Choose Harpsey for the best rates on payday loans in California. Our quick and easy process is here to help you secure a loan to suit your needs, even if you have a bad credit history. Our fast online process means that once approved, you could receive your funds within 1 hour, or the very next business day. Click ‘Apply Now’ now to begin your application. From Los Angeles to San Francisco, Bakersfield to San Diego – we can help find the best payday loan in California for you.
Apply For Payday Loans in California Now
3 Simple Steps To Get a California Payday Loan:
STEP 1:
Apply Online With Harpsey
STEP 2:
Wait For Approval From A Reputable Lender
STEP 3:
Receive Your Loan In Your Account!
Why Should I Choose Harpsey for Payday Loans in California?
As much as you can try to stick to budget, we can all experience unexpected bills that can leave us short financially. If you need money now to help you until your next payday, Harpsey can offer you a fast way to get a loan in California.
Our loan request service helps to match you with direct lenders across California who can give an instant response to your inquiry. We process everything for you quickly and carry out this personalized matching service free of charge.
Do I Have to Pay To Apply For a Loan in California?
We offer a 100% free online service. You are able to apply from the comfort of your home in California and receive results of your inquiry in minutes. If you pass the checks, you can receive money in your account as soon as possible. There are no fees for applying and there will be no impact on your credit score in any way.
Can I Get a Fast Payday Loan in California?
If you are looking to borrow up to $300, you can use our fast service to make your payday loan request. Simply fill out our online loan inquiry form and an instant decision will be available on your screen. In some cases, your approved lender could have your money in your account within 1 hour, 24 hours or same day.
Do I Fit the Criteria for a Payday Loan in California?
In order to apply for a payday loan in California you should meet the following criteria :
- You must be a U.S. citizen
- You must be at least 18 years old
- You must have employment and a steady income
- You must earn a minimum of $800 per month
- You must have a live US checking account for your loan to be deposited into
Key Features of Payday Loans in California
| Bad Credit | Yes |
| Upfront Fees | No |
| Direct Lenders | Yes |
| Max Amount | $300 |
| Loan Terms | 1 to 60 Months |
How Much Does a Payday Loan Cost in California?
This is a representative example of a typical payday loan. The real terms may differ.
If you were to borrow $100 in California , at the maximum APR rate of 460% over the maximum duration of 31 days, with financial charges of $17.64, the total cost would be $133.08. This works out as a monthly interest rate of 38%
Is a Payday Loan in California Right for Me?
Many people use Harpsey to find short term loans to handle unexpected bills, emergency expenses or home repairs. Once approved, you can get the funds into your bank account in just one hour.
Harpsey helps you to find payday loans in California with all the best features:
- Speedy online loan request form
- Instant decisions
- Same day funding
- Flexible repayment options
- Possibilities for people with poor credit
Payday loans are not right for you if you are hoping to access some extra cash for frivolous spending or if you are trying to solve a long-term financial issue. Be sure to look into the payday loan repayments and whether you will be able to afford them. If you fail to repay the loan, this may increase interest and affect your credit rating.
Can I Get a Payday Loan in California With Bad Credit?
You can apply for a payday loan in California with a bad credit rating and should not be discouraged if you have been turned down by other lenders or banks.
We work with more than 50 lenders who are able to accept all credit histories, so begin your application for a bad credit loan with Harpsey now and we will work hard to find a lender fast that can help with your financial situation.
Do You Offer Payday Loans in California with No Credit Checks?
Our process involves a quick soft credit check for all applications, however this will not impact on your credit score. Our simple online form helps gain insight into how successful your application would be without conducting a full examination of your credit history.
Applying for a payday loan with Harpsey will therefore not affect your credit rating in any way. However in some instances lenders can consider no credit check loans. Apply today to explore your options.
Can I Get a Payday Loan in California With Guaranteed Approval?
Whilst there is no full guarantee of your application being accepted, our approach to securing you a payday loan involves searching a wide range of lenders across California to increase your chances of approval.
Many brokers prioritise borrowers with bad credit history as they fully understand the difficulties of securing a loan. So even if you have a low credit score, applying with Harpsey makes it hassle-free to find the right loan for you.
