California Payday Loans can Help

woman laptopWhat is a California Payday Loan?

A California Payday Loan is a loan deposited very quickly directly into your checking account if you are approved for between $100 and $1,000 that is due in most cases on your next pay date.

What are reasons you might need a Payday Loan?

There are too many reasons to list, but you are the best person to decide if you need the help of a payday loan. Your emergency is not necessarily someone else’s emergency. In California, you may need help after fires or floods. You may have car problems after hours of sitting in traffic. And yet, you need that car fixed to get to work so that you can pay for the car repairs. You may have children with needs that can’t wait until your next payday. Fast and easy payday loans are just a click away.

  • Quick applications in just a matter of minutes.
  • Free to apply.
  • No fax-online application.
  • Cash deposited in your account in as little as two hours.
  • Bad credit or no credit is ok.

What are the minimum requirements for a Payday Loan?

  • 18 years or older
  • Checking account
  • Employed

When do I repay the loan?

Payday loans are, in most cases, paid back on your next payday, but extensions or other arrangements can sometimes be made.

Can I afford a payday loan?

There are times when you can’t afford NOT to take out a payday loan. Look at this chart to see how a payday loan can save you money:

Common Financial Situations
APR (Annual Percentage Rates) by $100 Average


The average payday loan is between $300 to $500, however they can be as low as $100 and as high as $1,200. Depending on local laws, fees range between $15 to $30 per every $100 that is borrowed. The total amount borrowed and the fees are typically withdrawn from your checking account on your next payday, but sometimes extensions can be made.


Depending on the amount of the loan and the length before repayment, the APR for Payday Loans range from 547.5% to 999.45%. The larger the loan and the shorter the payback period, the lower the APR. These loans are short term, only meant to be typically 2 weeks. If you annualize other fees just like a payday loan, you will find that the APR of Payday Loans can actually be more expensive. For example, if annualized, and considering a $32 bounced check charge the APR of a bounced check is 2336% for a $100 check. Please see the above chart for more information.

Implications of non-payment, including financial implications (whether fees are charged and/or interest rates are raised):

The interest rate may be raised or a default fee can be charged for not paying your loan on time. We recommend you immediately contact your direct lender if you are not able to pay on time. Each individual lender has their own interest and fees policies. Only your lender can provide you with information about your specific fees and rates.

Collection Practices:

If the loan is not paid or becomes delinquent, collection attempts are first made internally via phone call and arrangements are attempted. The situation of the borrower is considered and every attempt at a reasonable outcome is considered. If collection is not remedied in this manner, a collection agency may be contacted in an attempt to recover the funds.

Potential impact to users’ credit score:

Payday loan lenders may use a credit agency however in most cases, the borrower’s score is not affected. However, the Lender may submit the borrower’s request for the loan and especially with nonpayment, the lender has the discretion of reporting to the credit agencies, typically Equifax, Experian or Transunion. Lenders may also rely on their own scoring, based on income, ability to pay and the payment history of the borrower with previous payday loans.

Renewal policy information, including if the renewal is automatic and if there are fees associated with the renewal:

Payday Loans are typically required to be paid back on the next payday of the borrower. Please consider carefully if you can afford to budget responsibly and pay the loan back on the required due date. Most lenders allow you to renew or repurchase the loan, but there will be fees associated with the renewal. We do not recommend you get into a cycle of borrowing more and more to pay back previous loans.

If a payday loan in California can help you, apply here!

You have nothing to lose, no cost to apply.