Payday Loans in California CA - Apply Online - Bad Credit OK

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

We can help you borrow $300, $500 or $1,000 to help tide you over and you can receive the funds in 1 hour, 24 hours or the next business day – and we have a number of options available for people with bad credit.

Representative Example:
On an assumed loan amount of $300 over 2 months. Representative 369% APR. Total repayment amount $442.52 and total interest is $142.52. 2 monthly payments of $222.26

3 Simple Steps To Apply For Payday Loans in California


Apply Online

Apply from your laptop, tablet or phone in less than 5 minutes.

Immediate Decision

You'll get an instant on-screen decision about whether you have been approved or not.

Get Fast Cash

E-sign the loan agreement and get the money in your bank account the same or next business day.

How Can We Help You Find a Payday Loan in California?

Capital Bean can help you gain quick access to funds if you need fast cash in between paychecks. 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 in California. Apply today and get a decision in a matter of minutes! One of our most popular services are for residents who need a payday advance Los Angeles to get them through to the next payday.

Can I Apply For A Payday Loan in California With Very Bad Credit?

Yes – we work with direct lenders who will lend to borrowers with bad credit. With Capital Bean we will consider all types of credit history and if you have had credit issues in the past you can still apply. We work with a panel of lenders who specialize in helping those turned down for a loan.

Our lenders consider a range of factors including how much you want to borrow, for how long, your employment status, your monthly income and any other outstanding loans or debts. Capital Bean does consider borrowers who are looking for a no credit check loan but most of the lenders on our panel do require a credit history check.


Where Can I Find Payday Loans in California Near Me?

Capital Bean was set up to help you find a payday loan lender in any major city or town across California. We are a loans connection service which means that we work with a wide range of lenders to find the right loan for you. Our application process is 100% online which means that you get an instant decision and could have the money in your account the same day.

We know that going to lenders on the high street one by one is time-consuming and is not efficient. Through our online application form you can compare multiple lenders and find a quote that is most competitive.

Moreno Valley
Mountain View city
Newport Beach
Rancho Cordova
Rancho Cucamonga
Redwood City
San Bernardino
San Buenaventura (Ventura)
San Diego

Garden Grove
Huntington Beach
Jurupa Valley
Lake Forest
Long Beach
Los Angeles
Mission Viejo

Apple Valley
Buena Park
Burbank city
Chino Hills
Chula Vista
Citrus Heights
Costa Mesa
Daly City
East Los Angeles
El Cajon
El Centro
El Monte
Elk Grove

San Francisco
San Jose
San Leandro
San Marcos
San Mateo
San Ramon
Santa Ana
Santa Barbara
Santa Clara
Santa Clarita
Santa Fe Springs
Santa Maria
Santa Monica
Santa Rosa
Simi Valley
South Gate
Thousand Oaks
West Covina

Am I Eligible For A Payday Loan in California?

To be eligible for a payday loan you must be:

Resident in the U.S.
18 Years Or Older
Have a steady paycheck and employment
Earning at least $800 per month
Working cell phone
An active checking account for your loan to be sent to
San Diego, San Francisco and Los Angeles loans included

Laws For California Payday Loans

Legal Status Legal
Interest Rate (APR)
460% but 369% was the average in 2019
Maximum Loan Amount
Minimum Loan Term
Not Specified
Maximum Loan Term
31 days
Number of Rollovers
Number of Outstanding Loans
Cooling-off Period
Installment No
Finance Charges
$17.64 per $100.00
15% of the amount advanced (up to $45)
Statute of Limitations
4 years (from the last payment)
Database Loan Tracking

Reference: State of California Department of Justice

Is a California Cash Advance The Right Product For Me? 

We work with all different types of borrowers and what usually unites them is that they need loans for emergencies to get through some sort of financial emergency. That emergency could be that your car breaks down, you have a burst pipe at home or an unexpected medical expense. After you get approved by our panel of lenders you could have the money in your account in less than 60 minutes!

Capital Bean helps people in California find the best payday loan option that works for their circumstances.

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

We would not suggest payday loans for everyone. If you want some extra spending money to buy clothing, or go out for drinks with friends, then a payday loan is not the right solution. It is also not the right solution if you are facing long-term financial problems. There are much better options for this. A payday loan is for a short-term emergency expense that needs to be paid fast.

Before you take out a payday loan make sure to look closely at the terms and conditions that a lender puts in front of you. You should pay close attention to whether you can afford to pay back the loan that you have requested – will the repayments fit into your budget each month?

If you miss a payment or fail to pay back your loan for any reason then you will have to pay penalties – this could be extra interest and it could also impact your credit score.

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.

How Much Does A $100 California Payday Loan Cost?

This is a representative example of a $100 payday loan. The real terms may differ. If you were to borrow $100 in California at the maximum APR rate of 460% over the maximum duration, 31 days, with finance charges of $17.64, the total cost would be $133.08. This works out as a monthly interest rate of 38%.

What Are The Repayment Terms Of A Payday Loan In California?

Depending on which lender you work with will determine the terms and conditions of the loan. If you want to take out what is defined as a small loan ($1,000 or less) then we find that borrowers will typically repay their loan within two to four weeks.

If you are taking out a larger loan – over $1,000 and up to $35,000 then you will typically pay back this money over a longer period of time. Depending on the lender that you choose this could mean that you are making repayments for up to 5 years.

If for any reason you can’t pay back your monthly payment then this could have an impact on how much interest you have to pay and could hurt your credit score and rating over the long term.

What Is The Process To Request A Loan In California?

Get started today by clicking on the ‘Apply Now’ button below. This will take you straight to the 100% online form where you can answer some simple questions about how much you want to borrow and for how many months. 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 Most I Can Borrow In California?

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

How Many Payday Loans Can You Have In California?

In California, individuals are restricted to having a single payday loan at any given time, which must be paid back entirely before they can apply for a new one. As a result, borrowers are prohibited from obtaining a loan to repay an existing one.

Do Payday Loans Call Your Employer?

While not all payday lenders will contact your employer, some may choose to do so. Specific lenders may instead rely on more conventional means of verifying your identity, such as requesting statements, payslips, and bills.

What Happens If I Close My Bank Account And Don’t Repay My Loan?

If you close the checking account to keep the lender from taking what you owe, the lender might keep trying to cash the check or withdraw money from the account anyway. That could result in you owing your bank overdraft fees. The payday lender might send your loan to collections. Then there will be more fees and costs.

Can I Submit A Free Payday Loan Application?

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 Money In My Account?

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.