Best Direct Payday Loans Lender In California In 2023

Nikhil Goswami  - Supplements, Finance, Dating, Crypto

If you need quick cash to cover unexpected expenses, payday loans can provide a fast and convenient solution.

These loans are available from various lenders and offer quick acceptance times, with funds typically appearing in your bank account within an hour.

To help you find the best payday loans in California, our team of experts has scoured the web to create a comprehensive list of top lenders.

We’ve gathered details on loan amounts, requirements, fees, and repayment terms, so you can make an informed decision that fits your needs.

In this article, we’ll guide you through the payday loan process and help you find the right lender for you.

Top 6 Payday Loans Online California [2023 Reviewed]

  1. MoneyMutual – Best Overall Payday Loans Online California, #1 Pick
  2. BadCreditLoan – Popular Online Payday Loan California
  3. RadCred – Recommended California Payday Loans
  4. PersonalLoans –  Best Direct Lender Of Online Payday Loan
  5. CashUSA – Best In Reliable California Payday Loans.
  6. Money-Wise – Trusted Payday Loan Online

Review of the Best Payday Loans in California

#1. MoneyMutual – Best Overall Payday Loans Online California, #1 Pick

MoneyMutual is a payday loan brand that is based in California. It offers short-term financial help with a flexible payment plan that is ideal for people who have an urgent need for cash with bad credit.

In this review, we will discuss the amount of money that can be borrowed, the APR, credit score requirements, and approval, as well as highlight four of the features of this loan product.


MoneyMutual offers a cash advance of up to $2,500. This amount can be borrowed in discrete amounts with a minimum of $100, meaning you can borrow as much or as little as you need.

APR (Annual Percentage Rate)

This loan product has several fees, which account for 295.9% in interest. There are probably better APRs than this if you are looking for a long-term loan product. However, in the context of a payday loan, it is reasonable.

Minimum Credit Score And Approval

The minimum credit score for approval for this loan product is pro 600, and the approval process is relatively straightforward. This remarkable feature is ideal for people who need a quick cash pick-up.


  • Easy To Apply And Fast Approval: This loan product is one of the quickest and most straightforward payday loans to apply for. The approval process is easy, and it can take less than 15 minutes to complete the whole process.
  • No Credit Checks: MoneyMutual does not carry out any credit checks that would otherwise affect your credit rating, making it ideal for people with poor credit scores.
  • Zero Fees: MoneyMutual does not charge fees, which is a great plus for people needing gap financing.
  • Flexible Payment Scheme: MoneyMutual offers an easy-to-use repayment plan so you can pay back the loan in parts or in full. Such convenience is helpful if you are trying to ensure that you stay in control of your finances.

Overall, MoneyMutual is ideally suited to those with an urgent nebed for short-term financing. The loan terms are reasonably accommodating, and it’s simple to apply.

In addition, MoneyMutual’s fee-free policy and flexible repayment scheme make it a suitable option for those needing additional cash to cover urgent expenses.

=> Click here to visit the official website of MoneyMutual

#2. BadCreditLoan – Popular Online Payday Loan California

BadCreditLoan is a well-known brand operating in the California online payday loan industry. It offers a viable option to Californians who need money to meet immediate financial obligations.

It boasts several attractive features that are designed to make the loan process easier and more efficient for its customers.


The amount for a loan is usually between $100 and $1000. It generally depends on factors like the state from which the loan is being requested, the applicant’s credit score, and the applicant’s availability of collateral.

The maximum loan amount can be much higher but is subject to certain conditions.


The Annual Percentage Rate (APR) for a BadCreditLoan is incredibly attractive compared to most lenders. The range is between 26.99% and 35.99%, depending on the risk associated with the loan.

This interest rate makes it a very appealing option for potential customers who require funds urgently.

Min. Credit Score

BadCreditLoan has a minimum credit score requirement of 500 to be approved for a loan. This condition only shows that even applicants with poor credit scores may be approved for a loan, since it is possible to obtain a loan from BadCreditLoan despite having a low credit score.


The approval process for a loan from BadCreditLoan is relatively straightforward and uncomplicated.

Users can complete the entire process online, and applications are usually approved within a few hours of being submitted. Customers may receive loan funds in as little as one business day.


