How Can a Person Find a Payday Loan in California?

California Payday Loans

There are no restrictions on payday loan use. But smart Californians will use them for essential or emergency expenses.

Why use California payday loans online?

Regardless of whether one lives in Los Angeles or Bakersfield, Fresno or Long Beach, life has a way of throwing up sudden cash emergencies that can throw smart household budgeting into a tailspin. The fact of the matter is that emergencies don't pay attention to paydays. Many Californians are finding that the fastest way to solve a sudden money shortfallis with payday loans – and in particular, California payday loans they can process entirely from their computer.

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How do California payday loans work?

While not significantly different from other states, residents from San Francisco to Long Beach and Anaheim to Oakland are discovering that California payday loans get them cash they need to avoid late fees, service disconnections, penalties, interest and other inconveniences. Processed online, it's a matter of just a few short steps:

  1. Establish an account with the lender (
  2. Apply for the loan (up to $300 in California)
  3. Receive your cash into your bank account, one to two business days, usually overnight
  4. Repay the loan with an automatic withdrawal from your checking account on or shortly after your next payday

Most borrowers report that the entire process rarely requires more than ten or 15 minutes of time.

Why use

There are multiple ways of getting payday loan cash. Some employers will do it, but rarely outside of small, family-run operations. Old-technology storefront lenders still exist, but it's pretty hard to rationalize spending two hours at something one can do from their computer, 24/7. brings the new technology method of borrowing quick cash online, but also some features that other payday lenders lack: the company is based in the U.S., unlike offshore companies that work outside of U.S. lending regulations. This is an important distinction.

Eligibility requirement

  • Active bank account for 90 days or more.
  • Active/current job with 90 days of employment.
  • Direct Deposit is required.
  • No Military personnel loans.
  • Minimum net income of $1,000 per month for employed and $800 for SS or retired.

About California payday loans

Like most states, California recognizes that access to emergency cash is an essential part of being financially responsible. While some can borrow from family or friends, or put charges on a revolving credit card, others choose to access cash from their own next paycheck by this means. This is a short-term loan of a modest amount that many need to cover costs related to housing, transportation, groceries, medicine, emergency travel or essential services. All loans must be repaid before a second loan will be issued.