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$255 Payday Loans Online Same Day in California

$255 Payday Loans Online Same Day in California


Get up to $255 payday loan instant funding direct deposit in California with a fast and easyonline application.

Apply for California Payday Loans from a direct lender right now. Get a guaranteed instant decision with no credit check. Receive the money deposited into your bank account within one business day. Start now!

Need emergency cash? Apply for Fast Payday Loans Online with no credit check required. Bad credit won't be a problem for approval. Financing is likely to be granted within 1 - 2 business days.


Why Choose Compacom for Payday Loans in California

If you've come across urgent financial needs and the next pay day is far away, Compacom will help you get instant cash today with fast and easy Online Payday Loans from the best California direct lender. More than 2 355 000 trust us and they have clear-cut reasons.
Quick and Easy
Apply for a fast payday loan online right now and pay the money back with your next paycheck.
No Hard Credit Check
Get guaranteed instant approval decision without hard inquiry no matter what your credit is.
Safe and Reliable
Get connected with the best legit direct lenders. OLA certified. Trusted by thousands of US borrowers.

How California Payday Loans Online Work - 3 Easy Steps to Instant Cash

Complete a simple application form online in minutes at the best California lender's website.
If you qualify, you'll be approved fast same day. Check your rates and sign a loan agreement.
Get your Payday Loans fast with a direct deposit to your bank account.
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Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in California?

Loan Rates and Fees, Laws and Regulations in California.

California residents can apply for up to $300 Online Payday loans for a maximum of 31 days. It’s legal and regulated by the Civil Code 1789.301 and the Financial Code 230002 which sets the average APR of 459%. Lenders can charge $17.65 for 14-day $100 loan. The finance rate and fees shouldn’t be higher than 15% of the check.

Only one simultaneous loan is allowed at a time, but there’s no cooling-off period before the next one. Rollovers are forbidden, the repayment plan is voluntary but on the condition that no additional fees are charged. If you can’t repay the money there’s a $15 non-sufficient-fund fee. Any criminal actions against debtors are prohibited.

Law status legal
MIN Loan Amount $100
MAX Loan Amount $300
MIN. Loan Term 14 days
MAX. Loan Term 31 days
MIN APR Varies by lender
MAX APR 459%
Additional fees 15% of the check
NSF fee $15
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period None
Rollover Not allowed
Extension, repayment plan Voluntary repayment plan
Default penalties Not stated
Credit score requirements Available for Bad Credit
Apply online

How do California Payday Loans Online work?

Ride the tide of California affordable bad credit Payday Loans from direct lenders. Apply online or compare your options in "The Golden State"

Any resident of California can apply for a Payday Loan both online and near you. But, of course, online lending is becoming more and more popular as it has plenty of advantages:

  • it gives you a chance to compare a lot of different offers at once,
  • you can avoid driving, doing paperwork, and waiting in lines,
  • applying is free and simple, 
  • you have very high chances of approval even with a bad credit score,
  • you can find some lenders ready to give you the loan with no credit check,
  • it's available 24 / 7.

How to Get a Payday Loan Online in CA

The process of applying for the necessary loan online is quick and simple:

  1. Research reputable lenders: Start by researching reputable online payday loan providers that are licensed to operate in California. Look for lenders with good customer reviews and clear terms and conditions.
  2. Compare loan offers: Compare interest rates, fees, and terms offered by different lenders. California law limits the maximum payday loan amount to $300, and the maximum fee a lender can charge is 15% of the loan amount.
  3. Prepare necessary documents: Gather the required documents, which typically include:
  • Proof of identity (driver's license, state ID, or passport)
  • Proof of income (pay stubs, bank statements, or a letter from your employer)
  • Proof of residence (utility bill, lease agreement, or mortgage statement)
  • Bank account details (routing and account numbers for direct deposit)
  1. Complete the online application: Visit the lender's website and fill out the online application form. You'll need to provide your personal information, employment details, income, and bank account information.
  2. Review and submit: Double-check the information you've provided in the application form for accuracy, and then submit it.
  3. Await approval: Online payday loan providers often offer quick approval times, ranging from a few minutes to a few hours. Once approved, carefully review the loan agreement and make sure you understand the terms, interest rates, and fees.
  4. Receive funds: If you accept the loan offer, the lender will typically deposit the funds directly into your bank account within one business day.
  5. Repay the loan: Pay back the loan according to the agreed-upon terms. In California, payday loans must be repaid within a maximum of 31 days. The lender may automatically withdraw the repayment amount from your bank account on the due date.

Remember that payday loans should be used as a last resort due to their high interest rates and fees. It's essential to explore other financial options, such as personal loans, credit cards, or borrowing from friends and family, before turning to payday loans.

Can I get $255 Loan Same Day in California?

Looking for a payday advance online in California, just fill out our simple application form. In need of $255 payday loans online? That's more than possible. A $255 payday loan is exactly the amount allowed by California short-term loan laws since 1996. Under the state's regulations, it's legal to issue Payday Loans up to $300. Legit direct lenders are allowed to charge you a maximum of 15% fee. The total loan amount left after the finance charges are withdrawn is a $255 Payday Loan. And you pay $45 as a fee.

