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$1,000 - $35,000 Personal Loans in California

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

In the state of California, you may be able to get a Personal Loan ranging from $1,000- $35 000. These loans are available for people with bad credit and there is no limit on what you have o use them for. They can be repaid in flexible monthly installments and if you are able to pay it off ahead of time, you can do so without worrying about penalties. Apply online or at a lender store, or check out more traditional options such as banks and credit unions.

Compare Personal Loans in California from the Best Direct Lenders Online or find a Loan Store near your location.
COMPACOM – Compare Companies Online

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

TOP RATED COMPANIES

Rates last updated November 14th, 2018

Lending Point

$25,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

Not stated
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

LendingPoint Personal Loans - is a verified licensed lender offering Prsonal Loans up to $25,000 as soon as the next business day. It specializes in customers with fair credit scores (in the 600s) and offers a very convenient and affordable repayment process consisting of easy, automatic, online payments.

Checking an offer will not affect your credit score.

4.4285714285714

Check Into Cash

$3,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

Varied by state
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Check Into Cash is a national leader in direct lending, providing customers with affordable, short-term, small dollar credit solution. We provide Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns,Check Cashing, Western Union®, walk-in Bill Pay, and reloadable prepaid U.S. Money Cards in our centers nationwide. Check Into Cash is truly your one-stop money shop.

Bad Credit Loans

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

5.99%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

BadCreditLoans.com has been in the business of helping people since 1998. We make it simple for consumers to get the funds they are looking for online.

We offer: 

  • Bad Credit Personal Loans
  • Bad Credit Business Loans
  • Bad Credit Credit Cards
  • Bad Credit Mortgage Loans
  • Bad Credit Home Loans
  • Bad Credit Student Loans
  • Bad Credit Auto Loans
4.7142857142857

Personal Loans .com

$35,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $35,000 for Personal loans. But it may vary depending on the lender and his requirements.

5.99%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

PersonalLoans.com provides an easy and convenient way for consumers to be connected with a Personal Loan up to $35,000 through the network of lenders and lending partners. Through PersonalLoans.com, you can get needed loan funds quickly, in as little as just one business day. You don’t have to pay back these funds quickly, however, as the repayment time frame ranges from 90 days to 72 months depending on the terms of your loan. For shorter-terms loans offered, such as installment loans, the repayment time frame may be less than six months.

4.4193548387097

PAYDAY LOANS USA .ONLINE

$35,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

4.99%
Min. APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, unsecured
Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Has life thrown you an unexpected financial curveball? Need a loan? Bad Credit?  Don’t look any further! PAYDAY LOANS USA .ONLINE is here for You. 100% online short-term Payday and unsecured Personal loans from some of the best direct lenders in the USA.

LOAN RULES, LAWS AND REGULATIONS IN California.

We've done a thorough research of the main lending details and presented them in the table to make it more clear and convenient for you:

Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $35,000
MIN. Loan Term 90 days
MAX. Loan Term 60 month
MAX APR 450%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Apply online
Law status legal
MIN Loan Amount None
MAX Loan Amount $300
MIN. Loan Term None
MAX. Loan Term 31 days
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
Find out more Apply online
Law status legal
MIN Loan Amount $1,000
MAX Loan Amount $5,000
MIN. Loan Term 90 days
MAX. Loan Term 36 month
MAX APR 225%
Collateral or guarantor None, unsecured
Credit score requirements Available for Bad Credit
Find out more Apply online

ONLINE COMPANIES

Rates last updated November 14th, 2018
4.2352941176471

Fast Holiday Loans

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6,63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Get cash for the holidays! Get a loan of up to $15,000 as soon as the next business day! Wrap Up the Holidays with up to $15,000 in Cash! This holiday season, get the cash you need. We’ll connect you with a lender who can provide up to $15,000 to take care of all of your holiday expenses!

Benefits:

  • Easy Online Application
  • Safe and Secure
  • Fast Decision
  • Trusted Source

PenFed Credit Union Student Loans

$300,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It is often limited to a certain sum but it may vary depending on the lender and his requirements.

5-15 years
Terms

It's the period of time within which you are to repay the loan.

$7,500
MIN loan amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

Available for Bad Credit

Consolidate your private and federal student loans from PenFed, the refinance company offering the best interest rates. Refinance Parent Plus loans, Spouse Loans, and Individual Student Loans.

PenFed offers competitive rates for student loans, and unique loan programs such as spouse loans, allowing individuals and couples to consolidate and refinance their federal and private student loans into a single loan.

Jora Credit

$2,600
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

170%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Jora Credit is a Lender that operates under the state specific rules for the states that it services. They are committed to the lending of responsible credit products to eligible applicants in need of emergency credit. Jora offers a simple, reliable way for customers to get a loan, and have the flexibility to repay it over a duration of time that makes sense for their lives and budget. Jora provides loans as soon as the next business day. Apply today and get $500 to $2,600 as soon as tomorrow. Get a Loan Fast!

