Los Angeles Short-term Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in California

Table of content
Jump to
California Los Angeles

Eligibility Criteria for Personal Loans

  • Verified Identification: A government-issued photo ID.
  • Proof of Income: Recent pay stubs or bank statements.
  • Active Bank Account: Personal checking account in good standing.
  • Age Requirement: Minimum age of 18 years.
  • Contact Information: Valid phone number and email address.
  • Residency Status: Legal resident or citizen of the country.
  • Credit Status: May vary; not all providers require a credit check.
  • Completed Application Form: All fields filled accurately.

Trusted Short-term Loan Lenders in Los Angeles, CA

Explore our curated list of trusted payday loan lenders, committed to offering transparent, reliable, and ethical financial solutions to help you manage short-term financial needs with confidence.

Lender
User Ratings
Address
Phone
Category
FTC Commercial Corp
User Raiting:
5.00
Address: 1525 S Broadway, Los Angeles, CA 90015
Phone: +1 (213) 745-8888
Category: Loan agency
Funding Experts
User Raiting:
5.00
Address: 633 W 5th St 26th Floor, Los Angeles, CA 90071
Phone: +1 (424) 387-3863
Category: Loan agency
Preferred Commercial Lending Corporation
User Raiting:
5.00
Address: 6080 Center Dr, Los Angeles, CA 90045
Phone: +1 (213) 205-6302
Category: Loan agency
iMax Credit Repair Firm
User Raiting:
5.00
Address: 8939 S Sepulveda Blvd #102, Los Angeles, CA 90045
Phone: +1 (323) 983-8973
Category: Credit counsel
Small Business Loans Los Angeles CA - Merchant Cash Advance California - SBA Loans & Invoice Factoring Loans
User Raiting:
5.00
Address: 110 E 9th St, Los Angeles, CA 90079
Phone: +1 (213) 277-4038
Category: Loan agency
King City Checks
User Raiting:
5.00
Address: 2804 S Central Ave, Los Angeles, CA 90011
Phone: +1 (323) 233-6253
Category: Check cash
My City Personal Loans
User Raiting:
5.00
Address: 3470 Wilshire Blvd, Los Angeles, CA 90010
Phone: +1 (213) 577-1032
Category: Loan agency
Pacific Commercial Lending
User Raiting:
5.00
Address: 3435 Wilshire Blvd #1960, Los Angeles, CA 90010
Phone: +1 (213) 238-5910
Category: Loan agency
Main Business Loan Agency
User Raiting:
5.00
Address: 1055 Wilshire Blvd # 1501, Los Angeles, CA 90017
Phone: +1 (213) 468-0323
Category: Loan agency
AFS Business Loan Agency
User Raiting:
5.00
Address: 106 Judge John Aiso St UNIT 329, Los Angeles, CA 90012
Phone: +1 (213) 397-2969
Category: Loan agency
L.A. Cash Advance
User Raiting:
5.00
Address: 5401 S Figueroa St #6, Los Angeles, CA 90037
Phone: +1 (323) 778-5800
Category: Loan agency
Commercial Loans Los Angeles CA - California Construction Loans, Fix and Flip Loans & Investment Property Loan
User Raiting:
5.00
Address: 640 San Vicente Blvd, Los Angeles, CA 90048
Phone: +1 (323) 918-5507
Category: Loan agency
Brazon Loans Consolidation Center
User Raiting:
5.00
Address: 10780 Santa Monica Blvd, Los Angeles, CA 90025
Phone: +1 (213) 855-2197
Category: Loan agency
Urgent Loans
User Raiting:
5.00
Address: 9200 Sunset Blvd # 600, Los Angeles, CA 90069
Phone: +1 (213) 214-2320
Category: Loan agency
Diamond Edge Financial Inc. CA DRE# 02077901
User Raiting:
5.00
Address: 4929 Wilshire Blvd #710, Los Angeles, CA 90010
Phone: +1 (213) 784-2473
Category: Loan agency
Sharp Personal Loans
User Raiting:
5.00
Address: 1681 Wilshire Blvd, Los Angeles, CA 90017
Phone: +1 (213) 335-2325
Category: Loan agency
Refinance Professional
User Raiting:
5.00
Address: 2202 S Figueroa St, Los Angeles, CA 90007
Phone: +1 (213) 260-9167
Category: Loan agency
12M Loans
User Raiting:
5.00
Address: 3728 S La Brea Ave, Los Angeles, CA 90016
Phone: +1 (323) 543-0184
Category: Loan agency
ACE Cash Express
User Raiting:
5.00
Address: 3517 1st St, Los Angeles, CA 90063
Phone: +1 (323) 780-4062
Category: Loan agency
Heirs Adjustment Service
User Raiting:
5.00
