Payday Loans In California - Instant Funding

$500 - $1500. Get Instant Approval. Good credit not needed

Payday advances can be a lifesaver when you lack sufficient funds to cover an emergency. Indeed, a payday can seem very far when you have pending car repairs or unexpected bills. Sometimes your only way out is with online payday loans in California. The easiest way to find these is through Capital Pacific Loans.

We take pride in our easy application process, instant decisions, and fast turnaround time. Typically, the approved money will hit your bank account within one business day. The repayment terms of payday loans vary between one and four weeks or your next paycheck.

Most importantly, we connect borrowers with lenders that offer legitimate and transparent financial products. Below, we highlight the features of payday loans you should be aware of when applying for an online cash advance in California.

How Can I Get Fast Cash in California?

All you need to do to access fast cash is fill in the online application on our website and wait for an approval. If you qualify for the payday loan, the money will reach your bank account within a few business hours. You might wait a bit longer if you apply later in the afternoon or during non-working days and national holidays. In this case, the lenders will transfer the money to your account the next business day.

Is a Payday Loan in California Right for Me?

Payday loans in California offer a few benefits for customers that need fast funding. First, they get access to quick and convenient loan forms at any time of the day. Second, applying follows the on-the-go principle, and instant approvals are almost guaranteed.

Short-term money can be convenient and practical when faced with an emergency. You get the advance fast and settle urgent obligations right away. So, if you have a short-term money problem and need money quickly, a payday loan is the answer.

California Rates and Terms

The typical loan amounts include $100, $150, $200, $250, and $300. The maximum loan amount of a single advance, including fees, cannot exceed $300 per account. Hence, even though the financed amount caps at $300, you will get $255 due to spending $45 in fees. The fee may not seem very high, but the APR for a payday advance can reach 460%.

The annual percentage rate (APR) can increase if the loan term is shorter than one month. Note that failing to repay in time will result in higher interest. The maximum loan term for any small loan agreement can stretch up to 31 days.

California Payday Loan Fees and Charges

Finance charges for California payday loans cap at $45. The law stipulates that permitted fees can't exceed 15% of the face value of the check. Origination fees are non-applicable, but there is an NSF fee of $15. For example, if you take a $100 loan over two weeks, the loan cost will be $17.65. Thus, you will pay $117.65 back at an annual percentage rate (APR) of 460%.

How Many Payday Loans Can I Get in California?

California's Deferred Deposit Transaction Law allows only one outstanding loan at any given time. So, customers must pay their first loan in full before taking another one. Additionally, rollovers and extension charges are illegal, there is no cooling-off period, and borrowers can't take out one loan to service a previous one.

Who is Eligible for Payday Loans in California?

Applying for online payday loans in California means you must meet specific criteria to get considered. To be eligible, you must:

  • Be at least 18 years old;
  • Be a legal US resident or permanent citizen;
  • Earn at least $800 per month in steady employment;
  • Have a valid email address and phone number;
  • Submit open checking account information.

Once you share the essential personal and income details, you must specify the exact loan amount you wish to borrow. The direct lender will get back to you once they review your information. You may get contacted if you need to provide further data.

What if I Have Bad Credit?

Even with a bad credit score, you can qualify for a CA small loan. Capital Pacific Loans accepts all credit histories. So, if you've been turned down elsewhere due to past financial mistakes, don't hesitate to request a loan with us. Our direct lenders consider several other factors besides your credit score, such as your employment, income, and recent purchases.

How Can I Find a Payday Loan in California?

Capital Pacific Loans is a company with a streamlined application process. We impose no hard credit checks or lengthy approval procedures. Before anything, you must complete our application for an online cash advance in California. To this end, we ensure a quick, easy, and 100% safe loan process.

If you qualify, you will sign the e-agreement via our website and proceed to fast funding. If you meet our minimum criteria, the money will get deposited into your bank account almost instantly.

Choosing a California-licensed Lender

We only work with direct lenders that abide by state regulations. Our loan connection services will help you find the right lender, and you can receive funds within one day. As for online loans, we are compliant with the California Deferred Deposit Transaction Law.

Why is Capital Pacific Loans the Best Choice for a Payday Loan in California?

Capital Pacific Loans is a company that follows the applicable lending rules. We cooperate with a vast pool of direct lenders who offer short-term funding with favorable terms that match your needs.

Moreover, we strive to help our customers overcome any financial hardship by providing a no-hassle service. For more information on the lending process, contact our customer service team online or by phone.

Is Capital Pacific Loans a Lender?

Though Capital Pacific Loans is not a direct creditor, it works with top lenders to find loans with the best rates. More precisely, we're a loan connection service. Our mission is to cater to your immediate financial needs.

Our company ensures you get fast responses for payday loans in Vallejo, CA, and any other city within the state. You can fill out the online loan form at any time and get the most affordable offers on the lending market.