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Payday Loans in California — Laws, Limits & Online Lenders

Compare licensed payday lenders in California. One application, multiple offers, no credit impact.

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2 Compare Offers
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California Payday Loan Laws at a Glance

Max Loan Amount $300
Max APR 460%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Cal. Fin. Code § 23000
Note: $255 after max fee of $45

How to Get a Payday Loan in California

Getting a payday loan in California is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of California-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for California Borrowers

  • Must be 18 years or older (resident of California)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in California

Under Cal. Fin. Code § 23000, payday lenders in California may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — California may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our California and other state payday loan laws.

Payday Loans by City in California

Select your city for local payday loan information, lender options, and California regulations that apply to your area.

Los Angeles San Diego San Jose San Francisco Fresno Sacramento Long Beach Oakland Bakersfield Anaheim Stockton Riverside Irvine Santa Ana Chula Vista Moreno Valley Fontana Modesto San Bernardino Oxnard Huntington Beach Glendale Santa Clarita Garden Grove Oceanside Rancho Cucamonga Ontario Santa Rosa Elk Grove Corona Lancaster Palmdale Salinas Pomona Escondido Torrance Pasadena Hayward Sunnyvale Fullerton Roseville Visalia Concord Thousand Oaks Simi Valley Santa Maria Victorville Orange El Monte Downey Costa Mesa Inglewood Carlsbad Antioch Murrieta Temecula West Covina Norwalk Daly City El Cajon Burbank Rialto Clovis Compton Jurupa Valley

California Payday Loan FAQ

Are payday loans legal in California?

Yes. Payday loans are legal in California under Cal. Fin. Code § 23000. Lenders must be licensed by the state banking regulator.

How much can I borrow in California?

The maximum payday loan amount in California is $300. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in California?

The maximum APR for payday loans in California is approximately 460%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in California?

Prohibited

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