Address: 5042 Wilshire Blvd #800, Los Angeles, CA 90036
Phone: +1 (800) 582-8284
Category: Financial institution
Ontime Lenders
User Raiting:
5.00
Address: 2315 S La Brea Ave, Los Angeles, CA 90016
Phone: +1 (323) 934-6300
Category: Loan agency
Go - Plaz Check Cashing
User Raiting:
5.00
Address: 2121 San Pedro St, Los Angeles, CA 90011
Phone: +1 (213) 748-7983
Category: Check cash
Building Block Capital Business Loans
User Raiting:
5.00
Address: 1801 S La Cienega Blvd #201D, Los Angeles, CA 90035
Phone: +1 (877) 386-3035
Category: Loan agency
Dash Funding Source Llc
User Raiting:
5.00
Address: 6420 Wilshire Blvd STE 840, Los Angeles, CA 90048
Phone: +1 (844) 666-3274
Category: Loan agency
SLP Financial Services
User Raiting:
5.00
Address: 3200 Wilshire Blvd Suite 620, Los Angeles, CA 90010
Phone: +1 (213) 387-9951
Category: Loan agency
Seattle Prime Capital
User Raiting:
5.00
Address: 3701 Wilshire Blvd #315, Los Angeles, CA 90010
Phone: +1 (855) 712-0758
Category: Loan agency
Yanni Raz
User Raiting:
5.00
Address: 3151 Cahuenga Blvd W ste 300, Los Angeles, CA 90068
Phone: +1 (310) 619-5557
Category: Financial institution
Access America Investment Corporation
User Raiting:
5.00
Address: 3435 Wilshire Blvd # 1025, Los Angeles, CA 90010
Phone: +1 (213) 387-9411
Category: Loan agency
First Choice Finance
User Raiting:
5.00
Address: 680 Wilshire Pl # 305, Los Angeles, CA 90005
Phone: +1 (213) 632-3618
Category: Loan agency
Zeus Legal Funding - Lawsuit Loans
User Raiting:
5.00
Address: 3470 Wilshire Blvd #648, Los Angeles, CA 90010
Phone: +1 (888) 728-9216
Category: Financial institution
Probate Inheritance – Los Angeles
User Raiting:
5.00
Address: 1055 7th St f33, Los Angeles, CA 90017
Phone: +1 (866) 510-6555
Category: Loan agency
State Financial Corporation
User Raiting:
5.00
Address: 11390 W Olympic Blvd Suite 480, Los Angeles, CA 90064
Phone: +1 (310) 820-5222
Category: Loan agency
Cornerstone Commercial Capital Lending
User Raiting:
5.00
Address: 5250 W Century Blvd #617, Los Angeles, CA 90045
Phone: +1 (213) 279-5182
Category: Loan agency
Finance One Inc
User Raiting:
5.00
Address: 801 S Grand Ave, Los Angeles, CA 90017
Phone: +1 (213) 430-4888
Category: Loan agency
InstallmentLoans .Live
User Raiting:
5.00
Address: 12655 W Jefferson Blvd, Los Angeles, CA 90066
Phone: +1 (855) 884-2535
Category: Loan agency
Speedy Personal Loan's
User Raiting:
5.00
Address: 12111 Ohio Ave, Los Angeles, CA 90025
Phone: +1 (323) 997-8368
Category: Financial institution
Continental Currency Services
User Raiting:
5.00
Address: 4050 S Victoria Ave, Los Angeles, CA 90008
Phone: +1 (323) 296-6052
Category: Check cash
ACE Cash Express
User Raiting:
4.90
Address: 1245 S Union Ave, Los Angeles, CA 90015
Phone: +1 (213) 637-5755
Category: Loan agency
ACE Cash Express
User Raiting:
4.90
Address: 1015 W Florence Ave, Los Angeles, CA 90044
Phone: +1 (323) 778-8791
Category: Loan agency
Oportun
User Raiting:
4.90
Address: 2190 W Washington Blvd, Los Angeles, CA 90018
Phone: +1 (310) 803-9222
Category: Loan agency
TwinFold Capital
User Raiting:
4.90
Address: 601 N Larchmont Blvd, Los Angeles, CA 90038
Phone: +1 (877) 473-9080
Category: Loan agency
ACE Cash Express
User Raiting:
4.90
Address: 11252 Normandie Ave Ste 103, Los Angeles, CA 90044
Phone: +1 (323) 755-9274
Category: Loan agency
High Rise Financial LLC - Pre-Settlement Lawsuit Loan Alternative
User Raiting:
4.90
Address: 11110 Ohio Ave #207, Los Angeles, CA 90025
Phone: +1 (866) 399-1079
Category: Financial institution
ACE Cash Express
User Raiting:
4.90
Address: 653 E El Segundo Blvd, Los Angeles, CA 90059
Phone: +1 (323) 756-1443
Category: Check cash
ACE Cash Express
User Raiting:
4.80
Address: 1232 E Florence Ave, Los Angeles, CA 90001
Phone: +1 (323) 584-8211
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 10005 S Central Ave, Los Angeles, CA 90002
Phone: +1 (323) 569-4929
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 3619 S La Brea Ave, Los Angeles, CA 90016
