Hablamos Espanol | 888-942-3320Easier Online California Payday Loans up to $255
If you’re facing unexpected expenses and need quick cash, California payday loans from Net Pay Advance offer fast decisions and speedy funding.
We’ve got your back
Get a decision in under 3 minutes
Apply Now- 18+ Years Old
- CA Resident
- Active Bank Account
- No Hard Credit Check
- Clear Terms and Repayment
- 24/7 Online Access
Rates, Terms and Licensing for California Payday Loans
Approval and available funding amounts vary by customer and are determined based on multiple factors evaluated during the underwriting process.
How to Get a Fast Payday Loan in California
You could be three short steps from the funding you need:
1
Apply Online in Minutes
It takes less than three minutes to complete our secure online application, making it quick and easy to get started.
2
Get a Fast Decision
We will review your information and share our lending decision. Offering those approved up to $255 all in minutes.
3
Funds as Soon as Today
Same-day funding may be available for eligible customers. Most customers receive funding by the next business day.
Why choose Net Pay Advance?
Since 2007, we’ve provided 800,000+ Californians with money to help them keep moving forward, often when they needed help the most.
Trusted, California-Licensed Lender
We’re licensed by the state’s DFPI so you can trust our products. We offer transparent terms, clear fee structures, and promise no surprises along the way.
You Don’t Have to Have “Good” Credit
We don’t do hard credit checks on applicants so if you have current income and a few other things, we’re able to look at where you are instead of where you’ve been.
24/7 Access to Funds You Need
Apply and manage your account day or night. We know that life doesn’t follow business hours, neither do we.
Hear the Benefits of Our Payday Loans from California Customers
Trusted in Towns and Cities Across the Golden State
Net Pay Advance is licensed to offer payday loans in California and serves customers across the state, including (but not limited to):
- Anaheim
- Bakersfield
- Fresno
- Long Beach
- Los Angeles
- Oakland
- Sacramento
- San Diego
- San Francisco
- San Jose
Frequently Asked Questions
What do I need to apply for a payday loan in California?
Applying for a payday loan in California is fast and easy. To apply online, you must be a California resident, be at least 18 years old, and have an active checking account.
Why does Net Pay Advance cap California payday loans at $255?
Payday loans in California are legally capped at $255. Net Pay Advance adheres to this regulation, offering California residents online payday loans up to $255. Check out our California rates and terms page for more information on California payday loan laws.
How can I receive my California payday loan funds today?
We know that when you need emergency funds, you need them fast. If approved by 5:30PM PT (7:30PM CT), Monday – Friday (excluding holidays) new customers with a participating debit card on file can see funding as soon as the same day. All other approved and requested funds will be made available in the bank account provided the next business day. Please note that time of funding to all accounts may be limited by system, bank restrictions, or eligibility. Additional factors including weekends or holidays may delay funding availability.
Can I pay off my payday loan ahead of schedule?
Absolutely. Your repayment, with fees and costs, will be charged to your banking account on your next payday but if your financial circumstances change sooner – you can repay your California payday loan early without penalty. Your total repayment amount is pre-determined so you will still be accountable for all agreed to total charges.