If you are facing a financial emergency with no money to cover it quickly, ASAP Finance is here to help you get an instant payday loan in California in minutes. You’re welcome to apply for small, short-term loans online via the website 24/7. Our secure and fast loan process requires no credit check, so you can borrow up to $255 within 24 hours to cover any sudden expenses.
California Rates and Terms
In California, payday loans offered both online and in a store are limited to $300, including the lender's fees. You can borrow money for 7 to 31 days. The maximum finance charge is 15% of the check amount ($45). This results in a fee of $17.65 for each $100 borrowed and an annual percentage rate of 460%. No rollovers are allowed in the state. There are no cooling-off periods between loans, and you can only have one payday loan at a time.
Let's look at a representative example:
- Online loan price: $17.65 for every $100 borrowed.
- Loan amount: $255
- Term: 14 days
- Total finance charge: $45
- Total payment amount: $300
What Do I Need to Get a Payday Loan in California
Our $255 payday loans are available online on the same day to California residents who reach the age of 18 and have a steady source of income. Additionally, you will be asked to specify the following basic details:
Personal information:
- Full name.
- A valid government-issued ID.
- Social Security number.
- Proof of address.
- Mobile phone number.
- Email address.
Financial information:
- Proof of stable income.
- Bank account details.
Online Payday Loan Process with ASAP Finance
To apply for a small loan through ASAP Finance, you need to:
Fill out a form. Complete our secure online form on the website. It will take you about 5 minutes.
Upload documents. Attach copies of the required documents to complete your application.
Get instant approval. After reviewing your application and running a soft credit check, we will send you a loan decision via email. Most borrowers get approval in 15 minutes.
Receive your money. If approved, you can get your funds within 1 business day via a direct deposit into your bank account. Instant payday loan funding to your debit card is also available in California.
Why Choose ASAP Finance?
ASAP Finance is known for its high reliability and transparent lending conditions. Here's what we offer:
- Simplicity. Our loan procedure is convenient and clear: you fill out an online form and receive approval in minutes without undergoing a hard credit check.
- Availability. ASAP Finance offers money to those overlooked by traditional banks, including unemployed borrowers, students, and people with less-than-perfect credit histories.
- Transparency. When applying for online loans through ASAP Finance, you will have all the information needed to make an informed decision. Your loan agreement will clearly outline the loan terms.
- Direct lender loans. We offer no-denial payday loans from direct lenders only, so people in California don't have to pay any middlemen fees.
- Reputation. Our company has high ratings and positive reviews on Trustpilot, BestCompany, and other customer review platforms.
- Safety. The latest software and encryption protocols we use securely protects clients' data. We comply with international data security standards and have all the appropriate certificates.
ASAP Finance Stores in California
Looking for personalized assistance? Visit ASAP Finance locations across California. Our stores offer quick and easy access to a wide range of financial products, including short-term loans and installment loans. Visit us today and get a solution tailored to your needs. Check out the list of locations below to find the nearest ASAP Finance store:
California Payday Loan FAQs
01
How much can you borrow in a payday loan in California?
ASAP Finance offers payday loan amounts from $100 to $300, including the fees. However, the exact sum will depend on your income and creditworthiness.
02
Does ASAP Finance check my credit history when I apply for a cash advance loan in California?
We perform a soft credit check when reviewing your application. It doesn’t affect your FICO rating and takes into account your income and information obtained from non-traditional credit bureaus. Don't worry if you have a bad credit history - it’s not a determining factor for us.
03
How can I pay back a payday loan in California?
An online loan is repaid automatically via an electronic debit from your account on the due day. You can also leave a post-dated check if you apply for a loan in an ASAP Finance's physical store.
04
Can I extend my loan until payday?
No, payday loan rollovers are prohibited in California.
05
How is the loan repayment date determined?
In California, payday loans need to be repaid within 31 days of receipt. In most cases, the due date is set by a borrower’s next paycheck.
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