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 loan decision within an hour, and get the money deposited directly into your bank account.
This guide explains
- How California payday loans work
- Steps to apply online and in-store
- How California law protects borrowers
- Alternatives and tips for safe borrowing
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:
Submit your application
Fill out an easy online form or visit our nearest location. It's quick and secure.
Receive a loan decision
Applications are reviewed in minutes, so we'll let you know whether you qualify instantly.
Get the funds
Upon approval, the money will be distributed to your bank account on the same day.*
*Loan agreements originating 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.
In-store rates 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%.
How California Laws Protect You
In California, payday lenders (also called deferred deposit originators) are licensed and regulated by the Department of Financial Protection and Innovation (DFPI), the state agency that oversees these loans and enforces consumer financial laws.
State law and DFPI rules are designed to give borrowers important protections when using payday loans in California:
- Easy license check. You can verify a lender’s DFPI license and see if they have disciplinary actions on the DFPI website before you borrow.
- Strict limits on amounts & fees. California caps the payday loan check amount at $300, and lenders can charge at most 15% of the check (up to a $45 fee).
- No new loans to pay off existing loans. A lender cannot give you a new payday loan to pay off an existing one, or issue another loan while you still have a current payday loan with them.
- Clear disclosure of costs. Payday lenders must prominently post their California license and a fee schedule at every physical location and online.
- Cap on bounced-check fees. If your check bounces, the lender may charge only one returned-check fee of up to $15. However, your bank may charge its own NSF fee.
- Limits on extra charges. Lenders can’t add extra fees just because you request a payment plan, even though they are not required to agree to your request.
- Language and legal protection. Your payday loan contract must be provided in your primary language. Lenders cannot threaten criminal prosecution over unpaid payday loan debt.
- Help from DFPI. If you think a lender has broken the law, you can contact the DFPI to file a complaint.
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.
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 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 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.
Can I have more than one California payday loan at a time?
Under California law, a licensed payday lender may make only one payday loan at a time to a consumer. This way, you can not get a new payday loan while an existing one is still outstanding or use a new loan to pay off an old one.
What if I change my mind and decide I want to cancel my payday loan in California?
If you change your mind after applying, contact us as soon as possible. In some cases, you may have a specific period, for example, 2 business days, to cancel your loan without penalties. Alternatively, you can pay off your loan early. California payday lenders are not allowed to charge prepayment penalties.