California Payday Loans

Payday Hound's Top California Lenders

Check Into Cash

5 Rating
The Payday Hound Rating
  • Direct lender online or at stores.
  • Founding member of CFSA. Live chat.
  • TN based. State Licensed. Since 1993.

Cash Central

5 Rating
The Payday Hound Rating
  • Discounts for repeat customers. Live chat.
  • B BBB rating. Bad credit okay but does check credit.
  • State Licensed. Based in UT. Since 2005.

2018 California Lender Rankings

We have reviewed 23 California payday loan lenders.

Our review of payday loans considers three areas: reputation, cost, and features. Reputation considers state licensing and Better Business Bureau scores. Cost is based on terms, fees, and rates. Features include things like credit reporting or fee transparency.

A listing in this table is not an endorsement. This table includes all lenders we have reviewed who offer loans to California residents.

CA Lender Description Costs* Sniff Rating
Check Into Cash
Direct lender online or at stores.
Founding member of CFSA. Live chat.
Governing Law: State Lic.
Loan Amt: $255
APR: 460%
Cost: $45.00
Great
Cash Central
Discounts for repeat customers. Live chat.
B BBB rating. Bad credit okay but does check credit.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
CashNetUSA
Get 50% initial loan fees. Code: NEWCASH50
Large online lender. Live chat
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Ace Cash Express
Large established lender. A+ BBB Score.
Multiple loan options. Physical store fronts.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Check City
A+ BBB Score and accredited. $30 referral credit.
One of the few payday lenders who are BBB accredited.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Loan By Phone
Online site powered by Check Into Cash
Member of CFSA, Live chat.
Governing Law: State Lic.
Loan Amt: $255
APR: 460%
Cost: $45.00
Great
Check 'n Go
Solid state licensed lender.
F BBB score for no response to compliants.
Governing Law: State Lic.
Loan Amt: $300
APR: 651%
Cost: $75
Great
Speedy Cash
State licensed lender. Pricing shown is based on SD.
Pricing appear competitive. They have store fronts
Governing Law: State Lic.
Loan Amt: $300
APR: 652%
Cost: $75
Great
Payday Loan Today
Neveda licensed national lender.
Informative website. Flexible payment terms.
Governing Law: Nevada
Loan Amt: $300
APR: 510%
Cost: $58.74
Fair
MyCashNow
Stopped Accepting New Applications
F BBB Rating, Based in Canada.
Governing Law: Canada
Loan Amt: $300
APR: 485%
Cost: $56
Fair
AAA Payday Cash
Makes loans based on UT laws.
Use to have A rating by BBB but now unlisted
Governing Law: UT
Loan Amt: $300
APR: 651%
Cost: $75
Fair
Cash Advance Now
Tribal lender. Upfront disclosures and pricing.
Appear to have purchased name and domain in Sept 2012.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
PayDay Max
Stopped Accepting New Applications
No responses to BBB complaints.
Governing Law: Anguilla
Loan Amt: $300
APR: 485%
Cost: $56
Fair
MyPayDayLoan
Revamped website. Up to $600 1st time.
Been in business over 10 years.
Governing Law: Costa Rica
Loan Amt: $300
APR: 782%
Cost: $75
Bad
AmeriCash Advance
No longer taking applications.
Taken over by Platinum Finance Co.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Payadvance
No longer accepting new applications
Costa Rica based lender.
Governing Law: Costa Rica
Loan Amt: $300
APR: 460%
Cost: $53
Bad
Tremont Lending
Appears to be basic tribal based lender.
Site updated with pricing. States not listed.
Governing Law: Tribe
Loan Amt: $300
APR: 782%
Cost: $90
Fair
Jupiter Funding Group
Very limited information on website.
No BBB Rating. No privacy policy.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $90
Bad
NationalPayday
One of the simplest applications.
No BBB Rating, Based in Costa Rica.
Governing Law: Costa Rica
Loan Amt: $300
APR: 651%
Cost: $75
Bad
USAdvance
Not a state licensed lender.
Bsed in Federation of Saint Kitts and Nevis
Governing Law: St Kitts and Nevis
Loan Amt: $300
APR: 782%
Cost: $90
Bad
East Side Lenders
Offer loans in all states.
C- BBB rating. Dispute settled through arbitration.
Governing Law: DE
Loan Amt: $300
APR: 782%
Cost: $490
Fair
Sonic Cash
Eligible states not listed.
Very little information available
Governing Law: unlisted
Loan Amt: $300
APR: 912%
Cost: $105
Fair
BorrowSource.com
Very limited information on website.
Appears to be unlicensed lender. Maybe offshore based.
Governing Law: unlisted
Loan Amt: ?
APR: ?
Cost: ?
Bad

* When avaiable we have shown pricing for California residents. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.

California Payday Loans Details

California residents can choose from California licensed, out-of-state licensed, tribal-based and foreign-based lenders for their payday loans.

The Payday Hound strongly prefers licensed payday lenders as the California Department of Corporations evaluates, regulates, and monitors the payday loans made by these lenders. See California Payday Loan Laws for more details on California laws and regulations or Payday Loans for more general information.

Unlicensed payday lenders include tribe-based lenders, lenders licensed in other states, and foreign-based lenders. Tribal and out-of-state licensed payday lenders operate under the interpretation that they can export their tribe or state laws into California and are required to adhere to federal lending laws but not California regulations. Federal laws may be less restrictive and less frequently enforced. The final group of lenders is foreign-based payday loan lenders. They export their countries' laws into California and are highly unregulated. See How to Choose A Payday Loan for more details.

The above is our understanding of how payday lending works in California, but we are not a law firm. Please contact the California Department of Corporations for more information.

The Payday Hound reviews payday lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. The list below includes both regulated banks as well as off-shore entites. Being included on our list is not an endorsement or certification. The list is a ranking and is designed to help borrowers rate and judge the quality of lenders. This means it may include lenders we believe to be honest as well as those we would deem to be predatory.