  • Modifiable Terms: BadCreditLoan allows its customers to modify the terms of their loan once it has been approved. This characteristic gives customers a chance to customize their lending terms to suit their needs better. This may include changing the loan period, the repayment schedules, and the loan rates.
  • Payment Flexibility: BadCreditLoan makes it easy for its customers to make payments on their loans by allowing them to pay off their loans in installments. Customers also have the option to pay off their loans in full payments at any point in time, thereby eliminating the need to pay any interest or fees once the loan has been paid off before due date.
  • No Prepayment Penalties: Another attractive feature of BadCreditLoan is that there are no prepayment penalties. This procedure benefits customers who may need to pay off their loans quickly or wish to pay off their loans in the event of an emergency.
  • No Hidden Fees: BadCreditLoan does not include any hidden or additional fees with its loans. Such transparency ensures that customers can handle unexpected charges in addition to their loan payments.

Overall, BadCreditLoan is a viable option for Californians who need a payday loan. It offers attractive rates and repayment terms, with the possibility of loan customization and convenient payment options for its customers with no credit check.

The lack of hidden fees makes it an attractive option compared to other lenders, and the ability to adjust loan terms makes it incredibly convenient for those in a tight spot.

=> Click here to visit the official website of BadCreditLoans

#3. RadCred – Recommended California Payday Loans

RadCred is a California-based payday loan provider that offers its customers a range of cash advances and short-term borrowing options. Their flexible repayment plans and high loan amounts set them apart from other lenders.

With RadCred, customers can get up to a maximum of 500 dollars with repayment terms ranging from two weeks to a full year.

Aside from RadCred’s unique products and services, their affordability, speed of approval, and exceptional customer service make them one of the best short-term lenders in the business.


RadCred offers payday loans of up to 500 dollars. This amount is far higher than most payday lenders, making RadCred an attractive choice for people needing emergency cash or wanting to cover a small expense without committing to a larger loan.


RadCred’s APR typically ranges from 30–60%. This allotment aligns with most other payday lenders so customers can expect a good deal from RadCred. However, it’s important to keep in mind that the APR will depend on the customer’s creditworthiness and other factors.

Min. Credit Score

The minimum credit score required for customers to qualify for a RadCred payday loan is 640. This requirement is slightly higher than the requirement of other lenders, so customers may need to improve their credit score before they can qualify for a loan.


RadCred’s approval process is one of the fastest and most intuitive in the industry. Customers who meet the requirements can get their loan approved in a few hours and have cash in their hands the same day.

This minimal time frame makes RadCred ideal for people needing immediate cash access.


  • Flexible Repayment Terms: RadCred is one of the few lenders offering customers the flexibility to choose repayment terms. Customers can borrow up to $500  and choose from repayment plans ranging from two weeks to a full year.
  • This interval makes it much easier for customers to budget and plan their monthly expenses.
  • Fast and Convenient Application: RadCred makes the application process extremely convenient with its online application form. Customers can fill out the form in the comfort of their own homes, and the application is usually processed in a matter of hours.
  • Such an advantageous feature makes getting approved much quicker and more convenient than with other lenders.
  • Exceptional Customer Service: RadCred’s customer service team is regarded as one of the best in the industry. They are always available to answer customers’ questions, help them with the application process, and provide any advice needed.
  • No Early Payment Penalties: One of the best things about RadCred is that they don’t charge customers any early payment penalties. This trait means that customers who can repay their loan ahead of time won’t be charged additional fees.

RadCred is an excellent option for customers looking for a short-term loan. Their flexible repayment plans, fast approval process, and competitive rates make them one of the best payday loan providers in the business.

Whether you’re looking for a loan to cover an unexpected expense or to help manage your monthly bills, RadCred can help you get the funds quickly and easily.

=> Click here to visit the official website of RadCred

#4. PersonalLoans – Best Direct Lender Of Online Payday Loan

If you are looking for a loan that can help you get the financial help you need quickly and conveniently, PersonalLoans may be the right choice for you.

PersonalLoans is a California-based online lender that provides payday loans to borrowers in California.

Whether you need to make a more significant one-time purchase or need some extra funds to make it through until your next payroll period, PersonalLoans is an option.


