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 start lending again as we move towards the end of 2014. As of now the list of lenders below is our most recent list of payday loan lenders offering loans in California.**
All these direct direct lenders currently offer online payday loans or online installment loans to consumers who live in California:
**Last Updated 10-17-2014**
Check City: Check City is a large direct payday lender with low rates and quick funding for California consumers. They’re currently offering online cash advance loans with a maximum payoff term of 31 days to California residents. Check City has a preferred member program that let’s you receive up to 15% off all loan fees. To qualify for a cash advance loan you must be currently employed and have an active checking account. You also can’t have any outstanding payday loans or recently bounced checks in the past 12 months.
Payday Direct USA: A new online company that’s currently offering 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 California based direct lender that offers low fee personal loans regardless of the fact that you may have bad credit or no credit history. Once you qualify for a cash advance 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.
RISE: RISE is a direct lender offering personal installment loans of $2,600 to $5,000 to California residents. RISE allows you to choose your own payment schedule of 32-50 bi-weekly payments. They also may be able to decrease your interest rate over time if you qualify.
Payday Loan Today: Payday Loan Today has been offering online direct cash advance loans in California for years. They have a quick and easy online application process as well as 24/7 customer service available over the phone if you need assistance with your online application. In order to qualify for a loan you must be actively employed and you can’t have any delinquent payday loans with other lenders.
Round Sky Lending: Relatively new lender offering online payday loans and installment loans of up to $1,000. Bad credit is ok but you’ll be offered a loan for much less than $1,000. If you’re a California resident you must make at least $800 a month and have direct deposit to qualify for an online payday loan.
Cash Central: They are a large online cash advance lender with a fully automated application process. Currently offering California residents direct payday loans and direct installment loans of up to $5,000. Their California installment loans are designed to let you pay off your loan in 12-36 months.
Are you having trouble qualifying for a direct payday loan or direct installment loan through the lenders listed here? Most consumers will qualify with at least one or two cash advance lenders listed on this page but some consumers may have issues qualifying because of very bad credit or delinquent payday loan issues. If you’re a California resident that’s having trouble qualifying for a cash advance loan then you may want to check out PersonalLoans.com. They work with over 300 direct funders that will offer short term direct payday loans and direct installment 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 offers direct cash advance loans of up to $255 to California residents. CashNet is a well respected direct payday lender that’s been funding online loans as well as retail loans in California for years. They’re currently offering new California customers a discount of 50% on initial loan fees through October! To get this discount use promo code “NEWCASH50″ when applying online for your cash advance 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 that they also offer online cash advance loans to California consumers. Check Into Cash has been around for years and has great customer service to go alone with a quick online application process. They’re currently offering direct payday loans of up to $250 for California residents.
Helping Hand Cash Advance: They offer online payday loans and installment loans to California residents. 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 in order to qualify for a cash advance loan with them.
National Payday: Longtime direct payday lender that’s currently offering loans up to $1,000 for California residents. Apply by 2pm and get cash in your bank account the next day. They also have a same day wire option for California residents.
NetCredit: NetCredit is a new direct installment lender offering 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.
Avant Credit: Avant is a large direct installment loan lender that offers online personal loans of $1,000 to $20,000 to California residents. They’re a great company if you’re strictly looking for a direct installment loan but it may be tough to get approved with them if you have bad credit. Unlike most direct payday lenders that operate in California you generally need average to good credit in order to qualify for a loan. They have no pre-payment penalty and offer loan lengths of anywhere from 12-48 months to California residents.
Do you need more cash than what you can get from an online payday lender or cash advance lender? If so you may want to think about taking out an installment loan. With a direct installment loan you’re able to borrow a large sum of money and pay it back over six months or more, opposed to just weeks with a traditional online payday loan. This may be a good option if you have fair to good credit and a stable source of income. Another benefit of an installment loan is that interest rates are generally lower than traditional payday loans! One of the largest installment loan matching services in California is Better Loans Mutual. They work with dozens of California based direct installment lenders and they can usually facilitate an online installment loan for you in less than an hour! Check them out today.