California Payday Loans
- Apply online or in-store
- Loans up to $255
- No credit check
- Same-day options
- Funds from a direct 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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Online Payday Loans in California
1F Cash Advance helps thousands of Californians get emergency cash for their urgent expenses. We offer fast, short-term loans with no impact on your credit score. Apply for a $255 payday loan online, receive a guaranteed loan decision within an hour, and get the money deposited directly into your bank account.
What Do You Need to Apply?
Here’s what you need to start your payday loan process:
- 18+ years of age
- Valid ID and SSN
- Active bank account
- Email and phone number
- California residency
- Proof of steady income
How It Works
Getting a California payday loan with 1F Cash Advance is fast, simple, and safe. Here's how the process works:
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Submit your application. Fill out an easy online form or visit our nearest location. It's quick and secure.
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Receive a loan decision. Applications are reviewed in minutes, so we'll let you know whether you qualify instantly.
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Get the funds. Upon approval, the money will be distributed to your bank account on the same day.*
*Loan agreements originated before 10:30 am PT on working days can be funded on the same day. Applicants approved after 10:30 am PT and on weekends will be processed on the next business day.
1F Cash Advance Offers Two Ways to Receive Your Loan
Choose your convenient funding method depending on how you apply:
- In-store pick-up for borrowers who apply at our location
- A direct deposit into a bank account overnight for online applicants
Our Locations in California
We deliver emergency assistance across the state. Check out the list of our locations and visit the nearest one to get a payday loan in California:
California Rates & Terms
Payday loans are considered deferred deposit transactions and are governed by the California Deferred Deposit Transaction Law. The maximum check amount is $300, which consists of a $255 loan and a $45 lender’s charge. The minimum loan term is 14 days, while the maximum repayment period is 31 days.
California payday loan FAQ California License
Here are fee and APR examples of deferred deposit transactions:
| Loan Amount | Finance Charge | Check Amount (Total Payment) | APR (for a 14-day loan) | APR (for a 31-day loan) |
|---|---|---|---|---|
| $100 | $17.64 | $117.64 | 459.9% | 207.7% |
| $200 | $35.28 | $235.28 | 459.9% | 207.7% |
| $255 | $45 | $300 | 460.08% | 207.78% |
Customer notice: Payday loans are designed for short-term financial needs only. Read the terms of your loan agreement carefully and make sure you understand them before signing. The APR may be as high as 460%.
Why Choose 1F Cash Advance?
We are a licensed loan company that helps people find emergency loan solutions that work best for their situations. Here’s why Californians opt for 1F Cash Advance:
Easy Application Process
1F Cash Advance stands for easy financial solutions. We keep the process of getting a loan fast, simple, and safe for our customers. You can complete your application in just 5 minutes from the comfort of your home.
Top-Rated Customer Service
Our expert team goes above and beyond to help you with all your money needs. Call our representatives at (720) 428-2247, email us at [email protected], or fill out a feedback form on the website if you have any questions.
Legitimate Financial Assistance
We are a state-licensed service that follows all California rules and regulations to ensure your safe borrowing experience. By working with us, you deal with a legitimate company that cares about your financial future.
Customers Trust Us
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
Can I get payday loans with bad credit?
You're welcome. 1F Cash Advance looks beyond just your credit profile. There's no denial based on your credit score, making our payday loans income-based solutions. While conventional direct lenders only assist California residents with a score of at least 670, we make financial support available to those with bad or no credit.
How long does it take to receive money?
Funding is typically made as soon as the next business day of approval. Same-day funding may be possible if you finalize your loan before 10:30 am PT on a weekday. Borrowers who apply for a loan in a 1F Cash Advance store can get cash right away if they provide a post-dated check on the full repayment amount. You may also qualify for an online payday loan with instant funding if you have an eligible debit card in California.
How much can I borrow in California?
The maximum amount you can borrow with a payday advance loan in California is $300, including fees. As the finance charge is limited to $45, you can get up to $255 on hand.
Will a loan application affect my credit score?
1F Cash Advance doesn't perform a hard credit check as part of the verification process. We assess your income, payment history, employment status, and current debts via third-party sources, which is called a soft credit inquiry. Such a pull doesn't affect your credit.
What if I don't repay my loan?
If you can't repay your loan on time, a bounced check or NSF fee of up to $15 may apply. California law allows you to request an extended repayment plan without extra fees, but lenders are not required to approve it. You may receive notifications to help arrange payment. If your loan becomes delinquent, it may be sent to collections, and late or missed payments can be reported to credit bureaus, affecting your FICO score.