PersonalLoans offers payday loans that range from $100 to $2,500 with an Annual Percentage Rate (APR) of 95%. The minimum credit score required to apply for a loan is 550, with loan terms ranging from 4 to 12 months.

The approval process with PersonalLoans is often fast, with some borrowers receiving funding as soon as the same day of application.

When considering your loan options, here are four highlights of PersonalLoans that make them a great loan solution for many California residents:


  • Instant Online Pre-Qualification: When you apply for a loan with PersonalLoans, you can fill out a 35-second online form and be instantly pre-qualified. This accessibility allows you to start the process without waiting hours or days.
  • If approved, you’ll move on to the next step in the loan process.
  • Monthly Payments: PersonalLoans offers borrowers the option of making monthly payments rather than lump-sum payments. This feature makes it easier for you to manage your budget and avoid stress caused by due date and other inconveniences.
  • No In-Person Visits: With PersonalLoans, you don’t need to worry about making multiple in-person visits. All you have to do is provide your information online, and PersonalLoans takes care of the rest.
  • High-Quality Customer Service: One thing that differentiates PersonalLoans is its high-quality customer service. The staff will be available to help you with any questions or concerns you may have throughout the loan process.
  • In addition, they are knowledgeable and will provide you with reliable guidance regarding your loan.

When it comes to payday loans, PersonalLoans offers a great solution.

From fast pre-qualification to friendly customer service and flexible payment options, PersonalLoans’ instant payday loans are a great way to get the financial assistance you need. If you live in California, don’t hesitate to experience the convenience of the PersonalLoans service for yourself.

=> Click here to visit the official website of Personal Loans

#5. CashUSA – Best In Reliable California Payday Loans

A California Payday Loan, CashUSA, is a great option for those in need of emergency funds. It is a legitimate, reliable, and secure payday loan company that makes it easy to quickly get the cash you need.


When you apply for a loan from CashUSA, you can expect to receive up to $1,000 for your loan. It is important to note that your loan amount will depend on the lender you are paired with and how much you are approved for.

It’s important to understand that fees are also associated with your loan, which can be up to 20% of your loan amount.


The APR for CashUSA can range from 5.99% up to 35.99%. It is important to note that the total cost of these loans varies by loan amount, loan term, and lender availability.

Min. Credit Score

When it comes to the minimum credit score that CashUSA is looking for, they don’t have a specific minimum credit score requirement. CashUSA is open to all types of people, and they tend to approve those who have lower credit scores.


The approval process for CashUSA is straightforward. All you have to do is fill out the online form and wait a few minutes while they run a credit check.

On the same day or the next business day, you will have an answer as to whether you have been approved for the loan or not.


  • Quick Approval: CashUSA provides fast approval, usually within one business day. That means you can quickly get the necessary funds without waiting for weeks.
  • Easy Application: Applying for a loan from CashUSA is easy and only takes a few minutes. All you need to do is fill out your information and submit the form, and your loan will be approved in minutes.
  • Excellent Customer Service: CashUSA has a great customer service team available 24/7 to answer any questions you might have about the loan process. They are quick to respond and will make sure you understand everything so that you can make a knowledgeable decision on whether or not to accept the loan.
  • Flexible Loan Terms: CashUSA offers flexible loan terms that can be tailored to fit your needs. You can choose the loan amount, repayment schedule, and interest rates based on your current financial situation.
  • The numerous alternatives allow you to make sure you are getting the most out of your loan.

All in all, CashUSA is an excellent choice for those needing a payday loan.

It offers quick approval, easy application, excellent customer service, and flexible loan terms that can be tailored to fit your needs. So if you need quick cash, CashUSA is a good choice.

=> Click here to visit the official website of CashUSA

#6. MoneyWise – Trusted Payday Loan Online

MoneyWise is a California payday loan provider that offers customers fast access to cash for short-term needs. It provides a simple and convenient way for customers to borrow money and manage their finances quickly.

MoneyWise offers some of the most competitive rates in the industry, and its customer service representatives are always available to help customers if they need assistance.

The uniqueness of MoneyWise includes an easy and secure online application, fast funding, competitive rates, and excellent customer service.