Phone: +1 (323) 290-5991
Category: Loan agency
FCA Legal Funding - Fund Capital America - Lawsuit Loan Alternative
User Raiting:
4.80
Address: 7966 Beverly Blvd #112, Los Angeles, CA 90048
Phone: +1 (310) 853-6792
Category: Financial institution
ACE Cash Express
User Raiting:
4.80
Address: 3359 Whittier Blvd, Los Angeles, CA 90023
Phone: +1 (323) 415-6600
Category: Loan agency
ACE Cash Express
User Raiting:
4.80
Address: 7205 S Figueroa St, Los Angeles, CA 90003
Phone: +1 (323) 789-1210
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 2534 Daly St, Los Angeles, CA 90031
Phone: +1 (323) 276-8809
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 1561 Sunset Blvd, Los Angeles, CA 90026
Phone: +1 (213) 481-0241
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 500 E Washington Blvd, Los Angeles, CA 90015
Phone: +1 (213) 741-0451
Category: Loan agency
Advance America
User Raiting:
4.70
Address: 1008 N Vermont Ave, Los Angeles, CA 90029
Phone: +1 (323) 953-4880
Category: Financial institution
Continental Currency Services
User Raiting:
4.60
Address: 5804 Obama Blvd, Los Angeles, CA 90016
Phone: +1 (310) 837-4421
Category: Check cash
Continental Currency Services
User Raiting:
4.60
Address: 3401 W Slauson Ave, Los Angeles, CA 90043
Phone: +1 (323) 292-3651
Category: Check cash
Diamond Business Loans
User Raiting:
4.50
Address: 5546 W Pico Blvd, Los Angeles, CA 90019
Phone: +1 (424) 320-3800
Category: Loan agency
ACE Cash Express
User Raiting:
4.50
Address: 4948 W Pico Blvd, Los Angeles, CA 90019
Phone: +1 (323) 964-1247
Category: Loan agency
ACE Cash Express
User Raiting:
4.50
Address: 4003 S Western Ave Ste 102, Los Angeles, CA 90062
Phone: +1 (323) 294-9817
Category: Loan agency
Pacific Cash Advance
User Raiting:
4.40
Address: 8501 S Figueroa St, Los Angeles, CA 90003
Phone: +1 (323) 750-3100
Category: Loan agency
Continental Currency Services
User Raiting:
4.30
Address: 1669 E 103rd St, Los Angeles, CA 90002
Phone: +1 (323) 569-8518
Category: Check cash
EMC Financial
User Raiting:
4.30
Address: 6380 Wilshire Blvd, Los Angeles, CA 90048
Phone: +1 (800) 761-3108
Category: Financial institution
Jules & Associates Inc
User Raiting:
4.30
Address: 515 S Figueroa St Suite 1900, Los Angeles, CA 90071
Phone: +1 (213) 362-5600
Category: Loan agency
Tribeca Capital Group, LLC - Lawsuit Loans
User Raiting:
4.30
Address: 3415 S Sepulveda Blvd 11th Floor, Los Angeles, CA 90034
Phone: +1 (310) 929-9030
Category: Financial institution
Continental Currency Services
User Raiting:
4.30
Address: 5824 Vermont Ave, Los Angeles, CA 90044
Phone: +1 (323) 751-5044
Category: Check cash
PB Financial Group Corporation
User Raiting:
4.20
Address: 6380 Wilshire Blvd #1610, Los Angeles, CA 90048
Phone: +1 (323) 935-5555
Category: Loan agency
Check Into Cash
User Raiting:
4.20
Address: 3829 South, Los Angeles, CA 90008
Phone: +1 (323) 294-4532
Category: Financial institution
Continental Currency Services
User Raiting:
4.10
Address: 6565 Hollywood Blvd, Los Angeles, CA 90028
Phone: +1 (323) 464-2718
Category: Financial institution
Check `n Go
User Raiting:
4.10
Address: 2107 W Manchester Ave Suite 107/108, Los Angeles, CA 90047
Phone: +1 (323) 752-3000
Category: Loan agency
Wide Merchant Group
User Raiting:
4.10
Address: 3580 Wilshire Blvd Suite #160, Los Angeles, CA 90010
Phone: +1 (800) 630-4214
Category: Financial institution
Continental Currency Services
User Raiting:
4.10
Address: 8565 S Broadway #1, Los Angeles, CA 90003
Phone: +1 (323) 758-6632
Category: Check cash
DineroMax
User Raiting:
4.00
Address: 3055 Wilshire Blvd STE 300, Los Angeles, CA 90010
Phone: +1 (866) 572-9471
Category: Loan agency
Continental Currency Services
User Raiting:
4.00
Address: 1457 E Florence Ave #115, Los Angeles, CA 90001
Phone: +1 (323) 582-7665
Category: Check cash
NEXCAP Busniness Loan Agency
User Raiting:
3.90
Address: 3435 Wilshire Blvd #470, Los Angeles, CA 90010
