Updated Database of Direct Lenders in California
**We’ve removed a handful of direct payday lenders from our database over the past few months. California has tough payday loan regulations and many direct payday lenders and direct installment installment lenders no longer service the state of California. With that being said there are still options available in California if you need a payday loan or installment loan. Be sure to use our list of direct payday lenders & direct installment lenders in California to your advantage. 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 into the summer months. Also, there are a few direct payday lenders that have paused their lending efforts until new regulations are put in place that further govern that payday loan industry. As of now the list of lenders below is our most recent list of payday loan lenders offering loans in California.**
All these payday loan lenders offer direct payday loans or installment loans to consumers who live in California:
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 loan they’ll let you choose your own rate terms and your interest rate will decrease over time. LendUp is currently offering California residents loans of anywhere from $250 to $1000.
RISE Credit: RISE is a brand new direct lender offering California residents personal loans and low fee personal installment loans of $2,600 to $5,000. RISE offers payoff times of anywhere from 32 months to 50 months depending on your financial situation. They also claim to decrease your interest rate each month as you pay off your loan.
Payday Direct USA: Relatively new company that’s currently offering payday loans and installment loans to California residents. Currently offering loans up to $1000. They caim to have a 3 minute application process with same day cash available if you qualify.
Cash Central: Large direct payday lender with a fully automated application process. Currently offering California residents direct payday loans and direct installment loans up to $5,000. Their California installment loans are designed to let you pay off your loan in 12-36 months.
Round Sky Lending: Relatively new lender offering same day payday loans up to $1,000. If you’re a California resident you must make at least $800 a month and have direct deposit to qualify for a payday loan.
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.
Check City: Large direct payday lender with low rates and quick funding. Currently offering direct payday 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.
Loan by Phone: Loan by Phone is a direct payday lender that’s been in business since 2003. They have a quick and easy online application process as well as a round the clock customer service team waiting by the phone if you need any help with your application. Loan by Phone can lend up to $255 in California with either a 14 or 30 day loan term.
Are you having trouble qualifying for a direct payday loan through the lenders listed here? Most consumers will qualify with at least one or two lenders listed on this page but some consumers may have issues qualifying for whatever reason. If you’re a California resident that’s having trouble qualifying for a direct loan then you may want to check out LoanUp. They work with over 300 direct funders that will offer short term payday loans to pretty much any consumer regardless of credit score, Chexsystem report, or past payday loan use. They have a 100% online application process.
Check Into Cash: You’ve probably seen their commercials or driven by one of their many retail locations in California. 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.
NetCredit: A new direct payday loan lender offering loans to California consumers. At this time NetCredit is offering California consumers installment loans ranging from $2,500 to $10,000 with a payoff term of anywhere from 6 months to 3 years.
Helping Hand Cash Advance: They offer payday loans and installment loans to California residents. They have a completely automated online application process that should take less than 3 minutes to complete. You must be 18 years old and have an active checking account in order to qualify for a loan.
CashNet USA: Offering direct payday loans up to $255. CashNet is a well respected direct payday lender that’s been funding Loans in California for years. They’re currently offering new California customers a discount of 50% on initial loan fees through July! To get this discount use promo code “NEWCASH50″ when applying for your loan.
Avant Credit: Avant is a large direct installment loan lender that offers personal loans to California residents of $1,000 to $20,000. They have no pre-payment penaty and offer loan lengths of anywhere from 12-48 months.
Do you need more cash than what you can get from a payday lender or installment lender? If so you may want to look into a vehicle title loan. With a car title loan you’re able to borrow money based on how much your vehicle is worth. This may be a good option for you if your car is paid off and you need a good amount of money. You get to keep your car for the duration of the loan and interest rates are generally lower than a traditional payday loan! The largest auto title lender in California is 800loanmart. With 800Loanmart you can get approved for a loan in less than an hour! They’re fully licensed in California, have low rates and great customer service. Check them out today.