What To Consider Before You Apply for a Loan in California?
To begin you should check that you are eligible for a payday loan. These criteria ensure you have financial stability and can make your repayments on time.
It is important to think about how much money you need to borrow before getting started. If you take out too little you may be left short for your expenses, but if you borrow too much you may struggle to meet your repayments which could affect your credit rating.
What Happens If I Miss Repayments?
Once you have been approved by one of our selected lenders you will agree to a repayment schedule to fit your situation. If however you find you are unable to repay your payday loan, interest may be added and not repaying your loan on time may also affect your credit score.
It is important to contact your lender immediately if you are aware you will miss an upcoming payment for your payday loan. They may be able to offer a solution which can avoid further financial difficulty.
Where Can I Find a Payday Loan in California?
Whether you are looking to borrow $100, $300 or $500, Harpsey searches multiple providers from wherever you are and gives you an instant decision, allowing you to save time and borrow money fast.
As our process is all online, we can find you a lender across all areas of California regardless of which town or city you are in:
Alameda
Alhambra
Alta Loma
Altadena
Anaheim
Arcadia
Artersia
Auburn
Bakersfield
Cabazon
Calexico
Camarillo
Campbell
Canoga Park
Canyon Country
Canyon Lake
Daly City
Delano Desert Hot Springs
Dinuba Downey
Duarte Dublin
East Rancho Dominguez
El Cajon
El Centro
El Cerrito
El Granada
El Monte
El Segundo
El Sobrante
Elk Grove
Fresno
Gilroy
Glendale
Glendora
Lancaster
Long Beach
Los Angeles
Modesto Mountain
View Murrieta
Napa National City
Newark
Newport Beach
Oakland
Oceanside
Ontario
Orange
Orangevale
Orland
Oroville
Oxnard
Palm Springs
Palmdale
Palo Alto
Pamona
Panorama City
Paradise
Paramount
Pasadena
Paso Robles
Patterson
Perris
Petaluma
Pico Rivera
Pinole
Pismo Beach
Pittsburg
Placentia
Placerville
Pleasant Hill
Pomona
Port Hueneme
Porterville
Poway
Ramona
Rancho Cordova
Rancho Cucamonga
Rancho Mirage
Red Bluff
Redding
Redlands
Redondo Beach
Redwood City
Reedley
Reseda
Rialto
Sacramento
San Bruno
San Diego
San Francisco
San Jose
Santa Barbara
Santa Monica
Santa Rosa
Stockton
Temecula
Temple City
Thousand Oaks
Torrance
Tracy
Tulare
Turlock
Tustin
Twentynine Palms
Ukiah
Union City
Upland
Vacaville
Valencia
Vallejo Valley
Village Van Nuys
Venice
Ventura
Victorville Vista
W Hollywood
Walnut
Walnut Creek
Wasco
Watsonville
West Covina
West Sacramento
Westminster
Westwood
Whittier
Willits
Willows
Wilmington
Windsor
Winnetka
Woodland
Woodland Hills
Yorba
Linda Yreka
Yuba City
Yucaipa
Yucca Valley
FAQs | Payday Loans in California
- Is Harpsey a Broker?
- Are Payday Loans Legal in California?
- What Is The Price Cap For Payday Loans In California?
- How Many Loans Can You Have Open In California?
- How Much Money Can I Borrow?
- Can I Repay My Payday Loan Early in California?
Yes. Harpsey is a broker meaning that we do not provide the funds for your loan directly. We connect you to a lender based on your personal situation.
Payday loans are legal in California. There are regulations for how much you can borrow.
In California the maximum interest rate for loans is 460%. This price cap is intended to protect borrowers from extremely high interest rates.
At any time, you can only have 1 payday loan in California. Therefore any payday loans you have must be repaid in full before you can obtain necessary future payday loans.
There are loan regulations in place in California for how much money you can borrow. It is only possible to borrow up to $300 and the maximum loan term is 31 days.
Yes. There are usually options to repay your loan early in California in order to save on interest payments. Be sure to ask your lender about early repayment options.