**We’ve removed a handful of companies from our database over the past few months. California has enacted tough lending rules and some payday lenders and installment lenders no longer service the state. Use our list of online lenders in California to your advantage. Most importantly, be sure to find a company that’s offering the best rates and payback terms! We expect a few companies to offer cash advance loans again as we move through 2020.**



**Last Revised 9-14-2020**



MyPaydayLoan: MyPaydayLoan is a longtime direct lender that just started offering online loans in California. As of 2020, they’re offering payday loans that go up to $1250 for California residents. Once approved, you can receive funds in 24 hours or less. New applicants must provide a valid bank checking account(no pre-paid checking accounts or savings accounts). You also need to show verifiable monthly income.



5kFunds: They’ve been operating for years & have helped thousands of Californians get an online personal loan of anywhere from $500 to $5,000. They also offer payday loans & peer-to-peer funding in addition to personal loans. The application process takes 5-10 minutes and you many be able to get money within 24 hours.



Blue Trust Loans: Blue Trust is an online only lender that offers personal loans of up to $2,500 in California. They have an easy online application process & funds are deposited into your account in one day upon approval. You need a verifiable source of direct deposit income and an active checking account. Their loans are due within 6 months and there is no pre-payment penalty.



Check Into Cash: You’ve probably seen their commercials or driven by one of their many storefront locations throughout the state. The good news is they also offer a payday loan option to consumers with bad credit. Check Into Cash has been around for years and has great customer service with quick online application process. CIC offers online payday advances with funds available in one day for California residents.



Opploans: Opploans is a new online company that prides themselves on providing strong customer service and fast funding times. Opploans has interest rates that are 120% cheaper than what you see with other companies. They currently promote an installment loan of $2,600 and up with a repayment term of 1 to 2 years.



Are you having difficulty qualifying for a payday or installment loan with the online lenders listed here? Most consumers can qualify with at least one or two cash advance lenders listed on this page, but some will have issues qualifying because of bad credit or delinquent payday loan issues. If you’re a California resident with bad credit that’s having problems qualifying for a payday loan then you may want to check out LendYou. They work with over 75 direct lenders that offer California payday loans to qualified borrowers regardless of bad credit, Chexsystem report, or past payday advance use.



LoanbyPhone: You can apply for an online payday loan from LoanByPhone with your phone or desktop and get money in the bank within 24 hours. Customers in California can apply for short term payday loans of up to $255 with payoff terms that average a few weeks. You need a bank account that’s been open for at least 90 days with proof of income from a job or pension to qualify.



Bad Credit Lending: BadCreditLending connects Californians with online lenders who offer instant payday loans with amounts that approach $1,000. Poor credit is welcome, but you’ll likely see an offer that’s less than $1,000 with a higher APR. You must make $1,200 a month and have direct deposit with a checking account to qualify.



Payoff: Payoff offers online FLEX loans to consumers in California. With a flex loan you apply for a line of credit that suits your needs. The current amount offered is anywhere between $7,000 and $30,000. Once you get approved you can withdraw money from the line of credit as needed. You can pay off the amount in full anytime with no prepayment fees.



CashNet USA: Cashnet has offered online payday loans in California for years. CashNet is a well-respected payday advance company that’s been funding storefront and online loans for years. They’re currently offering new customers a discount of 15% on your fees! To get this discount use promo code “A15CASH” when applying through their site.



Jora Credit: Jora provides installment loans that go from $2500 to $3500. Borrowers can choose between monthly or bi-weekly payments with payoff times that range from 2-4 years. Upon approval, you are eligible for next day funding and there is no early payoff penalty. Jora requires applicants to show proof of current income.



NetCredit: NetCredit is a new company offering online loans to California consumers. NetCredit provides online installment loans ranging from $2,500 to $10,000 with a payoff term of anywhere from 6 months to 3 years. They are probably not a fit if you have bad credit. They generally require average to good credit when you apply online.



CashMax: CashMax is a direct lender with multiple offices in San Jose and Sacramento. CashMax has been a Deferred Deposit Originator in California for 15 years and it looks like they offer secured title loans as well. Approval can take less than 15 minutes and you can finish the application entirely online. Loan amounts start at $50 and go $255 for those who qualify.



Cash Central: A large direct lender with an online application process that’s been providing payday loans for years. They offer qualified applicants quick approval on amounts of $200-$600. Use discount code “FB11820” anytime through September for 20% off lending fees. Cash Central also funds installment loans of up to $5,000. You can payoff their loan in 12-36 months opposed to a few weeks with a traditional loan.



Money Lion: Money Lion is a new West Coast payday loan lender with different types of financing for applicants with varying credit scores. In pursuant to the California Department of Finance, they offer various options to state residents of anywhere from $200 to $5,000. Their starter loan has a payoff term of 3 months to 1 year. Expect their installment loans to come with a term of 1 year and up. MoneyLion has an express application process for payday loan applicants who already have a loan with them.



Loan Solo: Per their site, they have a completely automated online application process that should take less than 3 minutes to complete. Bad credit is ok, but you must be 18 years old and have an active checking account to qualify.



Upstart: Upstart funds online personal loans of up to $3,000. When you apply with Upstart you’ll get an approval answer within 5 minutes and get your money by the next business day. There’s no penalty for paying off your loan early and interest rates are generally much lower when compared to other personal loan lenders. You need a credit score of at least 700 to be approved for financing.



Loan Exchange: A new company that provides different types of payday loans to California residents. Offering $7,000 and up for borrowers with decent to good credit. They feature a 3-minute application, with same day cash if you qualify. Checking your rate will never affect your credit score. You must have an active checking account to qualify for an advance.



National Payday Loans: A large national lender that funds payday loans online of up to $700. National has an active California Deferred Deposit Transaction Law License as of 2020. Apply by 2pm and get money in your bank account the next day. They feature a same day wire option for those eligible for a California payday loan.



AceCashExpress: Neighborhood lender who provides installment and online payday loans in California. Funding amounts range from $2,600 to $5,000 and you can make weekly or monthly payments. Ace funds a payday loan of up to $250 and borrowers can expect a payoff time of two weeks to a month. Californians can pickup their funds at a local Ace office or have it deposited into a checking account in one day. Ace is licensed by the California Department of Business Oversight.



Lending Club: They have provided small business loans for years in California. Lending Club is a small business lender and is different from most of the cash advance and personal advance companies listed here. Interest rates will start at 4%, but check their terms and conditions page for more information. They generally look for applicants with a company in business for two plus years, with a total amount of 75k+ in yearly sales. You need to show a credit score of at least 600 to gain consideration for a loan.



Avant: Avant offers an online personal loan of $1,000 to $35,000 to local residents. They’re a great company if you’re looking for a high dollar amount. But it’s tough to get approved if you have bad credit. Unlike most lenders in CA, you generally need an average to good credit rating to qualify. They claim that most qualified applicants will fund by the next business day. Avant has an active license with the California Department of Business Oversight(DBO) pursuant to State’s California Finance Lender Regulations. They feature lending terms of 12-60 months for qualified residents.



Payday Loan Today: Payday Loan Today is a third party cash advance lender. This service has funded California payday loans online for over a decade. They have a quick and easy online application process. If approved for financing you can get money in your bank account by 6pm EST and expect a payoff term of 31 days. New applicants must be employed with direct deposit and can’t have any delinquent payday loans with other companies. Golden State residents can use coupon code “No Fees” to save on processing fees for amounts up to $250.

