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 2015. 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 Updated 7-1-2015**
Cash Central: They are a large online cash advance lender with a fully automated application process. Currently offering California residents direct payday loans & direct installment loans of up to $5,000. Use discount code “CJJY25″ anytime through July for 25% off loan fees. 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.
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.
Payday Loan Today: Payday Loan Today has been offering online payday loans in California for 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. In order to qualify for a loan you must be actively employed with direct deposit and you can’t have any delinquent payday loans with other lenders.
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 cash advance 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.
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 with bad credit that’s having trouble qualifying for a cash advance loan then you may want to check out CashLoanWebBank. 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.
Upstart: Upstart is a direct lender that offers personal loans of $3,000 and above to California residents. 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 650 to be approved for a loan.
3ClickLoan: 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 payday loan with them.
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 storefront loans in California for years. They’re currently offering new California customers a discount of 25% on initial loan fees! To get this discount use promo code “NEWCASH25″ when applying online for your cash advance loan.
National Payday: Longtime direct payday lender that’s currently offering online cash advance 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.
Round Sky Loans Online: Relatively new lender offering online payday loans and installment loans of up to $1,000. 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.
SpringLeaf Personal Loans: They have been offering online personal loans for years in California. They also have retail locations all throughout the state. They claim you can get your money the same day you apply online if you live near a retail location and their application process looks to only take a few minutes. Springleaf’s loan amounts range from $1500 to $10,000 for California residents & you will need a credit score of at least 600 to be approved for a loan.
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.
Avant: 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.
LendYou: They’ve been in business since 2007 & since then they’ve helped thousands of Californians get a payday loan. Currently offering cash advance loans in California for up to $600 & they claim your credit won’t be checked when you apply for an online loan.
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 online 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 bad credit payday loans! One of the largest installment loan matching services in California is PersonalLoans.com. 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.