Phone: +1 (213) 306-1366
Category: Loan agency
George Smith Partners
User Raiting:
3.70
Address: 10250 Constellation Blvd #2700, Los Angeles, CA 90067
Phone: +1 (310) 867-2995
Category: Loan agency
La Cienega - Los Angeles Check Cashing
User Raiting:
3.70
Address: 8506 W 3rd St, Los Angeles, CA 90048
Phone: +1 (310) 652-8100
Category: Check cash
Curacao Financial
User Raiting:
3.60
Address: 1605 W Olympic Blvd #800, Los Angeles, CA 90015
Phone: +1 (213) 639-2039
Category: Financial institution
Hollywood Check Cashing
User Raiting:
3.50
Address: 7040 Sunset Blvd, Los Angeles, CA 90028
Phone: +1 (323) 464-4000
Category: Check cash
American Express
User Raiting:
3.50
Address: 888 S Figueroa St, Los Angeles, CA 90017
Phone: +1 (213) 688-0825
Category: Loan agency
RPM Lenders
User Raiting:
3.50
Address: 936 S Union Ave, Los Angeles, CA 90015
Phone: +1 (213) 973-1856
Category: Loan agency
American Credit - Credit Repair Centers
User Raiting:
3.50
Address: 12235 Wilshire Blvd, Los Angeles, CA 90025
Phone: +1 (866) 386-9369
Category: Loan agency
New Tower Check Cashing Highland Park
User Raiting:
3.40
Address: 5401 N Figueroa St, Los Angeles, CA 90042
Phone: +1 (323) 254-9516
Category: Check cash
Fast Business Financial
User Raiting:
3.40
Address: 6420 Wilshire Blvd #860, Los Angeles, CA 90048
Phone: +1 (866) 277-2907
Category: Loan agency
Su Casa De Cambio
User Raiting:
3.40
Address: 6571 E Olympic Blvd, Los Angeles, CA 90022
Phone: +1 (323) 278-9922
Category: Check cash
Continental Currency Services
User Raiting:
3.40
Address: 11712 Wilmington Ave, Los Angeles, CA 90059
Phone: +1 (323) 567-7200
Category: Check cash
Continental Currency Services
User Raiting:
3.40
Address: 4209 W Washington Blvd #111, Los Angeles, CA 90018
Phone: +1 (323) 734-9974
Category: Check cash
Continental Currency Services
User Raiting:
3.40
Address: 559 S Broadway, Los Angeles, CA 90013
Phone: +1 (213) 624-1666
Category: Check cash
Continental Currency Services
User Raiting:
3.30
Address: 1890 S Western Ave, Los Angeles, CA 90018
Phone: +1 (323) 734-8632
Category: Check cash
Westlake Financial Services
User Raiting:
3.20
Address: 4751 Wilshire Blvd #100, Los Angeles, CA 90010
Phone: +1 (888) 893-7937
Category: Financial institution
Cashback Loans
User Raiting:
3.20
Address: 107 N Avenue 64 Ste A, Los Angeles, CA 90042
Phone: +1 (323) 259-0993
Category: Loan agency
Seek Business Capital
User Raiting:
3.10
Address: 6420 Wilshire Blvd #500, Los Angeles, CA 90048
Phone: +1 (866) 217-2375
Category: Financial institution
California Check Cashing Stores
User Raiting:
3.00
Address: 3404 W Florence Ave, Los Angeles, CA 90043
Phone: +1 (323) 778-1200
Category: Loan agency
Jewish Free Loan Association
User Raiting:
3.00
Address: 6505 Wilshire Blvd Suite 715, Los Angeles, CA 90048
Phone: +1 (323) 761-8830
Category: Financial institution
San Pedro Check Cashing
User Raiting:
3.00
Address: 201 W Adams Blvd #2601, Los Angeles, CA 90007
Phone: +1 (213) 746-8951
Category: Check cash
Westwood Check Cashing Etc
User Raiting:
3.00
Address: 2180 Westwood Blvd #1, Los Angeles, CA 90025
Phone: +1 (310) 474-3555
Category: Check cash
Continental Currency Services
User Raiting:
3.00
Address: 4201 W Pico Blvd, Los Angeles, CA 90019
Phone: +1 (323) 938-4070
Category: Check cash
Wilshire Consumer Credit
User Raiting:
2.90
Address: 4727 Wilshire Blvd suite 100, Los Angeles, CA 90010
Phone: +1 (888) 333-5645
Category: Loan agency
Continental Currency Services
User Raiting:
2.80
Address: 2417 E Cesar E Chavez Ave, Los Angeles, CA 90033
Phone: +1 (323) 260-4830
Category: Check cash
Beverly Kenmore Check Cashing
User Raiting:
2.80
Address: 4028 Beverly Blvd #3314, Los Angeles, CA 90004
Phone: +1 (213) 380-9815
Category: Check cash
M & M Financing Inc
User Raiting:
2.80
Address: 2500 Wilshire Blvd # 1155, Los Angeles, CA 90057
Phone: +1 (213) 348-6379
Category: Loan agency
View More

