The Top 5 Best Payday Loans In California including Los Angeles

9:30 AM, Nov 02, 2022
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Overview of the Best Payday Loans in California 

  1. Dollar Hand - Best Overall Provider of Quick Cash Loans in California.
  2. Capital Bean - Most Trusted Payday Lender of Bad Credit Loans Guaranteed Approval in California .
  3. Pheabs - Most Popular Lender For No Credit Check Loans in California.
  4. Dime Alley - Best Provider of Same Day Loans in California.
  5. Finger Finance - Get Instant Payday Loans Online in California.

1# Dollar Hand - Best Overall Provider of Quick Cash Loans in California.

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Dollar Hand is a company that undoubtedly offers the best loans for quick cash advances online for those living in California and across the US. If you are in need of fast cash, then you can use their simple and easy online application form. You will then receive an instant loan offer from the lender most suited to your borrowing needs and who can offer the most competitive rate. The deal will be sourced from a panel of over 50 reputable lenders across the US.

Once your loan application is approved, you can receive your pay day loan on the same day or by the next business day latest! Better yet, there are options for loans with no credit check or for those with bad credit as Dollar Hand works with lenders who are willing to consider applicants from a variety of financial backgrounds.

We cannot recommend this online platform enough for those who need instant cash to sort out any urgent expenses. Dollar Hand’s service is free of charge too and their soft searches have no impact on applicants credit scores.

2# Capital Bean - Most Trusted Payday Lender of Bad Credit Loans with Guaranteed Approval in California.

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Capital Bean is a trustworthy company that both Californians and Americans alike can rely on to provide quick loans and guaranteed loans for those with bad credit scores.

The secure platform is extremely transparent in noting that it is not a direct lender of payday loans, but a broker who connects its customers with a reliable lender from their vast network, sourcing a loan at the most affordable cost.

The seamless application process involves 3 easy steps: 1) Complete the quick and simple application form in less than 5 minutes 2) Review the loan offer 3) Receive a same day loan or by the next working day.

With the best bad credit loans with guaranteed approval and no credit check options too, you are sure to have your financial needs met with Capital Bean. The company boasts thousands of happy users and with no hidden fees, what more could you want!

3# Pheabs - Most Popular Lender For No Credit Check Loans in California.

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It is no surprise that Pheabs is an extremely popular lender for no credit check loans in California, and across the rest of the US. With emergency same day loans of up to $35,000 and an easy application process, you are sure to have a good user experience with this company.

Offering the best financial service for loans with no credit check, the easy online application form and swift process means that in as little as 5 minutes, you can have a loan offer agreed to. Money will then be sent to your account within 1 hour, 24 hours or by the next business day.

If you need money, Pheabs simply asks for a few eligibility requirements. This includes being a US resident, aged over 18 years old, owning a checking account and having a stable income. You can then use their service free of charge to be matched to a lender best suited to your borrowing criteria. Their offerings of no credit check loans guaranteed approval means that customers with a variety of financial backgrounds can apply for a loan, including those with bad credit scores.

4# Dime Alley - Best Provider of Same Day Loans in California.

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Customers of Dime Alley can get a fast same day loan from anywhere in California, or across the USA. Offering a user-friendly online experience, the platform not only helps borrowers secure instant cash, but also provides informative guides with useful financial tips and tricks.

With options to borrow $300, $500, $1000 or more, quick money can be in your hands before you know it! After applying for a pay day loan, customers receive an immediate loan offer to which they can choose to accept or reject. If they go ahead, they will receive the full loan amount within minutes, hours or by the next business day so you can pay off any pressing bills - what more could you want!

Any information submitted to Dime Alley is kept safe and secure, and will not be passed onto any other third parties without your consent. The company prides themselves in having top-notch customer service and no fees or charges. Dime Alley is also extremely inclusive, offering loans to even those with bad credit.

5# Finger Finance - Get Instant Payday Loans Online in California.

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Finger Finance understands that time is essential in financial emergencies and so offers fast transactions with instant payday loan guaranteed packages. The hassle-free online platform connects customers with lenders straight away, with the best loan offer for them. If their application is successful, then fast cash will be delivered into the customer’s bank account in the flick of a finger!

Financial emergencies can be extremely stressful and so this reputable company offers a stress-free streamlined process whereby you can borrow $100 to $35,000. Repayment plans range from 2 weeks to 5 year installments and the loans are also accessible to those with bad credit. Furthermore, paying back your loan on time could even help to boost your credit score.

Whether you are based in Sacramento, Victorville, Escondido or anywhere else in California or the US, Finger Finances’ service is free of charge, and enquiring will not negatively impact your credit rating. So if you are looking to resolve financial troubles, then it is definitely worth considering this trustworthy platform.

How Did We Choose the Best Payday Loan Providers in California?

We looked at the following criteria to select the top providers of payday loans in California:

User-friendly online application process - Our top payday loan providers in California offer a streamline process with an easy and simple to use submission form that can be completed in less than a couple of minutes.

Loan Amounts - A wide range of loan amounts including being able to borrow $100, $255 payday loans, or a $300 loan, $500 or even $35,000.

Affordability - Since the reputable companies work with a vast network of lenders across the US, they are able to source the most affordable rates for their customers.

Instant Loans - All of the companies mentioned are able to offer same day loans or fast cash by the next working day latest.

Flexible repayment terms - Repayment periods range from 2 weeks to 5 years for these reputable companies, giving borrowers the time they need to restore their financial stability.

No credit check options - The companies are able to cater for those with low credit ratings by offering other options such as title loans or home loans.