4.2352941176471

Payday Loans Low Rates

$15,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6,63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

THE TYPES OF LOANS THAT WE OFFER ARE AS FOLLOWED:

Payday Loans - a short-term loan which you typically would repay by your next payday or within 30 days. Normally comes with a higher (APR).

Instalment Loans - involves equal periodical repayments over an agreed loan term. No collaterals are needed either, but the APR is normally lower compared to the one of the payday type.

4.4375

Your Faster Payday

$5,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

6,63%
MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

How does YourFasterPayday.com work? You’re looking for cash to pay bills, to buy a car or maybe do some work around the house. YourFasterPayday.com has the lenders you're looking for. It's easy. It doesn't matter the size of the loan you're looking for... YourFasterPayday may be able to connect you with a lender that can help. Fill out the block above to get started.

PayDay Loan Calculator

Selecting the amount of the loan you want to get you state the principal on the basis of which we calculate the interest and the total cost of the cash advance.
The number of days within which you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the interest.
To calculate the total cost of your loan we take the minimal average APR legal in all the states which is 36%. This figure is only a representative one providing you with general information on how much the loan may cost. To find out a more accurate sum fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s some money charged by the lender for doing all the necessary paper work, bank transactions, etc. connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve mentioned if you borrow the stated above amount for the average (or required by your lender) APR.

Everyday is a bank account, and time is our currency. No one is rich, no one is poor, we've got 24 hours each. --Christopher Rice

And any of these 24 hours you can use our service to solve any financial problems you happen to get.

Contents:

How Online and In-store Personal Loans Work.

Personal Loans Compared to Other Types of Loans.

Unsecured vs. Secured Personal Loans.

Taking a Personal Loan with Bad Credit.

Personal Loans from Banks and Credit Unions.

How Online and In-store Personal Loans work. 

To get a $1,000 - $35 000 personal loan, follow these 4 easy steps:

  1. Compare lenders to find reliable ones with the lowest rates
  2. Fill out a free application form
  3. Get approved in minutes by various direct lenders
  4. Get the funds directly deposited into your bank account the same day or the next business day.

These steps are basically the same both online and in-store. The main differences are:

  • applying online is easier and faster as it doesn't require driving to the location, faxing, or doing paper work
  • in-store you can get the money the same day you apply
  • you have a wider choice of lenders online and the opportunity to compare their offers.

Besides having a quick and easy application process, personal loans have several other advantages:

  • Opportunity to compare more than 300 direct lenders both online and in-store
  • Up to $35 000cash in your account within 24 hours
  • Easy to manage fixed payments
  • No collateral
  • No guarantor
  • Suitable for borrowers with a bad credit history
  • Can be used for any of your personal needs.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

Personal Loans Compared to Other Types of Loans. 

There are several methods for getting the money you need. Each loan type comes with its own unique APR and minimum monthly payment. For example, if you take out a $10,000 for years, the total cost will differ depending on what kind of loan you take out. The following chart will show you how each loan differs with these numbers.

Loan Type

APR

Monthly payment

Total cost

Unsecured Personal Loans

 

6.99%

$336

$12,097

Secured Personal Loans

 

5%

$319,4

$11,500

Line of Credit

 

13.5%

$390,2

$14,050

Credit Cards

 

12.5%

$381,9

$13,750

Auto Loans

 

6.7%

$333,6

$12,010

Bank Loans

 

4.9%

$318,6

$11,470

Credit Unions

9.99%

$361

$12,997

*All the rates are representative and may vary by the lender.

The cheapest option is a secured personal loan. It does, however, come with risks. Since it is a secure loan, that means you have to put up collateral. Usually, collateral with be personal property like a car. On the upside, it has lower interest rates. This type of loan may be the best if you are confident in your ability to pay it off on time.

If you are not, you may want to check out getting an unsecured loan. The interest rate is not that much higher and you don’t have to put up any collateral. This type of low is good for those with a bad credit score or low or unstable income.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

If you are lucky enough to have a good credit score and your credit history is almost perfect, consider borrowing from a bank or credit union

Unsecured vs Secured Personal Loans. 

As stated in the previous section, there are two main types of personal loans to choose from. You may choose one of them based on these factors: the amount you need, your income, and your ability to repay the loan. Let’s look at the differences between these types of loans closely.

Unsecured Personal Loans

  • Most require only your signature
  • A bit higher interest rates
  • Suitable for any personal needs
  • Affordable repayment terms and conditions

Secured Personal Loans

  • You can use almost anything as collateral
  • Competitive interest rates
  • Purchase of new and used items
  • Affordable payment terms suited to your needs

The real question when choosing which type of personal loan to take is whether or not you are willing to put up collateral or how high of an interest rate you want. Consider the decision carefully.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

Taking a Personal Loan with Bad Credit. 

Early, it was mentioned that in the state of California, those with bad credit can take out a personal loan. But what does it mean to the lenders if you have bad credit? To simply put it, your credit history tells lenders how risky of a borrower you are. Understandably, lenders prefer to loan out money to those who will be able to pay it back in a timely manner.

