California payday loans
California payday loans

Online Payday Loans in California

  • Fast Approval
  • Instant Same Day Loan Funding
  • Bad Credit Report OK
  • Bad Credit is Allowed
  • No Hard Credit Checks!
  • Get up to $255 Dollar Loan Near Me
  • Direct Lenders Only

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Online Payday Loans for California Residents

In California, residents may get from $100 up to $255 payday loans online with all types of credit scores. Also, there are no hard credit checks performed for California borrowers. With 1F Cash Advance, the loan request process takes only five minutes. More than that, you’ll receive the same-day approval decision.

California Payday Cash Advances – Terms and Interest Rates

Payday loans are legal in California (CA, 06) and regulated by Civil Code 1789.301 and Financial Code 230002 to 23106. The minimum amount is $100, and the maximum amount you can borrow is $300 ($45 from this amount goes to the direct lender). The NSF fee is legal, and it consists of $15. In CA borrowers may repay online payday loans from 14 days up to a few weeks with a maximum APR of 459%.

The number of simultaneous loans is only once a month per borrower. The single payment loan must be paid in full before a new loan can be instituted. That is why there are no rollovers permitted to avoid the debt circles.

How Do California Payday Loans Work?

Consumers apply for payday loans online (California) 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. If a lender approved your loan request, you both would sign the loan documents online. The lending company will transfer your California payday loan on the next business day or even sooner.

Fees and Charges of $255 Payday Loans in CA

In California, you can borrow up to $300. You’ll be charged $17.65 per every $100 borrowed. Plus, a lending fee of 15% from your loan amount, but this charge varies by lender. For example, if you apply for a $300 loan, you pay $45 in fees and receive a loan of $255. Plus, if you default the loan, some additional penalties may be applied.

The maximum annual percentage rate may reach 459% and collection fees are $15. Also, in California, you can’t renew your payday loan because it is prohibited, according to the CA lending law.

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. The amount of the check will be $299.98. This sum doesn’t exceed the total amount of a payday loan which is restricted by the law. See below the table with other APR examples.

Loan Amount 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
$255 $44.98 214.61% $299.98

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 loans for bad credit and make it possible till your next payday. You’ll save your budget with flexible payments and reasonable fees.

Requirements of Getting the Best Payday Loan in CA

Before applying for California payday loans, borrowers should meet several eligibility criteria, which are basic, almost all consumers may qualify for the best payday advances.

  • Be 18 years old or more.
  • Be a US citizen and California resident
  • 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.

Best 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 the best emergency money loans. Our lending providers ignore the low FICO score of borrowers and review the general information of your current financial condition.

At 1F Cash Advance, their loan providers check your credit through alternative credit companies, not through major credit reporting bureaus: TransUnion, Equifax, and Experian. So, be sure that loan requesting through our platform won’t affect your credit score at all.

Payday Cash Advances Up to $255 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.

Find the Best $255 Payday Loans Online 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

1F Cash Advance has been one of America’s most trusted sources for cash advances for many years. Here are a few reasons why our platform should be your first stop for a safe, fast and reliable loan.

Convenient and Simple Application Forms. If you are looking for a convenient way to get money quickly, apply online today! We have a simple online application that you can complete in minutes.

Quick Approval Decisions. We understand how important it is to get a fast answer. That’s why our licensed lenders offer quick decision times when you apply for a loan with us.

Available 24/7. Apply for a cash advance online 24/7 and get the money you need in your bank account as soon as tomorrow.

Transparency. All loan agreements and transfers from loan providers must be transparent. That’s why, the loan documents of our lending partners are brief and simple to understand.

Get Quick Payday Cash Loans with Instant Approval Decisions

Getting a payday loan may be challenging, but borrowing through us saves you time and helps you avoid frustration. At our in-store locations, the managers will provide you with expert advice and financial assistance. The application process for a cash advance will be easy and you’ll receive your money within 24 hours. Check A+ ratings that prove our quality service.

Discover Payday Loan Stores of 1F Cash Advance in California

Getting a payday loan may be challenging, but borrowing through us saves you time and helps you avoid frustration. At our in-store locations, the managers will provide you with expert advice and financial assistance. The application process for a cash advance will be easy and you’ll receive your money within 24 hours. Check A+ ratings that prove our quality service.

100 S Main St, Orange, CA 92868
[email protected]

1742 Watt Ave, Sacramento, CA 95825
[email protected]

910 Hale Place #204, Chula Vista, CA 91914
[email protected]

433 S. Spring St. unit 900, Los Angeles, CA 90013
[email protected]

30 River Park Pl W #390, Fresno, CA 93720
[email protected]

6423 University Ave, San Diego, CA 92115
[email protected]

1601 Panama Ln Ste D112, Bakersfield, CA 93307
[email protected]

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

Find a Payday Loan Near Me

Get a customized approach at any of our in-store locations. 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. Access the page of every state and check the lending regulations to avoid further issues during the borrowing process. If you have questions about payday loans, our customer service is ready to provide you concise answers. Find a loan near you, get approved today, and cover your expenses.

Frequently Asked Questions

Is 1F Cash Advance licensed?

1F Cash Advance LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the California Department of Financial Protection and Innovation.

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.

How do I apply online for a payday loan in California?

You can make it online, because it’s the easiest way to manage the whole borrowing experience and lending activity. First step is to access the apply form and enter personal data and financial information. Then choose the loan amount you want and the repayment schedule. After this, submit the loan application.

How much can I borrow with a payday loan in California?

You can borrow up to $255 in California.

If approved, when will I receive my funds in California?

It depends on the lender’s cut off times. However, if you apply before 10:00 AM, the lender may transfer the money by the end of the same day. But if you receive the approval in the afternoon, you’ll receive your money within 24 hours.

Can I renew a payday loan in California?

According to the Financial Code 230002 to 23106, loan renewals are not available in California.

Can I go to jail for not paying a payday loan in California?

You can't be arrested in California for failing to pay personal debts. But if the lender sues you for payday loan debt, and you didn’t comply with a court order, you can go to jail. The process may take from several months to 3 or 5 years.

How do I pay my loan back?

You can set automatic payments so that lender will withdraw the loan amount and its interest rates from your bank account on your next payday or due date.

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

In California, you may get a guaranteed approval decision on your cash advance online. No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.

Latoria Williams

Written by: Latoria Williams

Updated: Dec 4, 2023