Payday Loans in California

California payday loans may be able to help when you are short on cash and are still days away from your next payday. Cash Factory USA offers payday loans in California. We offer an easy application, a quick decision that depends on your qualifications, and money in your account typically by the next business day.

When you’re searching for online payday loans in California, you may have questions about the terms and guidelines. Understanding information about the loans may help make obtaining and repaying them easier. Additionally, California has specific laws regarding the use of payday loans, and we are compliant with all states, and federal regulations.

What Is a Payday Loan?

If you’re in need of a small loan, a payday loan may be able to help you. A payday loan is a small dollar loan usually between $100-$255 (depending on your qualifications and state laws) that is designed to help you pay for immediate expenses until your next payday. The loan balance is usually repaid on your next payday. We offer up to $255 payday loans online in California.

Terms for California Residents

Some requirements for California payday loans: 

  • Your maximum loan amount may not exceed $255.
  • Your loan term cannot exceed 31 days.
  • Fee Schedule and APR
  • You must have an open and active checking account

To learn more about the details of online payday loans in California, click here.

Borrowing for the Short Term

Payday loans typically have a shorter time period in which you can pay the loan back without penalties. Unlike larger loans that have longer terms, you are typically expected to pay the loan back within a few weeks, usually on your next payday.


2233 Paradise Road LLC, DBA Cash Factory USA is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Cash Factory USA is licensed to do business in California pursuant to California Financial Code Section 23000 et. seq. All lending activity is regulated and examined by the California Department of Financial Protection and Innovation. Cash Factory USA cannot use the criminal process against a customer to collect any deferred deposit transaction.

California Deferred Deposit Originator License