CashWhat Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in California:
How to Get a Payday Loan in California
Applying through Cash Day USA is a quick, simple, and secure process:
Submit Your Application
Fill out our easy online form in just 5 minutes, or walk into any of our 6 California store locations. Provide your ID, SSN or ITIN, proof of income, and bank account details. Fast and fully secure.
Receive a Loan Decision
Applications are reviewed in minutes with only a soft credit check — no impact on your FICO score. We look at your income and payment history, not just your credit rating.
Get the Funds
Once approved and signed, funds are deposited directly to your bank account — same day if approved before 10:30 AM PT on a weekday. In-store applicants can pick up cash immediately with a post-dated check.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
California Rates & Terms
Payday loans in California are classified as deferred deposit transactions and are governed by the California Deferred Deposit Transaction Law (CDDTL). The maximum check amount is $300, which consists of a $255 loan and a $45 lender's fee (15% of the check amount).
The minimum loan term is 14 days and the maximum repayment period is 31 days. A typical 14-day loan carries an APR of approximately 460%.
California law does not permit rollovers. One payday loan at a time per lender is allowed. You may request an installment repayment plan if you are unable to repay on time — no additional fees may be charged for this request.
*The APR may be as high as 460% depending on the loan amount and term. Payday loans are designed for short-term financial needs only.
| Loan Amount | Finance Charge | Total Payment | APR (14-day) | APR (31-day) |
|---|---|---|---|---|
| $100 | $17.64 | $117.64 | 459.9% | 207.7% |
| $200 | $35.28 | $235.28 | 459.9% | 207.7% |
| $255 | $45.00 | $300.00 | 460.08% | 207.78% |
How California Laws Protect You
California law and state regulations are designed to give borrowers important protections:
About Cash Day USA in California
Cash Day USA is a DFPI-licensed direct lender serving California residents since 2019. We offer fast, transparent payday loans under California's strict consumer protection framework — so you always know exactly what you're paying before you sign.
With 6 store locations across California — in Orange, Sacramento, Chula Vista, Los Angeles, Fresno, and San Diego — plus a fully online application available 24/7, getting the emergency cash you need has never been easier.
We perform only a soft credit check with no impact on your score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.
Get quick cash in California today!
Apply online or visit one of our California locations — it takes only minutes.
Apply Now