Over the past few months, we’ve removed several payday loan companies from our database. California has enacted strict lending rules, and some payday and installment lenders no longer service the state. We plan to add more direct lenders throughout 2024, but it remains to be seen if any large nationwide payday loan companies will offer loans in CA again. Use our list of online payday lenders to your advantage and look for companies offering the best rates and payback terms! **Last Revised 11-25-2024**
MyPaydayLoan: MyPaydayLoan is a longtime direct payday lender that just started offering online loans in California. As of 2024, they’re offering payday loans up to $500 for California residents. Once approved, you can receive funds in 24 hours or less. New customers need a valid checking account(no pre-paid checking accounts). You’ll also need a monthly income of $1,500 or higher.
5kFunds: They’ve helped thousands of Californians get an online personal loan of $500 to $5,000. This company offers payday loans & peer-to-peer funding in addition to personal loans. The application process takes 5-10 minutes, and you can get money within 24 hours.
Loan Center: Loan Center has offered car title loans in California for years, and now they are funding direct personal loans for qualified borrowers. Loan Amounts in California range from $2,600 to $4,500, and cash can be sent by direct deposit if the loan is approved before 3 pm EST. Applicants need a FICO score of at least 640 with a monthly income of $2,500 or higher to qualify.
Opploans: Opploans is a direct online lender with interest rates 120% cheaper than those other companies offer. They currently provide California installment loans of $500 to $5,000, with repayment terms of 9 to 36 months.
Are you having difficulty qualifying for an online payday loan in California? Most consumers can qualify with at least one or two cash advance lenders on this page. Still, some will have issues getting approved because of bad credit or delinquent payday loan issues. If you’re a California resident with bad credit and can’t qualify for a payday loan, you should check out LendYou. They work with over 45 direct lenders offering hassle free payday loans to qualified borrowers regardless of bad credit, Chexsystem report, or past payday advance use.
LoanbyPhone: Apply for a direct payday loan from LoanByPhone with your phone or desktop and get money in the bank within 24 hours. Customers in California can apply for short term payday loans of up to $255 with payoff terms that average a few weeks. To qualify, you need a bank account open for at least 90 days with proof of income from a job or pension.
Check Into Cash: You’ve probably seen their commercials or driven by one of their many storefront locations throughout the state. The good news is they also offer a payday loan option to consumers with bad credit. Check Into Cash has been around for years and has excellent customer service with a quick online application process. In addition, CIC offers online payday advances with funds available in one day for California residents.
Car Title Loans 123: This company offers online title loans to California residents. Instead of being limited to loan amounts of a few hundred dollars, applicants with a lien-free vehicle can use their car as collateral for a loan of $2,500 or more. Keep driving the car while you repay the loan; bad credit is not a problem.
Bad Credit Lending: Bad Credit Lending connects Californians with online lenders who offer instant payday loans with amounts that approach $2,500. Poor credit is welcome, but you’ll likely see an offer of less than $1,500 with a higher annual percentage rate. To qualify, you must make $1,800 a month and have direct deposit with a checking account.
CashNet: CashNet has offered direct payday loans for years. CashNet is a well-respected payday advance company funding online payday loans in California of up to $255 with a lending term of 8-31 days. They’re offering new customers a 15% discount on their initial application fees! To get this discount, use promo code “A15CASH” when applying online.
Net Credit: Net Credit is a direct lender offering online unsecured loans to California consumers. They provide installment loans ranging from $2,500 to $15,000 with a payoff term of 6 months to 3 years. NetCredit generally requires average to good credit to get a loan of $5,000 or less.
Blue Trust Loans: Blue Trust is a direct lender that offers online loans of up to $2,500 in California. They have an easy online application process & funds are deposited into your bank account in one day upon approval. You need a verifiable source of direct deposit income and an active checking account.
Upstart: As of 2024, Upstart offers installment loans of $2,501 or more in California. When you apply with Upstart, you’ll get an approval notification within 5 minutes with funds sent to your bank account or debit card by the next business day. There’s no penalty for paying off your loan early; their interest rates are typically lower than other online lenders.
