How to apply for California Payday Loans

When you are in need of quick money it feels really bad and you will naturally be looking for instant cash loan to help you cover urgent expenses. Online Payday Loans in California come as the most convenient and easy type of financing with guaranteed approval. You are likely to get a payday loan from California lending companies today even with bad credit!

123 Money Loans in California

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All you need to know about Payday loans in California (CA)

Let’s study the payday loan definition and meaning. Though the definitions are numerous and varied, the common meaning comes to a small $100 – N/A short term cash loan till the next paycheck. California as all the other US states, has certain laws regulating payday lending. According to these rules, California lenders can offer their products and services online or in-store at their locations. In order to obtain a fast Payday Loan in California, you need to know a few facts. Read further to find them out.

California Payday Loan benefits with 123 Money Loans

The popularity of payday loans among California residents is constantly growing nowadays. They remain the most convenient cash loan solution for emergency needs. The most important advantage of short-term loans in California is their high availability for any resident of the state. The other benefits include:

  • A simple 24/7 online application
  • Fast approval within a few minutes
  • No hard credit check is required
  • No faxing, no paperwork, no waiting in lines
  • Bad credit or no credit are not a problem
  • No collateral is required
  • Quick same day financing
  • No hidden fees

If you are still in doubts, don’t even hesitate – start your online Payday Loan application now and get your money today!

California short-term lending laws and regulations

Applying for Payday Loans in California, you should check your rates at first and find out if you qualify for the necessary amount:
It’s recommended to use a free Online Payday Loan Calculator to find out the loan cost with the APR, interest rates, finance charges, and other fees. The average Annual Percentage Rate (APR) in California is about N/A. So, if you borrow a $100 loan, you should expect to be charged $111.85 total loan cost. Maximum terms of California Payday Loans are N/A – 31 day(s). Sometimes, you can find a 3-month Payday Loan if you consider longer terms more convenient.

MIN Loan AmountN/A
MAX Loan Amount$300
MIN. Loan TermN/A
MAX. Loan Term31 day(s)
MAX APR460.00%

Consumer Protection in California

Regulator: California Department of Business Oversight
Address: 1515 K St #200, Sacramento, CA 95814
Regulator’s Website:

Which California residents qualify for online Payday Loans

In California, it’s rather easy to qualify for a Payday Loan. You just need to meet the lender’s requirements:
• Be at least 18 years old or over.
• Be a legal resident of California.
• Provide a proof of a stable monthly income of at least $1,000.
• A valid phone number and email.
• No bankruptcy or military service.

Can I get a California $255 online payday loan if I have bad credit?

Yes, you can get California $255 payday loans online even if you’ve bad credit. Lenders expect you will have poor credit which is why you have requested an online payday loan. There are no credit checks for 255 payday loans. Your income monthly is the primary determinant of your ability to repay your loan and the main reason you will qualify.


Can I pay my $255 loan off early?

California lenders will accept early loan payoffs and some, but not all, will reduce their fees for doing so. Ask your lender in California state before you accept a loan offer if they reduce fees for early payoffs.


Do you meet all these eligibility criteria? Then you’ll have no problems in getting fast Payday Loan in California even with bad credit.