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Compare short-term loans in Los Angeles

New laws make borrowing larger amounts more affordable.

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

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Name Product Filter Values Loan amount Turnaround time Requirements
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$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.
EarnIn
Not rated yet
EarnIn
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Cleo
Not rated yet
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Albert
Not rated yet
Albert
Up to $250
2–3 business days or instant for a fee
Checking account 2+ months old receiving direct deposit, 2+ months working for the same employer, positive account balance, most recent paycheck was on-time, funds still available in bank account 24 hours after most recent payday.
Get up to $250 overdraft protection if you sign up for Albert's banking app.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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.
Fig Loans Installment Loans
$50 to $100, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.
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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.

Frequently asked questions

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