MoneyWise offers payday loans from $100 to $500. While customers can choose from a variety of loan types to best suit their needs, all loans are subject to MoneyWise’s lending policies and qualifications.


MoneyWise currently offers an APR of up to 391%. This rate is one of the industry’s lowest APRs, making MoneyWise a competitive choice for customers looking for fast and easy access to cash.

Min. Credit Score

MoneyWise does not require customers to have a minimum credit score to take out a loan with them. All customers must provide a valid form of ID and proof of employment or income.

MoneyWise also considers customers’ annual income, employment history, and other personal details to determine loan eligibility.


MoneyWise offers fast approvals, with most customers receiving a decision within minutes, including an indication if additional documentation is needed. Once approved, customers can receive their loan funds within one business day.


MoneyWise offers a variety of highlights that make it an ideal choice for customers looking for quick, safe, and reliable loan options.

  • Easy And Secure Online Application: MoneyWise provides a simple and secure online application experience. Customers can get started in minutes, and their paperwork is safe and secure.
  • The application is designed with customer experience in mind, and customers can complete the entire process online.
  • Fast Funding: MoneyWise offers fast funding once customers are approved for a loan. Most customers receive their loan funds within one business day and can take advantage of the money sooner rather than later.
  • Competitive Rates: MoneyWise offers competitive rates and an APR of up to 391%. Such allotment makes them one of the most competitive lenders for short-term loan needs.
  • Excellent Customer Service: MoneyWise’s customer service representatives are always available to help customers with any inquiries they may have. Representatives are knowledgeable, friendly, and able to assist customers throughout the entire loan process.

Overall, MoneyWise is an excellent payday loan provider for customers looking for a safe, secure, and affordable way to borrow money. With competitive rates, fast funding, and excellent customer service, MoneyWise is a great choice for any customer looking to take out a loan.

The online application process is simple and secure, making MoneyWise an ideal choice for customers looking to manage their finances without any hassle.

=> Click here to visit the official website of MoneyWise

How Did We Choose Best Direct Lenders Of  Payday Loan Online California?

When browsing for the best payday loan providers in California, knowing a few key factors to consider when deciding what company is best for you is essential.

To assist you, we have compiled the key features and characteristics that should be taken into account when evaluating potential payday loan providers in California.

At the end of the day, it is crucial to be armed with the knowledge to make a decision that is best suited to your individual needs and financial situation.


The first and most important factor to consider when evaluating any payday loan provider in California is whether or not they are appropriately licensed to provide such services.

It is vital to ensure that they are authorized to operate in California and are in good standing with all applicable state regulations.

Any lender that you are interested in should provide proof of licensing to ensure they are legally allowed to offer payday loan services in the state.


Once you have verified that the state authorizes the payday loan provider to operate, their reputation is the next factor to consider. You can easily assess this by researching and reviewing customer comments, feedback, or reviews about their services.

Such accessibility can be an excellent tool for discovering past customers’ first-hand experiences. Make sure you read up on the provider’s information so that you can make an educated decision regarding their services.

Rates and Fees 

When assessing possible payday loan lenders, it is crucial to take note of the rates, fees, and loan terms they offer. For example, what are the rates of online payday loans, $255 payday loans, same day loans, and instant payday loans?

In some cases, loan providers offer different rates for different types of loans, so it is essential to compare the offers to make the best decision that fits your needs and budget. Keep in mind that some lenders might have service or set-up fees that you should consider.

Processing Time 

Finally, it would be best if you considered the time taken from applying to receiving the loan. Generally, a loan can take several days to process, but some lenders might have quicker turnaround times, depending on the particular loan and financial institution.

Find out the processing times for the different payday loans available to make sure you select the lender that suits your needs.

These are some of the key factors to consider when evaluating the best payday loan providers in California.

It is essential to be aware of any lender’s aspects before making an informed decision regarding their services. Remember that it is vital to compare various loan providers and all their offerings to find the most suitable option.

With this knowledge, you can confidently compare and contrast the different loan providers available in California to find the most beneficial option to meet your specific needs.

How Long Does It Take To Receive A Payday Loan In California? 

Payday loans can be a great way to get quick funding when unexpected expenses arise. The ability to receive a loan can make a world of difference in an emergency financial situation, so it’s important to understand what you need to have to qualify for a loan in California.

