Updated Database of Direct Payday Lenders in California
**We’ve removed a handful of direct payday lenders from our online database over the past few months. California has enacted tough payday loan regulations and many direct payday lenders and direct installment lenders no longer service the state of California. With that being said there are still options available in California if you need an online payday loan or installment loan. Be sure to use our list of direct cash advance lenders in California to your advantage. Most importantly, make sure you find a payday lender or installment lender that’s offering the lowest rate with the best payback terms! We expect a few new lenders to offer online cash advance loans again as we move through 2016. As of now the list of lenders below is our most recent list of payday loan lenders that offer loans in California.**
All these companies offer online payday loans or online installment loans to consumers in California:
**Last Revised 9-13-2016**
MyPaydayLoan: MyPaydayLoan is a longtime direct lender that just started offering online payday loans in California. At this time they’re funding payday loans of up to $1000 for California residents. Once approved, you can plan on receive your funds in 24 hours or less. New applicants in California will need an open and active checking account(no savings accounts or pre-paid checking accounts). You also need to be currently employed with verifiable monthly income.
CashAdvance.com: Online company offering online payday loans of up to $1,000 with a maximum 31 day loan payoff term for California residents. Bad credit is ok but you’ll probably be offered a loan for less than $1,000. If you’re a California resident you must make at least $1200 a month and have direct deposit with a checking account to qualify for an online payday loan.
Check Into Cash: You’ve probably seen their commercials or driven by one of their many retail locations in California. The good news is they also offer online payday loans to California consumers with bad credit. Check Into Cash has been around for years & has great customer service as well as a quick online application process. Currently offering direct payday loans of up to $250 for California residents.
CashNet USA: Cashnet has offered online payday loans in California for years. CashNet is a well respected direct payday lender that’s been funding online loans as well as storefront loans in California for years. They’re currently offering new customers a discount of 25% on initial loan fees for California payday loans! To get this discount use promo code “NEWCASH25” when applying online.
Check ‘n Go: Check n’ Go is one of the largest payday loan lenders in the country and they have at least 175 payday loan shops in California alone. They provide direct payday loans and installment loans to California residents of anywhere from $200 to $5,000. Their payday loans have a loan term of 31 days and their installment loans have a loan term of one year. Check ‘n Go also has an express online application process for consumers that already had a loan with them.
Are you having trouble qualifying for an online payday loan or direct installment loan with the lenders listed here? Most consumers can qualify with at least one or two cash advance lenders listed on this page, but some will have issues qualifying because of very bad credit or delinquent payday loan issues. If you’re a California resident with bad credit that’s having trouble qualifying for a California payday loan then you may want to check out LoanSolo. They work with over 300 direct funders that offer online payday loans to pretty much any California resident regardless of bad credit, Chexsystem report, or past payday loan use. They have a 100% online application process.
BlueTrust Loans: Blue Trust loans is an online only lender that offers personal loans of up to $1200 in California. They have an easy online application process and funds will be deposited into your checking account within 24 hours. You must have a verifiable source of direct deposit income & an active checking account to be approved. Most Blue Trust loans are set to be paid back within 6 months and there is no pre-payment penalty.
NetCredit: NetCredit is a new direct installment lender offering online loans to California consumers. At this time NetCredit is offering California consumers online installment loans ranging from $2,500 to $10,000 with a payoff term of anywhere from 6 months to 3 years. They may not be a fit for you if you have bad credit. They generally require average to good credit when you apply for a loan.
OneClickLoan: They offer online installment loans and online payday loans in California. They claim to have a completely automated online application process that should take less than 3 minutes to complete. Bad credit is ok but you must be 18 years old and have an active checking account as a way to qualify for an online payday loan with them.
National Payday: Longtime direct payday lender that’s currently offering online payday loans to California residents of up to $1,000. Apply by 2pm and get cash in your bank account the next day. They also have a same day wire option for California residents.
Bright Sky Lending: A new online company that’s currently offering online payday loans and installment loans to California residents. Currently offering loans of $200 to $1000 even if you have bad credit or no credit at all. They claim to have a 3 minute application process with same day cash if you qualify. You must have an active checking account(no pre-paid cards or savings accounts) to qualify for a loan.
LendUp: A new direct lender that provides low fee online payday loans in California regardless of the fact that you may have bad credit or no credit history. Once you qualify for a payday loan they’ll let you choose your own rate terms and your interest rate may end up decreasing over time. LendUp is currently offering California residents online cash advance loans of anywhere from $250 to $1000.
Payday Loan Today: Payday Loan Today has been offering California payday loans for the past few years. They have a quick and easy online application process and you can get cash in hand by the next morning if you are approved for a loan by 3pm PST. New applicants must be actively employed with direct deposit and you can’t have any delinquent payday loans with other lenders. California residents can use coupon code “200 fee free” for no fees on online payday loans of up to $200.
Cash Central: They are a large lender with a fully automated application process that’s been funding online payday loans California for years. Currently providing California residents quick approval on a California payday loan of $200-$400. Cash Central also offers installment loans of up to $5,000. Their California installment loans are designed to let you pay off your loan in 12-36 months opposed to a few weeks with a payday loan.
PersonalLoans.com: They’ve been in business since 2007 & since then they’ve helped thousands of Californians get an online personal loan of anywhere from $500 to $5,000. They also offer payday loans & peer-to-peer loans in addition to personal loans. It looks like the application process takes 5-10 minutes and they promise cash within 24 hours to California residents.
Upstart: Upstart is a direct lender that funds online personal loans in California of up to $3,000. When you apply with Upstart you’ll get an approval answer within 5 minutes and get your money by the next business day. There’s no penalty for paying off your loan early and interest rates are generally much lower when compared to other personal loan lenders. You need a credit score of at least 700 to be approved for a loan.
Lending Club Small Business Loans: They have been funding online small business loans for years in California. As Lending Club is a small business lender, they’re somewhat different than most of the payday loan and installment loan lenders listed here. They offer online loans in California for nearly every type of business of up to 250k with rates that start at 4%. They generally look applicants with a business that’s at least two years old, with 75k+ in yearly sales. you will need a credit score of at least 600 to be approved for a loan.
Do you need more cash than what you can get from a lender that offers online payday loans or even installment loans in California? Have you been turned down for multiple online payday loans in California because of bad credit? If so you may want to consider a car title loan. With a car title loan you’re able to borrow a large sum of money and pay it back over a period of months or even years, opposed to just weeks with a traditional payday loan. A car title loan is based on the value of your vehicle, so your credit history is never checked. Loanmart is a huge company that’s been offering online title loans in California for well over a decade. Assuming you own a paid off 1999 or newer vehicle and you make at least $1,800 a month you should have no problem qualifying for a loan.
Loanmart is currently offering online title loans of up to $40,000 to California residents. You can be approved for a loan in less than a day and you’ll be able to keep driving your vehicle for the life of the loan. Check out LoanMart today.