Fortunately, lenders look at more than your credit score in order to access your riskiness. Here are the other factors that they look for:

  • Employment history: A minimum of 12 months at your current job is a plus.
  • Average household income: Whether you’re employed, retired, or self-employed, verifiable income is key.
  • Financial history: it's preferable to have a responsible banking and financial track record.
  • Credit behavior: having a positive borrowing experience with NO debts.

And even if you are approved for a personal loan with bad credit, your score may influence the amount you receive and the interest rates you have to pay. The table below shows the average APR based on credit scores.

Credit Score

Average Personal Loan APRs

Excellent (720 - 850)

10.3% - 12.5%

Good (680 - 719)

13.5% - 15.5%

Average (640 - 679)

17.8% - 19.9%

Poor (300 - 639)

28.5% - 32.0%

 As you can see, the higher your credit score, the lower your rates will be. If you have an Excellent FICO score (between 720 and 850), you can expect to find raters at about 12% to 10% or even lower.

Those with a Poor FICO score may not get approved for a personal loan. In that case, you may wish to apply for an installment or payday loan instead. The APR is often higher with these options, so be careful.

And don’t worry about a credit check damaging your credit history. While in some cases it is possible, most lenders with do a soft credit check, which won’t affect your history at all. Just be cautious if you plan on taking out a $15000 unsecured loan, for some lenders will do a hard lined inquiry in that case. Overall, there’s little no impact to your credit history with a credit check from a lender.

Personal Loans from Banks and Credit Unions.

These places are the traditional way to get loans. However, most people rather apply online or in-store when it comes to taking out a personal loan. There are several reasons that we’ve already mentioned (quick, easy, available for those with bad credit, etc.).

Interesting facts
  • 29% residents of the USA borrow from banks
  • 23% - from credit unions
  • the remaining 48% from online and in-store lenders.

Here are the pros and cons of using a bank or credit union to take out a loan.

Banks

Pros
  • Lower rates.
  • Legal status.
  • Professional service.
Cons
  • Strict eligibility requirements.
  • Need a banking account.
  • You may be charged some additional fees for account maintenance.

Credit Unions

Pros
  • Offer a wide range of financial services, including checking and savings accounts, CDs, retirement funds, and multiple types of loans.
Cons
  • It takes a few weeks to process the application.
  • You need to be a member to get the funds.

Personal loans tend to be popular since they appear to easier to get approved for. The statistics show the least number of denials for this loan type in comparison with the others.

NEED CASH FAST?
  • Payday Loans $100 - $1,000
  • Personal Loans 1,000 - $35,000

Personal Loans under certain economic conditions in California

Not everybody might know that the nickname of California is The Golden State. Its population counts up to 39 776 830 people. Not all of them are aware that their state is famous for : "Being avocado capital of the world and having the biggest number of breast-fed babies". But 10 393 686 CA residents definitely know about the popularity of easy, convenient and legal Personal Loans as they borrow them at least once a year. California produces 14.17% of the US GDP (Gross Domestic Product), which is $2 622 731 mln and puts the state on the 1th place among all the others. A median household income here constitutes $64 500, or $30 441 per capita to compare with the price parity of 86.8 out of 100. These figures prove once again how hard it may be sometimes to make both ends meet with an average weekly wages of $585. Not surprisingly, the poverty rate reaches 16.40%, or 6 253 thousand people, i.e. the 35th position all over the country. No wonder 57% state’s residents are in need of a quick and easy money, which can be applied for in-store or online in the type of Payday, Installment or Personal loan.

The Economic Condition of California

Most people probably don’t know that California’s state motto is “Eureka!”, which is Greek for “I have found it!”, something usually associated with the story of Archimedes’ discovery of buoyancy, and not the state that is the home of Hollywood. What people do know is what the state is famous for: Hollywood, The Golden Gate Bridge, Los Angeles, Silicon Valley, and several other things. The state has a population of 39.54 million people. About 34% of the population takes out personal loans, speaking to the ease, convenience, and legality of personal loans.

California accounts for 14% of the US GDP and has an $2.6 trillion economy, putting the state at number one in rankings, followed states such as Texas and New York. In fact, California outranks several countries and is the six largest economy in the world.

California has the largest economy in the United States and, in 1997, was the first state to reach the trillion-dollar benchmark in gross state product. In 2012, California was ranked the ninth largest economy in the world.

The median household income is $63, 909 (or $31, 458 per capita) with a price parity ranking of 113.4 out of 100. The average weekly wage is around $1,206.92. Yet, the poverty rate reaches 19% (about 7.5 million people), which makes it one of the states with the highest poverty in the nation (it ties with Florida and Louisiana for the number one spot). This is mostly due to the ever-increasing rent prices along with the fact that wage earnings are not increasing with them. No wonder 34% of the population needs quick and easy money, which can be applied for online or in-store as payday, installment, or personal types of loans.

Requirements for qualifying for a personal loan:

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include but may not be limited to:

  • California (US) residency
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying online, you must provide a valid Social Security Number
  • If applying at a loan store, you must bring a valid government issued photo ID. A Social Security Number may not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

CA CUSTOMER REVIEWS