Jora Credit: Jora provides online installment loans from $2,600 to $9,999. Borrowers can choose between monthly or bi-weekly payments, with payoff times ranging from 1 to 4 years. Upon approval, you are eligible for next day funding, and there’s never an early payoff penalty. Jora requires applicants to show proof of current income to qualify for online payday loans.
Cash Max: CashMax is a direct loan lender with multiple San Jose and Sacramento offices. CashMax has been a Deferred Deposit Originator in California for over 15 years and offers secured car title loans. Approval for a payday loan can take less than 15 minutes, and you can finish the application online. Loan amounts max out at $255 for those who qualify.
Cash Central: A large direct lender with an online application process providing payday loans and cash advances for years. They offer qualified applicants quick approval on $200 with a maximum loan of $750. Use discount code “FB11820” anytime through January 2025 for 20% off lending fees. You can pay off their loan in 12-36 months.
Money Lion: Money Lion is a new West Coast online payday loan lender offering different types of financing for applicants with varying credit scores. Pursuant to the California Department of Finance, they provide loans to state residents of anywhere from $200 to $5,000. Their instant payday loan has a payoff term of 3 months to 1 year. Expect their installment loans to have a term of 1 year and up. Money Lion has an express application process for applicants who already have a loan with them.
Speedy Cash: According to their site, their online application process should take less than 3 minutes to complete. Bad credit is okay, but you must be over 18 and have an active checking account to qualify for the minimum loan amount. Loan amounts with Speedy Cash in California start at $255.
ChecknGo: A longtime online payday lending company that provides cash to California residents. ChecknGo offers loan amounts of $255 for borrowers with decent to good credit. They feature a 30 minute application with 24hr money upon qualification. Checking your rate will never affect your credit score, payoff amount, or APR.
National Payday Loans: They fund payday loans online with a maximum loan amount of $255. National Payday Loans has an active California Deferred Deposit Transaction Law License as of 2024. Apply by 2 pm, and money can be sent by direct deposit to your checking account within one business day.
Ace Cash Express: Ace is a neighborhood lender that provides installment and online payday loans in California. Funding amounts range from $2,600 to $6,000. Ace funds payday loans of $255, and borrowers can expect a repayment term of two weeks to a month. Pick up cash at a local Ace office or have the money deposited into a checking account in one day. Ace is a direct lender licensed by the California Department of Business Oversight.
Lending Club: They have provided small business loans for years in California. Lending Club is a small business direct loan lender different from most cash advance and unsecured lenders. The annual percentage rate will start at 9%, but check their terms and conditions page for more information. They generally look for applicants with a company in business for two-plus years, totaling 75k+ in yearly sales.
California Title Loans: This secured lender often offers higher funding than your typical payday loan. Anyone in CA can qualify for a same day loan if they own a paid off vehicle. The car is used as collateral, and you can borrow up to $15,000 with a repayment term of 12 to 48 months. The APR can be lower than a payday loan, and you can always pay off your loan early with pre-payment penalty!
Avant: Avant offers an online personal loan of $1,000 to $35,000. They’re a great company if you’re looking for a high dollar loan amount. But it’s tough to get approved if you have bad credit. Unlike most payday lenders in CA, you generally need an average to good credit rating to qualify. They claim that most qualified applicants will be funded by the next business day. Avant has an active license with the California Department of Business Oversight(DBO) pursuant to the State’s California Finance Lender Regulations. Contact customer service for exact terms, but lending terms will often be 12-36 months for qualified residents.
Advance America: Advance America is a direct lender offering online and in-person cash advances. This lender has funded payday loans online in CA for over a decade. They have a quick and easy online application process and promise a low annual percentage rate. If approved for a loan, you can get money in your bank account by 6 pm EST and expect a payoff term of 1 to 2 months. Use coupon code “No Fees” through 2024 to save on lender processing fees for up to $255.