What Are the Alternatives for Short-term Loans in Los Angeles?

Discover viable financial options that can replace payday loans, offering more manageable repayment terms and lower interest rates, ensuring a sustainable financial future for individuals in need.

Installment Loans Fast

Installment loans allow you to borrow a set amount and repay over time with scheduled payments. They provide flexibility and can accommodate various financial needs.

Instant Cash Loans

Instant cash loans offer quick access to funds for emergencies. They are typically short-term with a straightforward application process, requiring minimal documentation.

No Credit Check Title Loans

No credit check title loans use your vehicle as collateral, providing funds quickly without scrutinizing your credit history, but often with higher interest rates.

Emergency Loans Quick

Emergency loans provide rapid financial relief in urgent situations, like unexpected medical expenses or car repairs, with flexible terms tailored to immediate needs.

Payday Loans Online

Payday loans online offer quick, short-term borrowing options that are easily accessible through the internet, requiring minimal paperwork and fast approval processes.

P2P Loans Guaranteed

Guaranteed P2P loans involve borrowing from individual investors through online platforms, offering competitive interest rates and a streamlined, direct lending experience.

Online Debt Consolidation Loans

Online debt consolidation loans combine multiple debts into one, simplifying repayment with potentially lower interest rates and helping manage finances more efficiently.

Bad Credit Loans No Credit Check

No credit check bad credit loans provide access to funds for those with poor credit scores, focusing on income and ability to repay rather than credit history.

How to Apply for Online Short-term Loans in Los Angeles

Research Lenders

Start by researching various online payday lenders. Look for reviews, ratings, and feedback from previous borrowers to gauge their reputation. It’s crucial to confirm that the lender operates legally in your area and has a clear, transparent process. Compare interest rates, fees, and repayment terms among multiple lenders. Make sure the lender is registered and licensed, which provides some level of consumer protection. Gathering all this information will help you choose a reputable and suitable lender for your needs.

Check Eligibility Criteria

Before applying, carefully read and understand the eligibility criteria of the lender. Most payday loan providers offer loans to individuals who are over 18, have a stable income, and hold an active bank account. Lenders might also request proof of residency. Ensuring that you meet these requirements increases your chances of approval and speeds up the application process. Pay attention to any specific conditions or documents the lender requires you to submit during the application phase.

Prepare Necessary Documentation

Gather necessary documents before starting your application. You may need a valid ID, proof of income like a recent paycheck stub, proof of residence such as a utility bill, and bank account details to complete the process. Having these documents organized and ready can simplify and expedite the application. Some lenders may allow you to submit these documents electronically, so scan or photograph them to ensure they are clear and legible for online submission.

Complete Online Application

Proceed to fill out the online application form on the lender's website. Ensure all the information you provide is accurate and up-to-date, as discrepancies could delay the process or result in rejection. You’ll need to input personal, employment, and banking details. Some applications might explicitly ask for the loan amount you need. Double-check all the information before submission, paying particular attention to contact details, to ensure it matches your documents.

Review Loan Agreement

Once your application is processed, the lender will provide a loan agreement specifying terms, conditions, and repayment details. Carefully review this document to understand all facets of the loan, including the interest rate, fees, and repayment schedule. Look for any hidden charges or clauses that might affect you later. Don’t hesitate to ask questions if something is unclear. Signing the agreement signifies your acceptance of the terms, so ensure you fully understand and agree to them.

How to Use Short-term Loans - Useful Resources

Explore essential resources on effectively utilizing payday loans. Understand their benefits and limitations to make informed financial decisions that align with your needs and circumstances.

