formalities, the lending company will transfer your California payday loan on the next business day or even sooner. Also, once the next paycheck reaches your bank account, the loan provider will withdraw the loan amount from it. You don’t have to stay in line to pay it back. Everything is online and 100% safe for all customers.
1FirstCashAdvance works only with a network of trusted direct lenders that provide quality financial products for borrowers who need emergency cash. If you are one of them, be sure you’ll get reasonable interest rates and flexible repayment plans.
What Are the Alternatives for California Payday Loans?
Our lending partners provide many other options for borrowers. One of the most popular alternatives is installment loans. This financial product is available for all consumers who need more than $1,000. They can borrow up to $5,000 with a minimum term of 2 months and a maximum term of 24 months. The main advantage is that you can pay it back with monthly payments, which are parts of a flexible repayment plan.
People tend to use installment cash loans to pay for more significant expenses like house renovations, holidays, extensive car repairs, etc. Are you looking for more cash to cover your unexpected bills? Great! Use installment cash advances and make it possible till your next payday. You’ll save your budget with flexible payments and reasonable fees.
Requirements of Getting a Fast Payday Loan in CA
Before applying for payday loans in California, borrowers should meet several eligibility criteria. As they are basic, almost all consumers may qualify for payday cash advances. So, if you need extra cash and you live in California, check the following requirements:
- Be 18 years old or more.
- Be a US citizen.
- Have a steady income.
- Have an active bank account.
- Have an active Email address and phone number.
How To Apply for Online Payday Loans from Direct Lenders in California?
The online loan application in California is the same as in other states. Here are the simple steps to follow when applying for online payday loans:
- Press on the “Apply now” button.
- Fill in the application with the following: personal information, contact and employment details, deposit information.
- Once you verified these details on rightness, submit the loan request.
- Within minutes, you’ll get an answer on your application.
Make sure you read our Legal Information before submitting your application. As the process is simple and straightforward, you won’t have to waste time on needless paperwork and faxing. It is available 24/7 and perfect for everyday Internet users.
Online Payday Loans for Bad Credit Score
Consumers with a poor credit history are welcome to apply for online payday loans in California. Their bad credit isn’t a reason to give up when looking for emergency cash. Our lending providers ignore the low FICO score of borrowers. They review the general information of your current financial condition.
Just prove your steady income, and that’s it! You are free to get funds even with a bad credit report. Make sure you increase your chances of loan approval by checking your valid information.
Payday Cash Advances with No Credit Check in CA
Most lenders in California don’t run hard inquiries on borrowers’ credit history through those three main credit bureaus. These checks are called “soft credit checks” because of their simplicity. Direct lenders just assess the repayment risk by performing a light review on credit reports. So, don’t worry if your credit history is less-than-perfect. As there is a high approval rate, you’ll get an instant approval decision within minutes for your payday loans with no credit checks performed.
Reasons to Choose 1FirstCashAdvance
As a connecting service, we aim to provide you with the most pleasant borrowing experience for our customers. Here is the list of your benefits if you apply now:
Easy application process. The form is simple and available 24 hours and seven days a week. Just fill in with the valid information and submit it with no faxing.
One request form – hundreds of lenders. A single application form is enough for you to connect with our loan partners. You’ll have the possibility to compare many loan offers and choose the suitable one.
Reasonable interest rates. Through the list of many financial offers, you’ll undoubtedly find the one that best fits your needs.
Transparent and safe borrowing process. There are no third parties between you and your lender. The process of getting a payday loan is straightforward and 100% secure with us.
No additional fees charged. We don’t charge any extra fees for our services during the borrowing process. Be sure that your loan won’t cost you extra dollars while you benefit from our financial services.
Apply for Quick Payday Cash Loans with Instant Approval Decision
Stop waiting for miracles and solve your problems with money today. Complete the application form with your contact details and submit it. We will do the rest! Get ready to spend your payday loan as you wish on the next working day.
Frequently Asked Questions
In California, you may get a guaranteed approval decision on your cash advance. No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.
All the cities of California are available for consumers to borrow the payday loans they need. But the most popular cities are: Imperial, Madena, Tulare, Merced, Kings, Fresno, Kern, San Joaquin, Humboldt, Shasta, Butte, Monterey, Yolo, Solano, San Luis Obispo, Santa Barbara, Ventura, Sonoma, Placer. If you’re a resident of one of these cities, feel free to apply for online payday cash loans.
When applying online for payday cash loans, you receive an answer within 1-hour, but it depends on your lender. It may take less time for them to give you a loan decision. However, you’ll access your money on the next business or even sooner. Thanks to cut-off times, you might get your same day payday loan. If you apply before noon, the lender will transfer the money on the same day. But if you filled in the application form in the afternoon, prepare to access your loan only on the next working day.
Don’t search for in-stores and make it happen online. It is safe and accessible for all borrowers. You won’t have to stay in line to apply with a folder full of needless documents. Looking for payday loan stores open now? Apply online on our platform and access your funds as soon as possible.