California payday loans
California payday loans

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
  • Payday Loans Near Me

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Payday Cash Loans for California Residents

California $255 payday loans online are available for CA residents with all types of credit scores. No hard credit checks are performed for California borrowers. Get an instant approval decision and cover your needs.

Table of Contents

California Payday Cash Advances – Terms and Interest Rates

If you are a California resident, welcome to 1F Cash Advance! 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?

Payday loans CA guaranteed approvalIn 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. This concept is the same for payday loans in Washington. Everything is online and 100% safe for all customers.

1F Cash Advance 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.

Fees and Charges of Payday Loans in CA

In California, you’ll be charged $17.65 per every $100 borrowed. Plus, 15 percent of the face value of the check. These charges may vary by lender but don’t hesitate to shop around and get the best deal for your loan before starting the borrowing process.

Representative Example of a California Payday Loan

A 14-day payday loan of $255.00 has an APR of 459.88% and a finance charge of $44.98. So, the amount of the check will be $299.98. This sum doesn’t exceed the total amount of a payday loan which is somehow restricted by the law. See below the table with other APR examples.

Amount Borrowed Fees APR Amount Due
$100 $17.65 214.72% $117.65
$150 $26.47 214.71% $176.47
$200 $35.29 214.68% $235.29
$250 $44.12 214.72% $294.12

What Are the Alternatives for California Payday Loans?

1-hour online payday loans California
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.

Applying Steps for Online Payday Loans from Direct Lenders in CA

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:

  1. Fill in the application with the following: personal information, contact and employment details, deposit information.
  2. Press on the “Apply now” button.
  3. Once you verified these details on rightness, submit the loan request.
  4. 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.

Bad Credit Online Payday Loans - Discover Your Solution

Consumers with a poor credit history are welcome to apply for online payday loans in California, or for Pennsylvania payday loans. 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.

Easy Cash Loans in CA – Apply Now

Need cash as soon as possible? 1F Cash Advance helps you to connect with California direct lenders. They are ready to provide you with loan offers that will suit your needs. California cash loans have the best interest rates and flexible repayment terms compared to other states. Don’t hesitate to apply for cash loans in California and get the necessary amount to cover your unexpected expenses.

Find Online Payday Loans in the Following CA Cities

1F Cash Advance wants to help consumers all around the California State to discover the best financial solutions. That is why we provide online payday loans in the following cities:

Los Angeles San Diego San Jose
San Francisco Fresno Sacramento
Long Beach Oakland Bakersfield
Anaheim Stockton Riverside
Santa Ana Irvine Chula Vista
Fremont Santa Clarita San Bernardino
Modesto Moreno Valley Fontana
Oxnard Huntington Beach Glendale
Santa Rosa Elk Grove Ontario
Rancho Cucamonga Oceanside Lancaster

Reasons to Choose Us for your Payday Loan in CA

Direct lender installment loans California1F Cash Advance has been one of America’s most trusted sources for cash advances for many years. We have connected millions of consumers and continue to connect them with trusted lenders. Our team is aware that there are a number of other similar channels that a person can use to get an emergency loan. However, here are a few reasons why 1FirstCash Advance should be your first stop for a safe, fast and reliable loan.

Security. 1F Cash Advance is certified by three completely independent services to ensure that personal information is always safe. We use encrypted technology to keep your data safe with us.

Choice. By deciding to use 1F Cash Advance, you are actually doing what is called comparative shopping from your PC. We help you find the best rates and borrow in the fastest, most convenient way.

Best Competitiveness. Our partners know this is just one of many choices you have. That’s why they also make sure that their prices are low to grab your attention. Because every lender lowers their rates to be competitive, you win! And we help you find the lowest prices.

Convenience and Speed. If you currently have a bank account in addition to other personal information, the next step is to complete the application and then determine which lender is best for you to do business. Better than randomly looking for a lender. With 1F Cash Advance you can get your loan online from the comfort of your own home.

Payday Loans Near Me in CA

If you are looking for “payday loans near me” on Google, stop your searches because you are in the right place. 1F Cash Advance is here to find hundreds of lenders near you ready to provide you with payday loans with reasonable interest rates in your state. Feel free to browse our website to find out more information about California payday loans.

Instant Approval Decision Quick Payday Cash Loans – Get One Now

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 in CA as you wish on the next working day.

If you have questions about California payday loans, drop us a line to request all the needed details about the lending process in this state. We are here to assist you in this matter and ensure you the most pleasant borrowing experience.

In-Store Payday Loans California

Got unexpected expenses? Get a payday loan from our office in California. Bad credit is ok. Our team will provide you more information on the high-risk loans we provide our customers. Get a transparent offer with clearly stated terms and conditions. Additionally, our branch manager will ensure you get all the information you need to make an informed decision.

Payday loans Sacramento California
Cash advance in Sacramento, CA
1F Cash Advance payday loans California

1F Cash Advance Payday Loans Store Location in Sacramento, California

Branch name: 1F Cash Advance California

Address: 1742 Watt Ave, Sacramento, CA 95825

Phone: (916) 619-4009

Email: [email protected]

Branch Manager: William Perryman

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

The store at 3176 W Arden Way, Sacramento, CA 95825 is permanently closed.

Find a Payday Loan Store Near Me

Get a customized approach at any of our in-store locations. Not in California? No worries. Visit our office in Florida, Illinois, Missouri, New-Jersey, North Carolina, Ohio, Tennessee, Texas, Wisconsin. We will provide you with top service, regardless of location.

Feel free to ask for all the necessary information regarding payday loans both in California and in other states. Our customer care agent will help you get the best solution to solve your financial problems. Apply today in a store for California payday loans and pay for your unplanned expenses.

Cash Advance Services

Payday Cash Advances in CA

Our most popular products are payday loans of up to $1,000 that eligible borrowers can apply for. Customers have the option to choose from flexible amounts. Request a loan of $250, $300, $500, $550, $700, $900, or $1,000 online or in-store. State restrictions may apply to cap amounts. Loan terms of up to a month allow clients to repay their debt quickly.

Installment Loans in CA

1F Cash Advance provides installment loans that you can pay back in fixed monthly payments. This is an ideal solution for those who need more time. Amounts of up to $5,000 are available for customers looking for a quick loan. Bad credit is not an issue for installment loans. You will get an almost instant loan decision and guidance throughout the entire process, regardless if you apply via a smartphone or in person at one of our offices. These basic requirements make installment loans easy and affordable for any resident of California.

Check Cashing in CA

Most of our retail locations will offer a check cashing service. It is a convenient option for customers who need cash on the go. No long lines at the bank, no checking account needed. Get your cash in minutes.

Frequently Asked Questions

Is 1F Cash Advance licensed?

1F Cash Advance Financial Help, LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

What are the other states in which you provide online payday loans?

We provide online loans in the following states: Arizona, Oregon, Nevada, Washington, Utah, Idaho.

Is 1F Cash Advance working with licensed direct lenders only?

We work only with a network of trustful and licensed direct lenders that operate according to lending laws of California. Feel free to ask for all the needed information about our lending partners.

Guaranteed approval for payday loans in California. How to get it?

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.

In what cities of CA are payday loans available for consumers?

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.

Are there 1-hour payday loans available in California?

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.

Are there CA payday loan stores near me?

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.

I need the best payday loans in California. Where can I find them?

The best payday loans in California are those that have the most reasonable interest rates and a flexible repayment schedule. Also, the average percentage rate shouldn’t exceed 459%. To get the best loan in California, shop around and get the loan offer that suits your expenses.