Industry
Address
Phone
Armenian Restaurant
Address: 1060 South Broadway, Los Angeles, CA 90015
-
Car Wash
Address: 1604 West Temple Street, Los Angeles, CA 90026
-
College/University
Address: 2930 Fletcher Drive, Los Angeles, CA 90065
-
Concert Hall
Address: 11755 Exposition Boulevard, Los Angeles, CA 90064
Phone: +1 (310) 477-7411
Hospital for Women and Children
Address: 5525 West Slauson Avenue, Los Angeles, CA 90056
Phone: +1 (310) 642-0325
Local Post Office
Address: 505 South Flower Street, Los Angeles, CA 90071
Phone: +1 (800) 275-8777
Specialist
Address: 280 South Atlantic Boulevard, Los Angeles, CA 90022
Phone: +1 (323) 262-9990
Tourist Information Office
Address: 6672 Hollywood Boulevard, Los Angeles, CA 90028
Phone: +1 (818) 318-4703
Veterinarian
Address: 109 North Boyle Avenue, Los Angeles, CA 90033
Phone: +1 (323) 685-7131

How to Get to Los Angeles

Complaints about Short-Term Loans in California

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
1,141
Problem when making payments
528
Struggling to pay your loan
501
Problem with the payoff process at the end of the loan
416
Getting the loan
372
Charged fees or interest I didn't expect
291
Getting a line of credit
274
Incorrect information on your report
237
Problem with additional add-on products or services
182
Received a loan you didn't apply for
150
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Los Angeles

If you have issues with a payday lender, contact the California Department of Business Oversight (DBO). They regulate and oversee payday lending in the state.

  • 1515 K Street, Suite 200, Sacramento, CA 95814
  • (866) 275-2677
Submit a Complaint

Frequently Asked Questions about Short-term Loans

How Do Payday Loans Work?

Payday loans, also known as cash advances, are short-term loans designed to provide immediate financial relief during an emergency. These loans are typically repaid on the borrower's next payday, hence the name. Lenders offer these fast loans based on your income and proof of employment.

Who Can Apply for a Payday Loan?

Anyone over 18 years old with a steady income and a valid bank account can apply for a payday loan. Unlike traditional bank loans, payday loans are accessible to those with bad credit or no credit history.

What Are the Advantages of Payday Loans?

Payday loans offer instant access to funds, making them suitable for emergencies. They are generally easy to secure, even for those with bad credit, and do not require the lengthy approval process that comes with personal loans.

How Quickly Can I Get a Payday Loan?

One of the major benefits is the speed at which payday loans are processed. In many cases, you can receive your funds on the same day or within 24 hours of approval, making them an ideal solution for urgent financial needs.

Are Payday Loans Available Online?

Yes, many lenders provide online services for payday loans. This allows borrowers to apply, get approved, and receive their funds without needing to visit a physical location.

What Are the Typical Fees Associated with Payday Loans?

Payday loans often come with high-interest rates and fees compared to other forms of credit. It's important to review the terms and conditions carefully before proceeding to ensure you understand the total repayment amount.

Can Payday Loans Help Improve My Credit Score?

Payday loans are not typically reported to credit bureaus, so they do not directly impact your credit score. They are primarily intended for short-term financial emergencies and not for long-term credit building.

Are Payday Loans Legal in All States?

The legality of payday loans varies across states. Some places have strict regulations or have banned them entirely, while others have set rules governing their terms and costs. Always ensure that a lender is operating legally in your area.

What Happens if I Cannot Repay My Payday Loan on Time?

If you're unable to repay your payday loan by the due date, it's crucial to contact your lender immediately. Most lenders will offer extensions or repayment plans, but be aware that this might result in additional fees or interest charges.

What Alternatives Are There to Payday Loans?

Several alternatives exist, such as personal loans, credit union loans, or borrowing from family and friends. These options might offer lower interest rates and more favorable repayment terms than payday loans.

How Can I Ensure a Payday Loan Is Right for Me?

Before applying for a payday loan, evaluate your financial situation and consider all available options. Payday loans are best suited for short-term needs. If you find yourself relying on them frequently, it may be worth seeking financial counseling to explore long-term solutions.

