Get a $255 Online Payday Loan in Oakland, CA – Apply in Minutes

From emergencies to everyday gaps, our $255 online payday loans offer fast, secure cash—no hard credit check required.

Need quick cash in Oakland? Apply online for a payday loan today

If you’re in Oakland and facing a financial gap between paychecks, you may qualify for a $255 online payday loan from Net Pay Advance. The process is fast, fully online, and designed to be stress-free.

No hard credit check
Instant decision
Same-day funding*
Secure and licensed

Apply Now

It only takes a few minutes!

Who can apply for a payday loan in Oakland?

To qualify in California, including Oakland, you must:

Be 18 years or older
Have a checking account open for at least 30 days
Reside in a location where we’re licensed (Oakland is included)
Have a steady source of income

Our approval process focuses on real-life eligibility, not your credit score.

Why use a California-licensed direct lender like Net Pay Advance?

As a state-licensed direct lender, we keep the lending process straightforward:

You work directly with us—no third-party lenders
We follow all California compliance laws
Our customer support team is here to help at any point

California payday loan rates and terms

Max Loan Amount: $255
Fee: $17.65 per $100 borrowed
Example: Borrow $255 → Repay $300
Repayment: Due on your next payday (7–31 days)
License: View our license →

View Rates & Terms

How to use a payday loan responsibly in Oakland

Payday loans can help cover:

Rent or utility bills
Emergency auto or home repairs
Time-sensitive fees
Avoiding overdraft or NSF charges

To save money, repay your loan as soon as possible. If needed, we offer:

Free 3-day extensions
Extended Payment Plans before collections
Promise-to-Pay plans after an account becomes past due

These tools help keep your account in good standing and reduce financial stress.

Apply online from anywhere in Oakland

Whether you’re near Lake Merritt, Uptown, or the Eastmont District, you can apply online in minutes—no office visits or long lines required.

Apply Now

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Don’t live in Oakland?

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