Apply for Payday Loans in California CA, Los Angeles and San Francisco - Receive Funds in within 24 hours.

From LA to San Francisco, wherever you are in California we can help you find the most suitable payday loan for your needs!

We can help you borrow anywhere from $100 to $35,000 to make sure you get through your financial circumstances and you can receive the funds in under an hour.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

How can Capital Bean help you find a payday loan in California?

If you need cash in between paychecks, Capital Bean can help you gain quick access to funds. Whether it is emergency medical care, an unexpected car repair or a burst pipe, there are many reasons why you might need quick access to funds. Our online services are quick and easy to use and can help you find a payday loan anywhere in California. Apply today and get a decision in a matter of minutes!

california-loansThe right partner

Capital Bean only works with trusted lenders so we can guarantee responsible lending. With hundreds of different lenders available, we can analyze your application and make sure we are finding the right lender and the best loan product for your personal circumstances.

bad-credit-loans-californiaThis search will never impact your credit history

Unlike other financial institutions, Capital Bean only carries out soft credit checks meaning that we will never leave a visible footprint on your credit history. Capital Bean assesses factors other than just your credit history.



Capital Bean is a broker rather than a direct lender. This means that while we don’t supply the funds directly, we will match you with the best lender for you. Even if you do not have perfect credit, we will always try and help you.

Is a California Payday Loan the right product for me? 

Many of our borrowers work with Capital Bean to help them get through a rough patch which could be a medical expense, burst pipe or car breakdown. Once you’ve been approved by our panel the funds could be in your bank account in less than 60 minutes.

Capital Bean helps people in California find a payday loan with the best options

Flexible repayment options
Instant decisions
Options for borrowers with poor credit
Online loan request form

Payday loans are not for everyone. If you are looking for extra cash to spend on shopping or going out, payday loans are not the solution. Also, if you are having long-term financial problems, you should explore other options. Payday loans are only designed for short-term, emergency expenses.

Always make sure to look carefully at the lender’s terms and conditions to make sure you can afford this loan over the time period you requested. If for whatever reason you miss a repayment or fail to pay the loan this will increase the amount of interest you need to pay and could negatively impact your credit score.

Can I get a payday loan in California?

In order to avoid disappointment, it is always advisable to check whether you’re eligible for a loan before using the online request form. To be eligible for a payday loan in California there are four simple eligibility requirements. Applicants need to be residents of the US and at least 18 years old. You will need to demonstrate a monthly income of at least $800. Finally, you must have an active checking account where your payday loan can be paid into.

Are payday loans legal in California?

Payday loans are legal in California. State law imposes a limit of $300 for payday loans offered in-state and loans cannot be taken out for periods longer than 31 days. The maximum finance charge is 15% for every $100 with a maximum interest rate of 460% APR. Lenders are not permitted to apply extra charges for loan extensions and are not allowed to give rollovers. There are no cool-off periods between 2 consecutive loans and state law permits only one outstanding loan.


Can I get a California Payday Loan if I have poor credit?

Even if you have bad credit, you may still be eligible for a loan. In California, you can still find a payday loan even if you’ve been turned down by an app or credit union or bank in the past for your bad credit. You might have made a mistake in the past that has impacted your credit score, but we at Capital Bean believe you should always have the opportunity to rebuild your financial strength. Working with borrowers from all backgrounds, Capital Bean can help you get started today to find the right payday loan for you.

How can I find a payday loan in California?

Our application process for California payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.

We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in under an hour!

At Capital Bean, we understand that sometimes time is of the essence. When you’re hit with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!

If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans may not be for you. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.

What are the repayment terms of a payday loan in California?

The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks. 

If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time. Depending on the lender, this could mean that you are making monthly loan repayments for anything up to 5 years.

If for any reason you struggle to pay back the loan amount,this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.

How fast can I get a Payday Loan?

Fill out our 100% online request form and receive a decision about your loan approval in minutes. If your application is successful, you could even receive the funds directly into your account on the same day.

Capital Bean aims to make the process as simple and quick as possible. That is why we work with multiple lenders across California to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.

To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during California working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.

What is the process to request a loan in California?

Get started today by clicking on the ‘get started’ button below. This will take you straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.

FAQs for Payday Loans in California

What’s the maximum and minimum I can borrow?

Payday loan amounts range from $100 to $35,000 although California state law prohibits loans of more than $300.

If I have bad credit can I still get a payday loan?

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

What’s the maximum and minimum duration of a loan? 

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

Is Capital Bean a lender?

Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate in California. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.

How much does it cost to submit a payday loan request in California?

There are no fees to submit a payday loan request in California via Capital Bean’s online application service.

How quickly can I get the funds through? 

If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.

Where in California are Capital Bean?

Los Angeles