California Short-term Loans Near Me

Acton Adelanto AFB Agoura Hills Agua Dulce Aguanga Alameda Alamitos Alamo Albany Alhambra Aliso Viejo Alpine Alta Loma Altadena Alto Altos Alturas Alviso American Canyon Ana Anaheim Anaheim Hills Anderson Angeles Angels Camp Angwin Anselmo Antelope Antioch Apple Valley Aptos Arbuckle Arcadia Arcata Arleta Arnold Arrowhead Arroyo Grande Artesia Arvin Atascadero Atwater Auberry Auburn Avalon Avenal Avila Beach Azusa Bakersfield Baldwin Park Baldy Banning Banos Bar Barbara Barstow Bassett Bay Bay Point Beach Beale Afb Beaumont Bell Bell Gardens Bellflower Belmont Belvedere Belvedere Tiburon Ben Lomond Benicia Berkeley Bethel Island Beverly Hills Big Bear Big Bear Lake Biggs Bishop Blue Jay Bluff Blythe Bolinas Bonita Bonsall Boron Borrego Springs Boulder Creek Bradbury Brawley Brea Brentwood Bridgeport Browns Valley Brownsville Bruno Buellton Buena Park Burbank Burlingame Burney Buttonwillow Ca Cabazon Calabasas Calabasas Hills Calexico California City Calimesa Calipatria Calistoga Camarillo Cambria Cameron Park Camino Camp Pendleton North Campbell Canoga Park Canyon Country Canyon Lake Capistrano Capistrano Beach Capitola Cardiff Carlsbad Carmel by the sea Carmel Valley Carmichael Carpinteria Carson Caruthers Castaic Castro Valley Cathedral City Cayucos Cedro Centro Century City Ceres Cerrito Cerritos Chatsworth Chester Chico Chino Chino Hills Chowchilla Chula Vista Citrus Heights City City Of Industry Clara Claremont Clarita Clayton Clearlake Clearlake Oaks Clemente Cloverdale Clovis Coachella Coalinga Coarsegold Colfax Colton Colusa Commerce Compton Concord Cool Copperopolis Corcoran Cordova Corning Corona Corona Del Mar Coronado Corral De Tierra Corte Madera Costa Mesa Cotati Cove Covelo Covina Creek Crescent City Crescenta Montrose Crestline Crockett Cruz Cucamonga Cudahy Culver City Cupertino Cypress Daly City Dana Point Danville Davis Del Mar Del Rey Del Rey Oaks Delano Descanso Desert Desert Hot Springs Diamond Bar Diamond Springs Diego Dimas Dinuba Discovery Bay Dixon Dobbins Dos Palos Downey Downieville Duarte Dublin Dunsmuir Eagle Rock Eastvale El Cajon El Centro El Cerrito El Dorado Hills El Monte El Portal El Segundo El Sobrante Elk Grove Elsinore Elverta Emerald Hills Emeryville Encinitas Encino Escalon Escondido Esparto Estates Etiwanda Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fe Felton Fernando Ferndale Fillmore Firebaugh Flintridge Folsom Fontana Foothill Ranch Forest Forest Ranch Foresthill Forestville Fort Bragg Fort Irwin Fort Jones Fortuna Foster City Fountain Valley Fowler Francisco Frazier Park Freedom Fremont French Camp Fresno Fullerton Gabriel Galt Garberville Garden Grove Gardena Gate Gatos Georgetown Gilroy Glen Glen Ellen Glendale Glendora Glenhaven Gold River Goleta Graeagle Granada Hills Grand Terrace Grande Granite Bay Grass Valley Graton Green Valley Lake Greenbrae Greenview Greenville Gridley Grove Groveland Grover Beach Gualala Guerneville Gustine Habra Hacienda Heights Half Moon Bay Hanford Happy Camp Harbor City Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Heber Heights Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Hidden Valley Hidden Valley Lake Highland Hill Hills Hilmar Hollister Hollywood Holtville Hoopa Hopland Hughson Huntington Beach Huntington Park Huron Idyllwild pine Cove Imperial Imperial Beach Indian Wells Indio Inglewood Ione Irvine Irwindale Isleton Jackson Jamul Jersey City Jolla Jose Julian June Lake Jurupa Valley Kelseyville Kensington Kentfield Kerman Kernville King City Kings Beach Kingsburg Knights Landing La Canada Flintridge La Habra La Habra Heights La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Verne Ladera Ranch Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Lake Arrowhead Lake Elsinore Lake Forest Lake Isabella Lakeport Lakeside Lakewood Lamont Lancaster Larkspur Lathrop Lawndale Laytonville Lebec Lemon Cove Lemon Grove Lemoore Lennox Liberty Farms Lincoln Lincoln Heights Linda Linden Lindsay Live Oak Livermore Lockeford Lodi Loma Linda Lomita Lompoc Lone Pine Long Beach Loomis Los Alamitos Los Altos Los Angeles Los Banos Los Gatos Los Molinos Los Olivos Los Osos Lower Lake Loyalton