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Apply For Online Payday Loans in California (CA) and Fresno, Get Instant Approval From Best Direct Lender and Receive Same Day Deposit with AdvanceSOS

Payday Loans in California

Do you need cash to cover urgent financial needs? Applying for a same day payday loan in California through AdvanceSOS might be the right choice for you. You can get up to $255 ahead of your next payday from trusted and licensed lenders in our network of providers. These types of loans are easy to get simply complete the application process online and get the loan you need directly to your account within one business day. Whether you’re in Fresno, Los Angeles, Oakland, Lancaster, Bakersfield, Riverside, Modesto, Visalia or anywhere in California, you can find the right loan until payday for you with AdvanceSOS.

The majority of payday loan options in California offer favorable conditions and requirements that even borrowers with bad credit scores can be eligible for. This article explains the essential things you need to keep in mind if you’re looking to take out a payday loan in California.

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What Are Payday Loans? 

Payday loans, also known as cash advances, are short-term money loans that give customers access to quick cash to settle urgent financial needs. As the name suggests, you repay the loan with your next paycheck. The repayment duration and other terms of the loan often vary from one state to the other and the lender you’re borrowing from. 

How Do Payday Loans Work? 

A payday loan is a convenient innovation for customers. They are relatively easier to get because lenders don’t check your credit history to determine your eligibility. As long as you can show that you earn enough monthly income to repay the loan, you can get the money you need. 

You can get up to $255 straight to your account from a payday loan provider in California. This is the maximum amount lending companies are allowed to give out according to California laws. The loan is to be repaid when you receive your next paycheck or within a maximum period of 31 days but can be repaid earlier. You can even get bad credit loans if you have poor credit ratings. 

Why Use AdvanceSOS for Payday Loans in California? 

AdvanceSOS is an online loan broker. We connect borrowers to payday loan providers near them through a simple, hassle-free process. By filling out an application form with your basic details and how much money you need, you will be matched with one of our licensed California payday loan providers.

Some of the benefits of applying for a loan through our platform include: 

FREE Services 

Accessing payday loans through the AdvanceSOS registration page is completely free. Loan borrowers don’t need to pay any fees to use our services.

Easy Online Application 

You simply need to supply a few personal details and indicate how much you want to borrow to get matched with a lender. 

No Hard Credit Check 

We do not do hard credit checks on borrowers. So, you can get a loan regardless of your credit score. 

High Chances of Getting a Loan 

Once you fulfill the basic requirements for the type of loan you need, you are almost guaranteed to get a loan. 

How to Apply For a California Payday Loan With Advance SOS? 

When you need a cash advance in California, all you need to do is visit the AdvanceSOS website and fill out an application. It only takes a few minutes to get started and get approved for a loan. Here are the steps to follow to get a payday loan:

1. Fill Out an Online Form 

Visit the AdvanceSOS website to fill out an online application form. You will only be required to provide your contact details and indicate the loan amount you want to get. Filing the form only takes a few minutes. 

2. Get Matched to a Lender 

The information you provide will be used to match you to a lender. The lender may contact you to request additional details and documents to process your loan application. 

3. Loan Approval 

Once your loan is approved, a copy of the loan agreement showing all the terms of the loan will be sent to you. You must review the loan terms to determine if it is suitable for you. If you agree to the terms of the loan, simply sign the contract and wait for the funds to reach your bank account. 

What Are the Documents You Need for a Payday Loan Application? 

To qualify for a payday loan in California, the lending company may request some of your documents. Some of the documents you need for an online payday loan application include:

  • Government-issued ID, such as your driver’s license 
  • Proof of residence, such as your utility bill or mortgage agreement 
  • Bank statement or any other proof of your monthly income
  • Bank account information 

Updated: Oct 1, 2023

FAQ

Can You Get Payday Loans on the Same Day in California?

Yes, once your application is approved, you will be able to get the payday loans online with the same-day deposit directly to your account. Most people get the money within a few hours or a maximum period of 24 hours. This allows you to use the loan to take care of the urgent financial situation. 

Are Online Payday Loans Legal in California?

Yes, California state lending laws allow the operation of payday lenders. All lending companies offering this type of loan must be licensed by the Department of Business Oversight before they’re allowed to operate in the state. They must also operate within the restrictions of the state regulations. This helps protect consumer rights. 

How Many Payday Loans Can You Have in California?

A person is only allowed to take one payday loan at a time. This must be fully repaid before you can apply for another one. You can apply for a new loan immediately after you repay the previous one, with no cool-off period. Note that loan rollovers are not allowed. 

What Are the Rates and Terms for a Single Payday Advance in California?

The maximum limit for all California payday loans is $255. Payday loan providers are not allowed to charge more than this amount. Lenders can charge a maximum interest rate of $17.64 (15%) for every $100 borrowed. With a loan duration of 14 days, the annual percentage rate (APR) amounts to 460%. 

How Long Do You Get To Repay a Payday Loan in California? 

The minimum duration for payday loans in California is 14 days, while the maximum duration is 31 days. Your actual repayment term depends on the date you agreed to with your lender. There are no rollovers for this type of loan. 
However, if you are unable to repay your loan within the period specified in the loan agreement, you may apply for an extended payment plan. If this request is approved, you get more time to repay the loan without attracting any additional fees. 

What Happens if I Am Unable To Repay My Loan? 

According to the California Deferred Deposit Transaction Law (CDDTL), If you’re unable to repay your loan before the due date, you may apply for a payment extension. The lender will work with you to come up with a convenient payment plan that will be suitable for you. 
Payday lenders can file a lawsuit against you if you default on your loan. The statute of limitations for this is four years, meaning after the four years have passed, creditors and debt collectors can no longer sue.

