Online Payday Loans in California

Up to $255 with Instant Funding

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California Payday Loans

California Rates and Terms

ASAP Finance offers convenient online payday loans with no credit check for Californians seeking instant cash. These loans are perfect for urgent financial emergencies, be it medical bills or unexpected car repairs.

We provide easy cash advances, even for bad credit borrowers. Get up to $255 in instant funding swiftly deposited into your bank account. An average payday loan costs approximately $17.65 per each $100 borrowed. The maximum payday loan term is 31 days.

How The Process Work in California

The process of getting a payday loan in California is straightforward. Here’s how it works:


In order to complete the application, a borrower uploads all the required documents through a simple online form.

Approval Decision:

A lender reviews the borrower’s documents and gives a guaranteed approval decision on providing a payday loan.

Funds Transferring:

If approved, a lender will transfer funds to a borrower's bank account (often via direct deposit). The cash transfer process usually takes a business day or even less.

Repayment Period:

A person must repay the loan within 2–4 weeks. The exact date is often set to be their next payday.

What Do I Need to Apply for a Payday Loan?

To apply for a payday loan, you must meet these criteria:

  • Be a legal US citizen;
  • Be at least 18 y.o. or older;
  • Provide most recent pay stubs or bank statements as proof of your ability to repay;
  • Have a driver's license/photo ID and Social Security Number (or alien registration number or ITIN);
  • Have an active bank account/checking account.

How to Borrow Money Online in California?

You need to complete our loan application to get an online payday loan in California. This form allows payday lenders to understand your borrowing needs. After a soft credit inquiry by a direct lender that matches your profile, you'll be sent a loan offer via email. All you need is a smartphone or a computer with internet and some spare time.

Why ASAP Finance in California

We provide short-term loans in California for up to $255 with almost instant approval. Our direct lenders conduct soft credit checks. These checks won’t affect your FICO credit score. We aim to deposit the money in your checking account on the same day if you sign your loan agreement in the early morning.

  • Safe and Secure - We connect you with reputable direct lenders proven over time by thousands of borrowers. ASAP Finance is secured with 256-BIT SSL to keep your info safe.
  • Licensed - We only work with licensed lenders who have all the necessary documentation on hand.
  • Lightning-Fast Support - ASAP Finance Support Team is always ready to help! Share any questions and concerns, and we will reply shortly.
  • Wide Range of Services - ASAP Finance delivers a broad range of short-term loans in many states, including small loans, installment loans, loans for bad credit borrowers, and many more.

ASAP Finance Stores in California

ASAP Finance has multiple branches situated in California if you would rather process your loan application in person.

ASAP Finance in San Diego, CA

5075 Shoreham Pl unit 160, San Diego, CA 92122


ASAP Finance in San Jose, CA

1754 Technology Dr suite 115, San Jose, CA 95110


ASAP Finance in Riverside, CA

6809 Indiana Ave #105, Riverside, CA 92506


ASAP Finance in San Francisco, CA

1455 Market St unit 1100, San Francisco, CA 94103


Frequently Asked Questions


Where Can I Get Online Instant Loans with No Credit Check in CA?

ASAP Finance provides access to instant payday loans up to $255 in California, all online and available the same day. Online payday loans are much quicker to get compared to traditional financial institutions like banks or credit unions, largely due to the absence of a hard credit check.


Can I Borrow Money Instantly With Bad Credit?

Yes, borrowing money almost instantly with bad credit is possible. Lenders typically take about 15 minutes to process loan applications and focus on fast fund distribution. They look at your stable income more than your credit score to ensure the loan amount is suitable for your financial situation. As long as you can repay a loan - a poor credit score is not a problem.


When Can I Request an Online Payday Loan in California?

Our online payday loan connecting service in California is available 24/7. Loan transactions are processed on weekdays from 9:00 AM to 7:00 PM EST. The electronic funding is conducted on standard bank days (Monday – Friday).


Is It Possible to Get a Payday Loan for More Than $255 in California?

No, it isn’t possible. California strictly enforces a $300 limit on any legal-operated payday loan providers. A deferred deposit transaction will include the finance charge of $45, which means that you receive $255 to your debit card.


Are There More Special Rules for Payday Lending in California?

Here are the most important details concerning payday lending in California.

  • The state's regulations prevent lenders from charging extra for extending loans and prohibit rollovers.
  • A $15 NSF fee is the only additional charge permitted.
  • Only one active payday loan is allowed per borrower, with a mandatory interval required between successive loans.
  • Criminal actions against defaulting borrowers are not allowed, under no circumstances.


What If I Fail to Repay My Payday Loan in Time?

Proactive repayment planning is crucial to avoid complications. Should you miss the payment deadline on your payday loan, expect additional charges from lenders. A delay could escalate to the involvement of a collection agency, which may adversely affect your credit score.

Get up to $255 Online or In-store with Payday Loans in California! Apply Online Now I read and agree to Terms, Rates, Privacy Policy before submitting a loan request.

Written by Gregory Allen

Published on December 11, 2023