Bad credit considered - The companies all accommodate those with poor credit scores as they work with lenders who are willing to consider applicants with a variety of credit histories.

No fees - Our top 5 best payday loan providers do not charge their customers any fees for their services.

Soft searches - All of the 5 companies do soft searches which means enquiring has no impact on their customers credit scores.

Trusted platform - We did thorough research into the 5 best payday loan companies and found that all customers’ information was protected.

Reliable - We ensured that the lenders are legitimate, safe to use and take important measures to keep your data safe.

Guaranteed Approval - Whilst a loan is never guaranteed, you will always receive an offer from these companies which could range from a secured loan, title loan, credit card or offer from a credit union.

What are The Payday Loan Regulations in California?

Some of the key rules and regulations for payday loans in California are mentioned below:

Are Payday Loans Legal?Yes
Maximum Loan Amount$300
Minimum Loan TermNot specified
Maximum Loan Term31 days
Price Cap460%
No. of Rollovers Allowed0
No. of Outstanding Loans Allowed1
Cooling-off PeriodNone
Finance Charges$17.64 per $100 or 15% of the amount advanced (up to $45)
Statute of Limitations4 years from the last payment
Database Loan TrackingNo

How Many Payday Loans Can You Have Open At Once in California?

As mentioned in the table above, you can only have 1 payday loan open at one time in California. The payday loan amount can be up to $300 and be borrowed for a maximum of 31 days.

What Are The Price Caps for Payday Loans in California?

The Price Cap is 460% for payday loans in California. However, the average was 369% APR in 2019.

What in California Can I Get A Payday Loan Near Me?

Our top 5 best payday loan providers offer loans across the whole of California through their easily accessible and convenient online platforms. They do not let location prevent their customers from getting the financial support they need. Areas where you can get a payday loan in California near you include:

AlamedaAlhambraAlta Loma
AltadenaAnaheimArcadia
ArtersiaAuburnBakersfield
CabazonCalexicoCamarillo
CampbellCanoga ParkCanyon Country
Canyon LakeDaly CityDelano
Desert Hot SpringsDinubaDowney
DuarteDublinEast Rancho Dominguez
El CajonEl CentroEl Cerrito
El GranadaEl MonteEl Segundo

El SobranteElk GroveFresno
GilroyGlendaleGlendora
LancasterLong BeachLos Angeles
ModestoMountain ViewMurrieta
NapaNational CityNewark
Newport BeachOaklandOceanside
OntarioOrangeOrangevale
OrlandOrovilleOxnard
Palm SpringsPalmdalePalo Alto
PamonaPanorama CityParadise

ParamountPasadenaPaso Robles
PattersonPerrisPetaluma
Pico RiveraPinolePismo Beach
PittsburgPlacentiaPlacerville
Pleasant HillPomonaPort Hueneme
PortervillePowayRamona
Rancho CordovaRancho CucamongaRancho Mirage
Red BluffReddingRedlands
Redondo BeachRedwood CityReedley
ResedaRialtoSacramento
San BrunoSan DiegoSan Francisco
San JoseSanta BarbaraSanta Monica
Santa RosaStocktonTemecula
Temple CityThousand OaksTorrance
TracyTulareTurlock
TustinTwentynine PalmsUkiah
Union CityUplandVacaville
ValenciaVallejoValley Village
Van NuysVeniceVentura
VictorvilleVistaW Hollywood
WalnutWalnut CreekWasco
WatsonvilleWest CovinaWest Sacramento
WestminsterWestwoodWhittier
WillitsWillowsWilmington
WindsorWinnetkaWoodland
Woodland HillsYorba LindaYreka
Yuba CityYucaipaYucca Valley

     

    FAQs For California Payday Loans

    How Do You Qualify for Instant Payday Loans in California?

    To qualify for guaranteed instant payday loans, there are usually certain borrowing criteria. Requirements include that the applicant is 18 years of age or older, a US resident, earns at least $800 per month and has a live checking account for the payday loan to be deposited into.

    What Should I Consider Before Applying For A Payday Loan in California?

    Before you borrow an online payday loan, there are some important factors to consider. For instance, it is imperative to make sure you will be able to comfortably afford the repayments as if you fail to pay back the loan on time you could face extra charges and a negative impact to your credit score. It is also worth considering whether you really need the payday loan or if it is for unnecessary spending such as shopping or partying. Perhaps you could borrow from family or friends instead, or sell some old items to make some extra cash.

    Check if the online payday loan website is safe to use. Look out for its encryption technology signs to make sure your personal information is secure to avoid any fraud.

    The advantage of our top 5 rated payday loan providers is that they do not have any hidden fees. However, there are other platforms that do add extra charges so it is worth reading the contract carefully to make sure there are no unnecessary fees.

    What Information Will I Need To Include To Apply For A Payday Loan in California?

    Key information such as your full name, contact details, postal address, social security number and bank details will be required to apply for a California payday loan. Additional details such as your employment status, credit rating and source of income may be requested so that the lender can undertake affordability checks.

    Can I get a California Payday Loan Even If I Have Bad Credit?

    A bad credit score does not mean that your application for a payday loan will be denied. There are lenders who look at other factors such as your income and current financial situation, rather than just your credit rating. The 5 payday loan companies mentioned above all work with lenders who consider applicants with poor credit scores so you may be able to borrow money today.

    How Can I Get a Payday Loan in California ASAP?

    Applying for fast cash via the top 5 best payday loans in California means that you can get money in a hurry. The online process eliminates lengthy paperwork and long decision times as after filling in the quick to complete online application form, you will be instantly linked to a lender with a loan offer. If approved, you can get a same day loan or you will receive your payday loan by the next business day at the latest.

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