What you need to know about getting a cash advance in California
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California cash advances

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Here’s what you need to know if you’re considering applying for a cash advance in California.

If you have less than perfect credit and find yourself in a financial emergency, you might be looking for an alternative to traditional bank loans. A payday loan, or cash advance, could get you through this rough patch, but understanding how these types of loans work is important. This guide will give you the information you need to make your decision. The most important thing to keep in mind is that a payday loan is a temporary fix, not a long-term solution.

Check into Cash Payday Loan

Check Into Cash Loans

Check Into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    A selection of payday loans you can apply for

    Rates last updated June 25th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    Are cash advances legal in California?

    Yes, cash advances, also referred to as payday loans, are legal in California. The California Deferred Deposit Transaction Law sets regulations that govern the functioning of all cash advance providers here. Some of the regulations include:

    • All providers of California cash advances must have valid licenses to operate in this state.
    • The maximum you can borrow through a cash advance in California is $300.
    • The maximum loan term is 31 days.
    • Cash advance providers in California cannot initiate criminal proceedings against borrowers to collect unpaid loans.

    What is a payday loan?

    A payday loan, also known as a cash advance, is a short-term personal loan (typically $500 or less) that usually must be repaid in full within two weeks to a month. The repayment date is determined by your pay schedule. Because payday loans come with steep finance charges, it is not a long-term solution, but a temporary fix to an unexpected financial situation. Rules and regulations for payday loans vary from state to state, and are even not permitted in some states.

    Why you might consider taking out a cash advance in California

    Here’s why California cash advance loans continue to remain popular:

    • Multiple options. When you’re looking for a cash advance in California you get to choose from a range of options. These come in the form of lenders that have physical locations as well as loan providers that limit their presence to the online world.
    • Bad credit is OK. A low credit score can work against you when it comes to getting a loan from a bank. If you have poor credit, you can consider applying for a cash advance, provided you can demonstrate your ability to repay.
    • Easy application process. Apply online or in person. In both cases, completing the application should take no more than a few minutes.
    • Get money quickly. If you submit your application at a store and are approved, you will get the cash you need as soon as you accept the loan’s contract. With online cash advances in California, some lenders transfer approved funds into borrowers’ bank accounts within one business day. Others may require you to wait longer.

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    What fees can I be charged with a cash advance in California?

    If you get a cash advance in California, know that state laws have restrictions in place to protect the interest of borrowers. Here’s what you may have to pay in different scenarios:

    • Maximum finance rate and fees. The maximum fee a lender can charge is limited to 15% of a check’s face value. The finance charge for a 14-day $100 loan is limited to $17.65. The maximum APR for a 14-day $100 loan is 459%.
    • Collection fees. A cash advance provider can charge an insufficient funds fee not in excess of $15, and only once. You don’t have to pay any fees for a late payment.
    • Rollover fees. While a lender may allow an extension or a payment plan, it cannot charge any additional fees or charges.

    How do I apply for a cash advance in California?

    You can apply for a cash advance online or by visiting a store. In both cases, you have to meet some eligibility criteria, which includes:

    • You are at least 18 years old
    • You are an American citizen or a permanent resident of the U.S.
    • You have a steady source of income

    Completing the application successfully requires that you provide this information:

    • Your name and contact details
    • Your Social Security number and details from an acceptable form of ID such as your passport or driver’s license
    • Your employer’s name and contact details
    • Details about your income

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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