Can You Get a Payday Loan With Instant Funding to a Debit Card in California?

Yes. If your loan application is approved, you can choose to get instant funding directly to your debit card account.

How Do I Repay My Loan? 

You have a few options to repay payday loans in California. Usually, the method of repayment will be included in your loan agreement with the lender. The common repayment options are: 
– Signing a post-dated check to be cashed from your bank on an agreed date
– Paying back in cash on the due date of the loan 
– Authorizing the lender to deduct the loan amount electronically on the due date 
You can repay a payday loan before the maximum loan term elapses. 

Can I Get a Payday Loan in California With No Credit Check? 

Yes, payday loan providers don’t need to do a hard credit check on your account before your loan is approved. How much money you can borrow depends on your income and your ability to repay the loan. This means you can get this type of loan even with bad credit history. You can seek credit counseling on how to improve your overall credit rating. 

Also, AdvanceSOS offers payday loans in Texas and other states. We can find a direct lender, meaning we will service your loan from start to finish. It makes the process of getting a loan much easier and faster.

What Are The Current Regulations for Payday Loans in California?

Law status legal
MIN Loan Amount $100
MAX Loan Amount $300
MIN. Loan Term 14 days
MAX. Loan Term 31 days
MIN APR Varies by lender
MAX APR 459%
Additional fees 15% of the check
NSF fee $15
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period None
Rollover Not allowed
Extension, repayment plan Voluntary repayment plan
Default penalties Not stated
Credit score requirements Available for Bad Credit
*Information based on our private research and provide average numbers in the state

Where Can We Help You Get a Payday Loan in California?

AdvanceSOS offers quickly help you find the best payday loans offers in cities like Fresno, Los Angeles, Oakland, Lancaster, Bakersfield, Riverside, Modesto and Visalia.

Fresno

Los Angeles

Oakland

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Agoura Hills Aguanga Ahwahnee Alameda
Alamo Albany Albion Alderpoint
Alhambra Aliso Viejo Alleghany Alpaugh
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Alturas Alviso Amador City Amboy
American Canyon Anaheim Anderson Angels Camp
Angelus Oaks Angwin Annapolis Antelope
Antioch Anza Apple Valley Applegate
Aptos Arbuckle Arcadia Arcata
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Artesia Artois Arvin Atascadero
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Avila Beach Azusa Badger Baker
Bakersfield Baldwin Park Ballico Bangor
Banning Bard Barstow Bass Lake
Bayside Beale AFB Beaumont Beckwourth
Belden Bell Bell Gardens Bella Vista
Bellflower Belmont Belvedere Tiburon Ben Lomond
Benicia Benton Berkeley Berry Creek
Bethel Island Beverly Hills Bieber Big Bar
Big Bear City Big Bear Lake Big Bend Big Creek
Big Oak Flat Big Pine Big Sur Biggs
Biola Birds Landing Bishop Blairsden-Graeagle
Blocksburg Bloomington Blue Jay Blue Lake
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Bolinas Bonita Bonsall Boonville
Boron Borrego Springs Boulder Creek Boulevard
Boyes Hot Springs Bradley Brandeis Branscomb
Brawley Brea Brentwood Bridgeport
Bridgeville Brisbane Brookdale Brooks
Browns Valley Brownsville Bryn Mawr Buellton
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Calexico Caliente California City California Hot Springs
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Calpella Calpine Camarillo Cambria
Camino Camp Meeker Camp Nelson Camp Pendleton
Campbell Campo Campo Seco Camptonville
Canby Canoga Park Cantil Cantua Creek
Canyon Canyon Country Canyon Dam Capay
Capistrano Beach Capitola Cardiff by the Sea Carlotta
Carlsbad Carmel Carmel by the Sea Carmel Valley
Carmichael Carnelian Bay Carpinteria Carson
Caruthers Casmalia Caspar Cassel
Castaic Castella Castro Valley Castroville
Cathedral City Catheys Valley Cayucos Cazadero
Cedar Glen Cedar Ridge Cedarpines Park Cedarville
Ceres Cerritos Challenge Chatsworth
Chester Chicago Park Chico Chilcoot
Chinese Camp Chino Chino Hills Chowchilla
Chualar Chula Vista Cima Citrus Heights
City of Industry Claremont Clarksburg Clayton
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Clio Clipper Mills Cloverdale Clovis
Coachella Coalinga Coarsegold Cobb
Coleville Colfax Coloma Colton
Columbia Colusa Comptche Compton
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Corning Corona Corona del Mar Coronado
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Cutten Cypress Daggett Daly City
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Davenport Davis Davis Creek Death Valley
Deer Park Del Mar Del Rey Delano
Delhi Denair Descanso Desert Center
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Dobbins Dorris Dos Palos Dos Rios
Douglas City Douglas Flat Downey Downieville
Doyle Drytown Duarte Dublin
Ducor Dulzura Duncans Mills Dunlap
Dunnigan Dunsmuir Durham Dutch Flat
Eagleville Earlimart Earp East Irvine
Echo Lake Edison Edwards El Cajon
El Centro El Cerrito El Dorado El Dorado Hills
El Granada El Monte El Nido El Portal
El Segundo El Sobrante El Toro El Verano
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Elmira Elverta Emeryville Emigrant Gap
Empire Encinitas Encino Escalon
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Farmington Fawnskin Feather Falls Fellows
Felton Ferndale Fiddletown Fields Landing
Fillmore Finley Firebaugh Fish Camp
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Forest Knolls Forest Ranch Foresthill Forestville
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Fort Irwin Fort Jones Fortuna Fountain Valley
Fowler Frazier Park Freedom Fremont
French Camp French Gulch Fresno Friant
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La Verne Ladera Ranch Lafayette Laguna Beach
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