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?