Most of our partners who are legitimate lenders offer $255 payday loans online in California. Besides, we can provide you with more flexibility. You can apply for a California Payday advance loan of $200, $300, $400, $500, $600, or more, depending on our finance charges and your qualifications. 

$255 Payday Loans Online Same Day with No Credit Check

The average credit score in California was around 716, which is considered a "good" credit score by most lending institutions. However, credit scores can vary significantly among individuals, and not everyone in the state will have a good credit score. Many Californians may have a lower score due to various factors, such as late payments, high credit utilization, or limited credit history.

It's challenging to determine the exact number of people who turn to payday loans in California due to bad credit or a desire to avoid credit checks. However, it's clear that individuals with poor credit or limited credit history often face difficulties in obtaining traditional loans or credit cards. As a result, they may turn to alternative financial services, such as payday loans, to cover urgent expenses.

A report by the California Department of Business Oversight (DBO) revealed that in 2019, there were more than 10.2 million payday loan transactions in the state, totaling over $2.8 billion in loans. While this data doesn't explicitly state the borrowers' credit scores or reasons for seeking payday loans, it does indicate a significant demand for these short-term, high-cost loans in California.

Payday Loan - Instant Funding to Debit Card in California

With Online Payday Loans you get the financing really fast. If you have applied and been approved for the loan before noon on a business day, you can get instant funding to your debit card on the same day within 24 hours. Use the money immediately for any personal needs. 

In California, you can indeed find online lenders that offer instant funding direct deposit loans. These loans are designed for quick approval and disbursement, with the borrowed amount being sent directly to your bank account. The loans can come in various forms, such as payday loans, installment loans, or personal loans.

When applying for an instant direct deposit loan online, you'll need to meet specific eligibility criteria, which generally include:

  • Being at least 18 years old
  • Holding a valid Social Security number
  • Showing proof of income (e.g., pay stubs or bank statements)
  • Having an active checking account
  • Providing a valid email address and phone number

However, it's important to keep in mind that these loans can be quite expensive due to high interest rates and fees. Moreover, California has established regulations to protect borrowers, which include restrictions on loan amounts, interest rates, and fees for certain types of loans.

What is The Cost of a $255 Payday Loan in California?

In California, the maximum fee a payday lender can charge for a payday loan is 15% of the loan amount. To calculate the approximate cost of a $255 payday loan, you can use the following formula:

Loan fee = Loan amount × Fee percentage

For a $255 payday loan in California, the calculation would be:

Loan fee = $255 × 0.15 Loan fee = $38.25

The loan fee for a $255 payday loan in California would be approximately $38.25. Keep in mind that this is only the fee; you would also need to repay the original loan amount of $255. Therefore, the total repayment amount would be:

Total repayment = Loan amount + Loan fee Total repayment = $255 + $38.25 Total repayment = $293.25

The approximate cost of a $255 payday loan in California would be $38.25, and you would need to repay a total of $293.25. Note that this calculation does not include any additional fees, such as late payment fees or returned payment fees, which could be incurred if you fail to repay the loan on time.

Can I Get the $255 Loan at the Weekend?

Yes, it is possible to get a $255 payday loan over the weekend in California, as some online payday loan providers offer services outside of regular business hours, including weekends. However, the availability of funds might depend on your bank's processing times. While online lenders can approve loans quickly, sometimes even within minutes, the actual deposit of funds into your account may be delayed until the next business day if your bank doesn't process transactions on weekends.

To maximize your chances of receiving a payday loan over the weekend, follow these steps:

  1. Find a lender that operates on weekends: Research online payday loan providers that offer weekend approvals and funding. Read customer reviews to ensure the lender is reputable and licensed in California.
  2. Apply online: Complete the online application form, providing your personal information, employment details, income, and bank account information.
  3. Await approval: Online lenders typically have quick approval times, even on weekends. If approved, carefully review the loan agreement, ensuring you understand the terms, interest rates, and fees.
  4. Check your bank's processing times: Keep in mind that even if the lender approves your loan and initiates the fund transfer, your bank's processing times will determine when the funds become available in your account.
  5. Repay the loan: Remember to repay the loan on the agreed-upon terms. In California, the maximum term for a payday loan is 31 days.

Before you decide to apply for an instant funding direct deposit loan, it's wise to explore other, more affordable options like credit cards, personal loans from banks or credit unions, or even borrowing from friends or family.


$100 - $1,000 Payday Loans are available online regardless of your credit score and even income. If you have no bank account payday loans can offer you cash deposited to your debit card fast same day.


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What are California Payday Loans requirements?
Can you get no credit check Payday Loan online in California?
How many Payday Loans can you have in California at a time?
Can you get guaranteed instant approval for a Payday Loan in California?
Can I get a Loan with Bad Credit?

Payday Loans Hub

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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