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online payday loans in california

Online Payday Loans California | No Credit Check - Instant Deposit

Need cash fast? 15M Finance can connect you with lenders that offer payday loans online in California. Get funded the same day with our quick and easy online application process.

California Payday Loans Near Me

If you need online payday loans in California, check out 15M Finance. We have store locations around the state where you can talk to a manager about getting same-day payday loans. You submit your request to our network of lenders and will know if you’re approved within a few minutes. If you find yourself in a financial pinch, visit 15M Finance stores.

48 S De Lacey Ave ste 100, Pasadena, CA 91105

(626) 469-7069 Learn More

4321 N West Ave #108, Fresno, CA 93705

(559) 540-8832 Learn More

8120 Berry Ave ste E, Sacramento, CA 95828

(916) 890-0651 Learn More

We Are a Local Business that Provides Payday Loans in California

15M Finance works with reputable lenders to provide online payday loans to California residents, even those with a bad credit history. We’ve been helping people get temporary financing to stay afloat since 2020. We follow all the payday lending laws, including the Civil Code 1789.30 et seq. and the Financial Code 23000 et seq.

According to the reviews from directories, our customers have had good experiences with us. If you’re struggling through a financial rough patch, 15M Finance is worth checking out. Just ensure you understand the repayment terms to avoid any issues later on.

Our Products and Services

Payday Loans

Payday loans can be paid off in 14 days to one month, but you can borrow only up to $300, including fees. Meet the essential eligibility criteria, apply online, receive your money, and repay the loan with your next paycheck.

Installment Loans

This financial product lets anyone who needs over a grand borrow up to $5,000. You can pay it back over 2 to 24 months. Its advantage is that you pay it back with fixed monthly installments. Also, the interest rates don’t exceed 35.99%.

How Does It Work to Get an Online Payday Loan in California?

Getting an online payday loan in California is easy and takes up to three minutes. There is no faxing process or third parties implied in the borrowing process.

3 Steps to Get a Payday Loan in California

Step 1

Complete the payday loan application form by providing personal and financial details.

Step 2

Receive the payday loan approval decision. It usually takes up to 5 minutes to get it from our lenders.

Step 3

Sign the loan agreement and get your California payday loan in your bank account on the next business (or the same day if you apply early in the morning).

Payday Loans in California: Rates & Terms

Payday loans in California are legal but strictly regulated. Borrowers can take out online loans from $100 to $300, with 15% of the amount (uo to $45) going to the direct lender as fees. The online payday loans have a 14-day to one-month repayment period with an annual percentage rate capped at 459%.

Borrowers are limited to one payday loan per month in California. Loans must be repaid in full before obtaining another loan. Rollovers are prohibited. It helps prevent borrowers from getting stuck in cycles of debt. There are also fees like a $15 charge for non-sufficient funds if a payment bounces.

Overall, the laws aim to make payday loans online accessible while putting some restrictions on amounts, fees, and repayment to protect consumers. However, the interest rates are still relatively high compared to other lending options.

Security & Privacy of California Cash Advances & Loans from 15M Finance

You can use our website to apply for California payday loans online. If you do decide to go through us, be assured that we take privacy seriously. At 15M Finance, we’ll only pass your details along to trusted payday lenders with whom we have partnerships set up. All that info is encrypted to keep it safe and secure from start to finish.

We provide accurate information, but the conditions may differ depending on the lender. Everything will be specified in your loan agreement, but using our resources does not oblige you to accept the offers of the lender. We are not responsible for approving applications and the making money transfers. We’re trying to connect people looking for $255 payday loans online in California with direct lenders who offer them.

Benefits of Choosing 15M Finance

For almost four years now, 15M Finance has been one of the most trusted places consumers can turn to for quickly-needed cash advances. Here are the reasons you should choose us:

Quick application steps. The application forms we have on our website are simple and easy to fill out. You can get them done in just a few minutes. Instant approval decision. We also get you answers quickly here at 15M. Our licensed lenders know how important it is to give customers a fast response when they apply for online loans. 24/7 Availability. The application is available 24 hours a day, seven days a week. You can apply online for a cash advance. If approved, the money will be deposited into your bank account as early as the next day. Transparency. You can be sure everything we do regarding loans, agreements with lenders, and money transfers is transparent. The payday loan documents from our partners are straightforward.

Frequently Asked Questions

How Can I Apply for a Payday Loan in California?

First, you need to gather the required documentation about your current financial situation. Then, fill in the loan application form. You can access it by pressing the “Apply Now” button. After you double-check the details, submit the loan request.

What is the Borrowing Limit in California?

The borrowing limit in California is $300, including fees. Thus, you can get up to $255.

When Will I Receive My California Payday Loan?

You’ll receive it on the next business day, or even sooner, on the same day, if you apply earlier in the morning.

Can I Cancel My Payday Loan in California If I Change My Mind?

The canceling of your loan depends on the lender’s terms.

Are There Any Alternatives Instead of California Payday Loans?

Yes. You could try installment loans, title loans, larger personal loans, credit card cash advances, loan apps, pawn shops, or borrowing from friends or family members.

Shania Brenson

by Shania Brenson

Last updated on March 20, 2024