Lucerne Valley Lynwood Madera Magalia Malibu Mammoth Lakes Manhattan Beach Manteca Mar Margarita Maria Marina Marina Del Rey Mariposa Markleeville Martinez Marysville Mateo Maywood Mcclellan Park Mckinleyville Meadow Vista Mendocino Mendota Menifee Menlo Park Mentone Merced Mesa Middletown Midway City Miguel Mill Valley Millbrae Milpitas Mira Loma Mirada Mission Hills Mission Viejo Modesto Mojave Monarch Beach Monica Monrovia Montclair Montebello Montecito Monterey Monterey Park Montrose Moorpark Moraga Moreno Valley Morgan Hill Morongo Valley Morro Bay Mountain Ranch Mountain View Mt Hamilton Murphys Murrieta Napa Nas Point Mugu National City Needles Nevada City Newark Newberry Springs Newbury Park Newhall Newman Newport Beach Newport Coast Niguel Nipomo Norco North North Highlands North Hills North Hollywood Northridge Norwalk Novato Oak Park Oak View Oakdale Oakhurst Oakland Oakley Oaks Obispo Oceanside Ojai Old Agoura Ontario Orange Orange Cove Orangevale Orcutt Orinda Orland Orosi Oroville Osos Oxnard Pablo Pacific Grove Pacific Palisades Pacifica Pacoima Palm Desert Palm Springs Palmdale Palms Palo Alto Palo Cedro Palos Verdes Estates Palos Verdes Peninsula Panorama City Paradise Paramount Park Parlier Pasadena Paso Robles Patterson Paula Pauma Valley Pearblossom Pebble Beach Pedro Penn Valley Penngrove Perris Pescadero Petaluma Phelan Phillipsville Pico Rivera Piedmont Pilot Hill Pine Grove Pinedale Pinole Pinon Hills Pioneertown Pismo Beach Pittsburg Placentia Placerville Playa Del Rey Playa Vista Pleasant Hill Pleasanton Plymouth Point Point Arena Point Reyes Station Pollock Pines Pomona Port Hueneme Porter Ranch Porterville Portola Portola Hills Portola Valley Poway Prather Prunedale Quincy Quinta Rafael Ramon Ramona Ranch Rancho Cordova Rancho Cucamonga Rancho Dominguez Rancho Mirage Rancho Murieta Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Red Bluff Redding Redlands Redondo Beach Redwood City Redwood Valley Reedley Rescue Reseda Rey Rialto Richgrove Richmond Ridge Ridgecrest Rio Dell Rio Linda Rio Vista Ripon Riverbank Riverside Rocklin Rohnert Park Rolling Hills Estates Rosa Rosamond Rosemead Roseville Rough And Ready Rowland Heights Running Springs Sacramento Salida Salinas Salton City San Andreas San Anselmo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Jacinto San Joaquin San Jose San Juan Capistrano San Leandro San Lorenzo San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Pedro San Rafael San Ramon San Ysidro Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santa Ysabel Santee Saratoga Saugus Sausalito Scotts Valley Seal Beach Seaside Sebastopol Segundo Selma Shadow Hills Shafter Shasta Shasta Lake Shaver Lake Shell Beach Sherman Oaks Shingle Springs Shingletown Sierra City Sierra Madre Signal Hill Simi Valley Sloughhouse Smith River Solana Beach Soledad Solvang Somerset Somis Sonoma Sonora Soquel South Dos Palos South El Monte South Gate South Lake Tahoe South Pasadena South San Francisco Spring Valley Springs Squaw Valley St Helena Stanford Stanton Station Stevenson Ranch Stockton Studio City Sugarloaf Suisun City Sun City Sun Valley Sunland Tujunga Sunnyvale Susanville Sutter Creek Sylmar Taft Tahoe Tahoe City Tahoe Vista Tarzana Tecate Tehachapi Temecula Temple City Templeton Thousand Oaks Thousand Palms Three Rivers Tiburon Toluca Lake Topanga Torrance Trabuco Canyon Tracy Travis Afb Trona Truckee Tujunga Tulare Tulelake Tuolumne Turlock Tustin Twain Harte Twentynine Palms Ukiah Union City Universal City Upland Upper Lake Vacaville Valencia Vallejo Valley Valley Center Valley Glen Valley Springs Valley Village Van Nuys Vandenberg Afb Venice Ventura Verdes Verdugo City Vernalis Vernon Victorville Viejo Villa Park Village Visalia Vista Walnut Walnut Creek Walnut Grove Wasco Waterford Watsonville Weaverville Weed Wells West Covina West Hills West Hollywood West Sacramento Westlake Village Westminster Westwood Village Wheatland Whiskeytown Whittier Wildomar Williams Willits Willow Creek Willows Wilmington Wilton Winchester Windsor Winnetka Winterhaven Winters Woodlake Woodland Woodland Hills Woods Wrightwood Yorba Linda Yountville Yreka Yuba City Yucaipa Yucca Valley