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Apply for Payday Loans In California, CA
Borrow $500, $1,000, $2,000 Today!

Get a California Payday Loan with Dime Alley in all areas including Los Angeles, Bakersfield, San Diego, San Francisco or even SoCal. Borrow from $100 to $35,000, Repaid over 1 to 60 Months. Once Approved, Receive Your Funds in 1 to 24 Hours, with Bad Credit and No Credit Check Options Available.

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How to Apply for Payday Loans in California in 3 Steps :

Step 1: Apply Online Today

Apply Now →

Step 2: Wait to Hear Back

Step 3: Get Your Loan!

Where Can I Get a Payday Loan in California, CA?

You can apply for a payday loan in any town or city in California, CA with Dime Alley! We will help you to find a lender and plan that personally suits you, and the process is fully online and hassle-free!

As a loans connection service, we process your application against hundreds of direct money lenders, apps and payday stores to find you the best approval and most competitive rate for loans such as $300, $500 or even $5,000.

If you are thinking about going to lots of different payday lenders and waiting for your application to be approved, think again! With Dime Alley, we process everything for you quickly and hassle-free, and, if approved, you could get your loan in less than 24 hours.

Am I Eligible for a Payday Loan in California, CA?

In order to qualify for a payday loan in California, CA, there are only a few simple criteria that you need to meet to have a chance at being approved!

  • You must be a US resident, over the age of 18
  • Currently living in the US
  • You should have a stable, regular income, earning a minimum of $500 (part-time) or $800 per month
  • You should have a valid mobile phone account and a live checking account (for your loan to be deposited into)
  • SSN (social security number)

How Long Will it Take to Get a Payday Loan in California, CA?

It can take as little as 1 hour to get a payday loan in California, or somethings 24 hours or the next business day depending on extra checks and whether you applied during work hours.

With Dime Alley, your online form is sent to different lenders in California, and you will receive an instant decision. You will need to approve this and electronically sign the loan agreement, which highlight the terms of the loan including the rates, interest, repayments and what happens if you cannot repay.

The lender will carry out further checks which may include credit checks, a phone call to you and sometimes proof of income, employment and your address. Once fully approved, the funds can be transferred to your bank account immediately in one lump sum.

How Much Does a $300 Payday Loan in California Cost?

Borrow $300 over a two-week term, will cost $345 ($15 per $100) based on a representative APR of 400%.

Source: ConsumerFinance.gov

Can I Get Payday Loans in LA, San Fran and San Diego?

Yes! Dime Alley offers payday loans in Los Angeles, San Francisco, San Diego, as well as all other major towns and cities in California. Our process is all online, which means you can even apply for a payday loan whilst lying in bed!

We proudly cover all areas of California, including Anaheim, Bakersfield, Corona, Denton, Escondido, Modesto, North Hills, Ontario, Orange, Sacramento and Stockton.

Can I Apply For a Payday Loan in California with Bad Credit and No Credit Checks?

Yes, we are pleased to offer payday loans in California for people with bad credit, provided that you have a stable employment and regular employment so that you can afford to repay your loan on time. We appreciate that when looking for loans for bad credit, it can be tough and can feel like you are always being turned down.

But we work with such a wide range of lenders that we will be able to offer an array of products which are designed to accommodate very poor credit histories, including loans with collateral (such as secured and title), credit cards, credit unions, apps and more.

Whilst we will typically run a credit check for each applicant, it is possible to get loans without credit checks, but you will usually need to be employed and have some valuable assets to back it up, such as a car, vehicle or property which is used as part of the loan agreement. However, we understand that no everyone has a good credit score and we are delighted to offer a number of alternatives that can help you borrow $500, $1,000 or $2,000 today.

What to Consider Before Getting a Payday Loan in CA

You should first check that you meet the eligibility criteria (see above) before you apply. Make sure you consider whether you can afford to meet the repayments on time.

In the case that you are unable to repay your California payday loan, interest and late fees will typically be added and not repaying your loan on time may also affect your credit score. Always consider exactly how much you need to borrow and when you plan on repaying this. Whilst payday loans often last just a few weeks, you can opt for loans repaid over 3,6,12 or 24 months and you may prefer to have this extra breathing space.

Useful Guides

Can I get a loan with bad credit?

What are the price caps in each state?

What happens if I cannot repay my payday loan?

Will a payday loan affect my credit rating?

Rules and Regulations for Payday Loans in California

  • Legal Status: Legal
  • Maximum Loan Amount: $1,000 (or 25% of gross monthly income)
  • Minimum Loan Term:13 days
  • Maximum Loan Term: 120 days
  • Number of Rollovers Allowed:0
  • Number of Outstanding Loans Allowed: 2
  • Cooling-off Period: 7 days
  • Installment Loans allowed: Yes
  • Finance Charges: 15.5% per $100 + $1 verification fee
  • Interest Rate (APR): ~400%

Find out if you’ll be approved without affecting your credit score.

Representative 400% APR
Subject to status. T&Cs apply.^

How it Works

1

No Upfront Fees

There are no fees for applying with Dime Alley, so you can apply and get an indicative quote with no costs or impact to your credit score

2

Reliable

We are a safe and legitimate company and we always take precautions to look after your data and information

3

Flexible Amounts and Repayments

You can borrow $100 to $35,000 with repayments in flexible installments over 1 to 60 months

Where Can I Get a Loan in California, CA?

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

FAQ's

How Many Payday Loans Can You Have in California?

With California payday loans, lenders can offer a loan (called a “deferred deposit transaction”) of up to $300 for a term of up to 31 days. A borrower can have only one payday loan outstanding at any given time.

What is The Repayment Period on My Payday Loan?

Customers can repay over 1 month to 60 months (or equal to 5 years) – this will depend on whether you prefer the payday option which may be just a few weeks or months, or the longer installment option which can be several years to stretch out your repayments. Payments are usually made in equal monthly installments from the bank account you choose and you always have the option to repay early if you would like to do so.

Am I Charged a Fee For Using Dime Alley?

No! We will never charge fees for using our service. Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

How Much Can I Borrow in California?

With Dime Alley, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability. Other things come into play too, including your residence (homeowners are often preferred), age and whether you have any other similar loans open too.

Is There a Price Cap on California Loans?

A payday loans interest cap is a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan. The goal of an interest cap is to protect borrowers from excessively high interest rates in an attempt to make loans more affordable and also to deter lenders from predatory lending. In California, the interest rate cap on payday loans is 460%.

Is Dime Alley a Direct Lender or Broker?

Dime Alley is a broker, which means we act as a loans connection service to match your loan request with the best loans company in California for you. We work only with direct lenders who will process, fund and collect your loan from start to finish.