One of the questions many people have is, “How long does it take to receive a payday loan in California?” It depends on the type of loan you are applying for and whether you are qualified to apply.

Generally speaking, it can take anywhere from several hours to several days to receive your loan.

To qualify for a payday loan in California, borrowers must meet specific requirements.

Typically, a person must be an adult, at least 18 years of age, and they must have a steady income. Other criteria may also apply, so reviewing any loan offer’s fine print before signing and agreeing to repayment terms is important.

For those applying for payday loans, it is essential to remember that the total loan amount will be available after some time. The loan may take several business days to process and release funds, depending on the lender.

It is important to be aware that if you are applying for online payday loans, you need to be familiar with the laws of the state you are applying in. Rules for online lending can vary from state to state, so it is essential to do your research before applying.

Online payday loans require a social security number, proof of income, and other documents. Also, while shopping for a payday loan, consider all the fees and interest associated with the loan.

Can I Get A Payday Loan With Bad Credit In California?

For those with poor credit, there are options available in the state of California. Generally, the qualification criteria and terms of the loan will be different.

This neat alternative means that people with bad credit can still qualify for a loan in California, but fee and rates may be higher.

If you go this route, it is essential to read all terms and conditions carefully before signing a loan documents.

Regardless of your path, instant payday loans can be a great way to access funding quickly in California.

If you choose to pursue a $255 payday same-day loan, or an instant payday loan, it is essential to research lenders to ensure the terms are fair and that the lender is legitimate.

Before signing a loan agreement, make sure you understand the repayment terms, fees, and interest rates associated with the loan documents.

This knowledge can help you make the best decision for your financial situation.

Requirements For A Payday Loan In California

Looking to apply for a payday loan advance in California? Here are the conditions that you need to meet:

  • Eligibility: You must be 18 or older and a legal resident of the United States. You must also have a regular monthly income and an active checking account.
  • Documents Needed: You’ll need to provide proof of monthly income, current address, and identification, as well as a voided check from your checking account.
  • Maximum Loan: In California, the maximum loan amount is $255.
  • Loan Term: Payday loan terms are usually 14 days.
  • Loan Fee: A licensed payday lender in California may charge up to 15% for a one-week loan.
  • Repayment: When it’s time to repay the payday loan, you must provide the lender with a postdated check or written instruction to debit your account.
  • Refinancing: Payday loans in California may not be rolled over, over, or refinanced.
  • Resources: If you’re having trouble with a payday loan, know your rights as a consumer and get assistance from the Department of Business Oversight of the State of California.

Overall, there are precise requirements for obtaining a payday loan advance in California. Make sure you’re eligible for the loan, have the correct paperwork on hand, and follow the regulations set by the lender and the State of California.

FAQs Regarding Payday Loans Online California

What Are Payday Loans? 

Payday loans are short-term loans secured against a borrower’s next paycheck.

How Much Money Can I Borrow With A Payday Loan In California?

Up to $300 can typically be borrowed with a payday loan in California, though the precise amount depends on the lender.

How Long Until I Must Repay The Loan? 

The terms of payday loans in California typically range from a few days to a few weeks.

What Rules And Regulations Govern California Payday Loans?

The California Department of Business Oversight and the California Financial Lenders Law govern the state’s payday loan industry.

Are There Alternatives To Payday Loans In California? 

Yes, options such as small-dollar installment loans and lines of credit may be available.

Conclusion: Can You Get A Payday Loan In California?

All in all, payday loans in California are an excellent option for those needing access to a short-term loan and regularly running short on cash between paydays. Not only are they relatively easy to acquire and require minimal paperwork, but they are also incredibly convenient and come with reasonable repayment terms.

Most importantly, they provide you with the quick, reliable help you need when you are running short on cash.

So, don’t hesitate; if you need some extra help between paydays, go for the above- listed payday loans, and you’ll be able to get back on your feet before you know it.

About the author

Nikhil Goswami

Nikhil Goswami is an experienced editor and proofreader who has held their impression on the industry for 2 years now. Their ability to work above and beyond brings only the best foot forward. Nikhil Goswami has a wealth of experience...
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