**We’ve removed a handful of direct payday lenders from our online database over the past few months. California has enacted tough lending rules and many payday lenders and installment lenders no longer service the state of California. With that, there are still options available in California if you need an online payday loan or installment loan. Use our list of direct lenders in California to your advantage. Most importantly, make sure you find a company that’s offering the best rates and payback terms! We expect a few new lenders to offer online cash advance loans again as we move through 2018. 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 for consumers in California:
**Last Revised 5-1-2018**
Check Into Cash: You’ve probably seen their commercials or driven by one of their many storefront locations in California. The good news is they also offer California payday loans to 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 online payday advances with funds available in one business day for California residents.
PersonalLoans.com: They’ve been operating 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. The application process takes 5-10 minutes and they promise monrey within 24 hours to California residents.
MyPaydayLoan: MyPaydayLoan is a longtime direct lender that just started offering online payday loans in California. As of 2017, they’re funding payday loans that go up to $1250 for California residents. Once approved, you can plan on receiving your funds in 24 hours or less. New applicants in California will need a valid bank checking account(no pre-paid checking accounts or savings accounts). You also need to show verifiable monthly income.
MoneyKey: MoneyKey is a state licensed lender with more than 180,000 customers. MoneyKey offers online payday loans of $255 in California. You may qualify for their online loan even if you have bad or no credit. The application process for a MoneyKey Loan is simple, convenient and requires only a few minutes. Upon loan approval, they will deposit money into your bank account as soon as the next business day. Their customer care team can be reached 7 days a week for any questions related to their products.
Opploans: Opploans is a new online company onto the scene in California. They pride themselves on strong customer service and claim fast funding times. Opploans has interest rates that are 120% cheaper than most California payday loans. They currently promote a California installment loan of $2,600 and up with a repayment term of 1 to 2 years.
Are you having difficulty qualifying for a payday loan or installment loan with the online 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 problems qualifying for a California payday loan then you may want to check out LoanSolo. They work with over 75 direct funders that offer cash advance 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.
CashNet USA: Cashnet has offered online payday loans in California for years. CashNet is a well respected payday advance company that’s been funding storefront and online loans for years. They’re currently offering new customers a discount of 15% on initial loan fees for California payday loans and installment loans! To get this discount use promo code “A15CASH” when applying online.
BlueTrust Loans: Blue Trust loans is an online only lender that offers personal loans of up to $1250 in California. They have an easy online application process & funds can be deposited into your account in one business day upon approval. You need a verifiable source of direct deposit income & an active checking account. Most Blue Trust loans are due within 6 months and there is no pre-payment penalty.
Jora Credit: Jora provides installment loans in California that go from $2500 to $3500. Borrowers can choose between monthly or bi-weekly payments with payoff times that will range from 2-4 years. Upon approval you should be eligible for next day funding and there is no early payoff penalty. Jora requires applicants to show proof of current income.
Ace Cash Express: Ace provides installment and payday loans to California residents. Their installment loan amounts range from $2,600 to $5,000 and you can make weekly or monthly payments. Ace payday loans up to $250 and borrowers can expect a payoff time of two weeks to a month. They allow California residents to pickup cash at a local Ace location or the money can be deposited in your checking account in one day.
Cash Request Online: A new online company that provides 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.
Cash Central: They are a large lender with a fully automated application process that’s been funding California payday loans for years. Currently offering California residents quick approval payday loans of $200-$600. Use discount code “FB5820” anytime through May for 20% off short term lending fees. Cash Central also funds installment loans of up to $5,000. Their California installment loans will let a borrower pay off their loan in 12-36 months opposed to a few weeks with a traditional loan.
NetCredit: NetCredit is a new company offering online loans to California consumers. NetCredit provides 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.
Lend You: They provide online installment loans and payday advances 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 to qualify for a California payday loan.
Advance Financial: Advance Finanial offers online FLEX loans to consumers in California. With a flex loan you apply online for a line of credit that suits your needs. The current amount offered is anywhere between $2,500 and $4,000. Once you apply and get approved you will have the ability to withdraw money from the line of credit whenever it’s needed. As the name says, these loans are flexible. You can pay it off anytime with no prepayment fees.
CashAdvance.com: Online company offering online payday loans up to $1,000 with a maximum 31 day loan payoff term for California residents. Bad credit is ok, but you’ll probably see a loan offer of 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 a cash advance loan.
Money Lion Loans: Money Lion is a new California lender that promises different types of loans for loan applicants with varying credit scores. In pursuant to the California Depart of Finance, they provide both starter and installment loans to California residents of anywhere from $200 to $5,000. Their starter loans have a payoff term of 3 months to 1 year and their installment loans have a term of 1 year and up. MoneyLion has an express application process for loan applicants that already had a loan with them.
Upstart: Upstart 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.
National Payday: A large national lender that funds California payday loans of up to $700. National has an active California Deferred Deposit Transaction Law License as of 2018. Apply by 2pm and get cash in your bank account the next day. They feature a same day wire option for California residents that qualify.
Lending Club Small Business Loans: They have been providing small business loans for years in California. Lending Club is a small business lender and is different than most of the cash advance and personal advance companies listed here. They process online loans in California for most types of businesses. Interest rates will start at 4%, but check their terms and conditions page for more information. They generally look for applicants with a business that’s at least two years old, with a total amount of 75k+ in yearly sales. You will need a credit score of at least 600 to gain consideration for a loan.
Avant: Avant is a large installment loan lender that offers online personal loans of $1,000 to $35,000 to California residents. They’re a great company if you’re looking for online installment loans California, but it may be tough to get approved if you have bad credit. Unlike most lenders that operate in California, you generally need an average to good credit rating to qualify for a loan. Their loans will fund the next business day. Avant is licensed by the California Department of Business Oversight pursuant to California Finance Regulations. They feature lending terms of 12-60 months for California residents.
Payday Advance Today: Payday Advance Today is a third party cash advance lender who has been funding online payday loans California for over a decade. They have a quick and easy online application process and you can get cash by the next morning if you are approved for a loan by 6pm EST. New applicants must be employed with direct deposit and you can’t have any delinquent payday loans with other lenders. California residents can use coupon code “No Fees” for no online loan fees, up to $200.
We Update Our Database of California Payday Loans Every Week
Do you need more cash than what you can get from a lender that provides short term financing or even installment loans? Have you been turned down for a cash advance in California because of bad credit? If so, you should 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. With a traditional payday loan you can expect to pay back the loan over a few weeks. An auto equity loan is based on the value of your vehicle, so your credit history is never checked. Tradition is a huge company that’s been providing online title loans for well over a decade. They’re licensed by the Department of Finance here in California and you can read all about the rates and terms on their site. 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.
Tradition Title Loans 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 drive your car for the life of the loan. Check out Tradition Title today.