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California ✓ Loans Available CA

California Payday Loans

Get up to $255 — Apply Online or In-Store at 6 CA Locations

Borrow up to $255 — no hard credit check

Soft credit inquiry only — zero impact on your score

Same-day funding if approved before 10:30 AM PT on a weekday

6 convenient CA store locations

Apply Now → 📍 Find a Store

Updated: Jun 08, 2026

Loan Summary — CA

Max. Amount $255

Installment Loan Up to $5,000

Finance Charge See rates

Min. Credit Score None

Credit Check Soft

Funding Time Same-day or next business day

Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in California:

✓

Be at least 18 years of age

✓

Provide a valid government-issued photo ID

✓

Provide your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

✓

Maintain an active bank account

✓

Have a valid email address and active phone number on file

✓

Provide proof of residency in California

✓

Demonstrate proof of consistent income

Process

How to Get a Payday Loan in California

Applying through Cash Day USA is a quick, simple, and secure process:

1

Submit Your Application

Complete our straightforward online application in just 5 minutes, or visit one of our 6 California locations in person. Submit your ID, SSN or ITIN, proof of income, and bank account information. Your application is processed quickly and securely.

2

Receive Your Loan Decision

Get your decision in minutes with a soft credit inquiry that doesn't affect your FICO score. We evaluate your income and payment behavior to provide fair lending decisions, not just credit scores.

3

Get Your Funds

Upon approval and completion of paperwork, your money is transferred directly to your bank account within the same business day if approved before 10:30 AM PT. Store customers can withdraw cash immediately using 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.

Locations

Our Locations in California

We deliver emergency assistance across the state. Visit the nearest location to get a payday loan in California:

📍 Chula Vista, CA ★ 4.8 (0)

910 Hale Place #204, 91914
91914

(619) 941-0764

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 Fresno, CA ★ 4.8 (0)

30 River Park Pl W #390, 93720
93720

(559) 550-6681

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 Los Angeles, CA ★ 4.8 (0)

433 S. Spring St. Unit 900, 90013
90013

(213) 566-3755

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 Orange, CA ★ 4.8 (0)

100 S Main St, 92868
92868

(657) 888-0481

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 Sacramento, CA ★ 4.8 (0)

1742 Watt Ave, 95825
95825

(916) 619-4009

Payday Loans Installment Loans

View Location Details → Visit Store →

📍 San Diego, CA ★ 4.8 (0)

6423 University Ave, 92115
92115

(619) 304-8805

Payday Loans Installment Loans

View Location Details → Visit Store →

Rates & Terms

California Rates & Terms

Payday loans in California are regulated with specific limits and protections. The maximum loan amount is $255 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 23.5% APR (14-day loan).

Loan Amount	Finance Charge	Total Payment	APR (14-day)	APR (31-day)
	$17.64		459.9%	207.7%
	$35.28		459.9%	207.7%
	$45.00		460.08%	207.78%

Protection

How California Laws Protect You

California law and state regulations are designed to give borrowers important protections:

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Verify Your Lender's License. Before borrowing, you can easily check if a lender holds a valid DFPI license and review any disciplinary history. Use the DFPI Financial Services Search tool on the official DFPI website to confirm your lender's credentials.

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Know the Loan Limits & Fees. In California, payday loans are capped at $300. Lenders are allowed to charge a maximum fee of 15% of the loan amount, which comes out to $45 at most.

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No Rollover Loans. Lenders cannot provide you with a new payday loan to pay off an existing one. You also cannot get another loan from the same lender while your current payday loan is still active.

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Transparent Fee Information. All payday lenders are required to display their California license prominently and provide a complete fee schedule at every branch and on their website for full transparency.

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Bounced Check Fee Limits. If your check bounces, a lender may charge only one returned-check fee up to $15. Keep in mind that your bank may charge its own separate NSF fee on top of this.

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No Hidden Fees for Payment Plans. Lenders cannot charge additional fees if you request a payment plan, even if they choose not to offer one. Extra charges for this request are not allowed.

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Contract Rights & Protection. Your payday loan agreement must be provided in your preferred language. Lenders are also forbidden from using threats of criminal prosecution to collect unpaid payday loan debt.

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File a Complaint with DFPI. If you believe a lender has violated California payday loan laws, you can file a complaint with the DFPI for investigation and enforcement action.

Why Choose Us

About Cash Day USA in California

Cash Day USA is a licensed direct lender serving California residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 6 convenient locations across California 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 FICO 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.

Our California customers rate us 4.8/5 stars across 6 locations. We're committed to transparent lending practices and compliance with all California regulations.

⚠️ Customer Notice

Payday loans are meant for short-term financial emergencies only and should never be relied upon as a permanent financial solution. Interest rates on these loans can reach as high as 460% APR. It's critical that you thoroughly review and understand all terms outlined in your loan agreement before committing to sign.

If you find yourself struggling with ongoing financial challenges, we encourage you to reach out to a credit counseling service at no cost to you.

Cash Day USA operates under full compliance with California law. We are licensed by the California Department of Financial Protection and Innovation under the California Deferred Deposit Transaction Law, as outlined in California Financial Code Division 10.

Get quick cash in California today!

Apply online or visit one of our 6 California locations — it takes only minutes.

Apply Now

FAQ

Frequently Asked Questions about California Payday Loans

Find answers to common questions about getting payday loans in California:

What's the maximum payday loan amount available in California?

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In California, you can borrow up to $255 as a payday loan. Your total check amount, which includes both the loan and the fee, cannot exceed $300. Lenders charge a maximum fee of 15% on the check amount, capping out at $45.

How quickly will I receive my funds?

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Once approved, you'll typically receive your money the same day or by the next business day. Apply before 10:30 AM PT on a weekday to qualify for same-day funding. If you visit us in-store and provide a post-dated check for repayment, you can walk away with cash immediately.

Can I qualify for a payday loan with bad credit?

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Absolutely. We don't rely on traditional credit scores to make lending decisions. Cash Day USA uses only a soft credit check that won't impact your credit score. Instead, we evaluate your income and ability to repay the loan, so bad credit or no credit history won't disqualify you from applying.

Am I allowed to have multiple payday loans at once in California?

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No. California law restricts licensed payday lenders to issuing only one payday loan per borrower at a time. You cannot take out a new loan while an existing one is active, and you cannot use a new loan to pay off a previous one.

What are my options if I can't repay on time?

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If your check bounces, you may be charged a returned-check fee of up to $15. California law gives you the right to request an extended repayment plan at no additional cost, though lenders aren't obligated to approve it. Unpaid or late payments can be reported to credit bureaus, which may affect your credit score. Contact us immediately if you're facing repayment difficulties.

Can I cancel after I've applied for a payday loan?

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Yes, you can cancel your application within a certain timeframe—often within 2 business days—without any penalties. Additionally, California law prohibits prepayment penalties, so you're free to pay off your loan early anytime without extra charges.

How do I get my $255 loan as fast as possible?

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Submit your application before 10:30 AM PT on a weekday for the quickest processing. If you have an eligible debit card on file, opt for instant funding to speed things up even more. Before applying, carefully review all your banking and income information to avoid delays caused by errors.