Compare short-term loans in Los Angeles

New laws make borrowing larger amounts more affordable.

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You won’t have to look far to find a short-term lender in Los Angeles. But make sure whichever provider you go with is following the most recent laws if you plan on borrowing more than $2,500.

Can I get a short-term loan in Los Angeles, California?

Yes. Short-term loans are legal throughout California, and lenders in Los Angeles are able to offer them both online and in stores. Plus, thanks to recent regulations, larger short-term loans are now much more affordable.

Payday loans have some strict limits in California:

  • Maximum amount: $300
  • Maximum term: 31 days
  • Maximum APR: 460% for a 14-day $100 loan
  • Finance charge: 15% of the loan amount

You’re also able to borrow installment and auto title loans, and new laws have helped lower the cost. As of September 2019, the Fair Access to Credit Act prohibits lenders in California from charging more than 36% APR on loans between $2,500 and $10,000.

Short-term loan laws in California

Compare providers that offer short-term loans in LA

Updated January 20th, 2020
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
 Check Into Cash Installment Loans
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California
Borrow money with lower payments and more time to pay than a traditional payday loan.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
CashUSA Installment Loans
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Zaplo Installment Loan
As soon as the next business day
Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member
Borrow up to $1,200 — but only if you live in Missouri or Utah.
Jora Installment Loans
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
HonestLoans Installment Loans
Same business day to 1 business days
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.

Compare up to 4 providers

What do I need to apply?

To apply for a short-term loan in Los Angeles, you’ll need to be a legal resident of California and at least 18 years old. You’ll need to provide some basic personal information as well, including:

  • Proof of income
  • Proof of residence
  • Copy of a government-issued photo ID
  • Bank account information
  • Social Security number
  • Date of birth

Where to find short-term loan providers in Los Angeles

Short-term loan locations near me in Los Angeles, CA

  • Payday Express. 3647 South La Brea Ave, Los Angeles, CA 90016
  • Check Into Cash 3829 South, Los Angeles, CA 90008
  • Fast Auto and Payday Loans – Title Loans 1332 E Florence Ave, Los Angeles, CA 90001
  • Cashback Loans 107 N Avenue 64 A, Los Angeles, CA 90042
  • RPM Lenders Title Loans 1245 South La Brea Ave, Los Angeles, CA 90019

Bottom line

You have a variety of short-term lenders to consider if you live in LA. And thanks to state regulations, APRs are capped at 36% for larger installment loans. To learn more about how it all works and compare even more lenders, check out our guide to payday loans.

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