Online Payday Loans in California

If you live in California and need to address your urgent money issues, Magnolia Payday Loans can help you out! We understand that no one can foresee the unforeseen, so our core goal is to provide state residents with the best online payday loans in California at arm’s length.

With our help, you can access smart and same-day financial solutions from trusted direct lenders. Our no-credit-check process is why you can get an almost instant approval decision and deposit, even with bad credit. Apply online from the comfort of your home and get your money today!

What Are Payday Loans?

Payday loans are small borrowings that can provide you with money until you get your next paycheck. These loans need to be repaid in full after your next salary arrives, so the repayment term is usually 2 to 4 weeks. As payday lenders don’t consider your credit history a fundamental criterion for loan approval, they don’t perform hard credit checks via major credit bureaus. This makes payday loans extremely fast and available even with bad and poor credit scores.

However, loans till paychecks can also be more expensive than regular personal loans due to their high interest rates. In terms of an annual percentage rate, payday loan costs can be over 400%.

How Do California Payday Loans Work?

In California, borrowers can get payday loans both online and from storefront lenders. The process is always simple and usually takes less than one hour, from applying to getting approved. Then, the funds are deposited into a borrower’s checking account within one business day or less. California payday loans can be used for various personal needs without restrictions. Then, you need to repay it in full when agreed, typically via an electronic withdrawal from your bank account.

Are Payday Loans in California Legal?

Payday loans in California are legal and subject to the Civil Code 1789.30 et seq. and the Financial Code 23000 et seq. These documents protect borrowers from any illegal actions against them by setting various rules and limits that each California payday lender must follow to operate in the state.

California Payday Loan Terms and Rates

According to state laws, California residents can get payday loans of no more than $300. Licensed payday loan providers are allowed to charge an up to 15% fee of the total amount of the check (up to $45). This 15% fee is equivalent to an annual percentage rate of 460%. However, short repayment terms of up to 31 days hold payday loans back from becoming prohibitively expensive.

Additionally, a fee can be applied for insufficient funds or a bounced check. This charge can be up to $15. No rollovers or renewals are allowed for payday loans in California.

Can I Get Online Payday Loans in California with Bad Credit?

Online payday loans in California and across the US are bad-credit-friendly options. Lenders set no minimum credit score requirements and offer equal credit opportunities to borrowers with no, bad, and good credit. Thus, your low credit score won’t be a hurdle to clear before applying for a payday loan. Just make sure your income is sufficient for the requested amount because loan providers will pay attention to your ability to repay the loan.

How to Apply for Payday Loans Online in California?

The procedure for getting payday loans online in California is very simple. You only need to take four steps to get on top of your finances:

  1. Request a loan online. To do this, fill out a form on the Magnolia Payday Loans website in 5 minutes.
  2. Get almost instant approval. A state-licensed direct lender from our database will review your application details against eligibility and send you a response via email. It usually takes from 15 minutes to 1 hour.
  3. Accept your loan agreement terms. If approved, read your loan documents carefully and sign them if you find conditions suitable.
  4. Wait for the money to arrive. A lender will transfer your loan proceeds via a direct deposit into your bank account as soon as the next business day.

What Do I Need to Get $255 Payday Loans Online?

Before applying for $255 payday loans online, prepare some personal information to speed up the process. You will need just a basic minimum, which includes the following:

  • Personal data: your full name, Social Security number, Taxpayer Identification number, valid ID, driver’s license;
  • Contact information: residential address, cell phone number, email;
  • Income and employment details: pay stubs, bank statements, bank account number, your employer’s contact information.

Additionally, there are some simple eligibility requirements you need to meet:

  • Be at least 18 years old;
  • Have an active checking account in your name;
  • Have a steady source of income (salary, self-employment, government benefits);
  • Be a US legal citizen;

Why Should You Opt for California Payday Loans Online from Direct Lenders?

Online loans from direct lenders come with multiple benefits for Californians. Dealing with a service provider bypassing third parties positively impacts the speed of the loan process and the cost of your loan. Additionally, this is a safe way to get California payday loans online, as your personal information won’t be disclosed to middlemen and will only be used for a decision-making process. Additionally, you can complete the whole process in a matter of minutes from any place, 24/7.

California Payday Loans Near Me

At Magnolia Payday Loans, we are happy to help California residents improve their financial health. If you’re looking for a payday loan place near you in California, our conveniently located stores are open for you. We provide fast loans online with same-day funding. Check these locations.

 Magnolia Payday Loans Bakersfield

4550 California Avenue suite 310, Bakersfield, CA 93309

Bakersfield Easy Loans

(661) 491-7021

 Magnolia Payday Loans Sacramento

520 Capitol Mall suite 760, Sacramento, CA 95814

Sacramento Easy Loans

(916) 634-0644

 Magnolia Payday Loans San Francisco

1329 Ocean Ave, San Francisco, CA 94112

San Francisco Easy Loans

(415) 650-2036

 Magnolia Payday Loans San Diego

3252 Holiday Court #209, San Diego, CA 92037

San Diego Easy Loans

(858) 302-4223

 Magnolia Payday Loans Rialto

1215 West Renaissance Pkwy suite 24, Rialto, CA 92376

Rialto Easy Loans

(909) 314-1268

 Magnolia Payday Loans Fresno

4450 W Shaw Ave, Fresno, CA 93722

Fresno Easy Loans

(559) 354-2182

 Magnolia Payday Loans San Jose

25 North 14th Street suite 906, San Jose, CA 95112

San Jose Easy Loans

(408) 889-7949

 Magnolia Payday Loans Tustin

18302 Irvine Blvd unit 220, Tustin, CA 92780

Tustin Easy Loans

(714) 683-0451

 Magnolia Payday Loans Albany

828 San Pablo Ave #206, Albany, CA 94706

Albany Easy Loans

(510) 288-9402

 Magnolia Payday Loans Murrieta

25114 Jefferson Ave ste D, Murrieta, CA 92563

Murrieta Easy Loans

(951) 397-0442

 Magnolia Payday Loans Redding

190 Hartnell Ave, Redding, CA 96002

Redding Easy Loans

(530) 319-5837

Get California payday loans online with no credit check!


  1. Is Magnolia Payday Loans Licensed?
    Magnolia Payday Loans is a licensed loan-finding company that operates under federal and state law. We have a license issued by the California Department of Financial Protection and Innovation.
  2. How Much Can I Borrow with a Payday Loan in California?
    The maximum payday loan amount in California is $300. However, you may be approved for a lower amount if your income minus your other mandatory financial obligation will not be enough to cover this sum in full by your next paycheck.
  3. Can I Get Several Payday Loans at a Time?
    California laws don’t allow payday lenders to issue a new loan if you don’t repay the existing one, even if the entire amount of combined debt doesn’t exceed $300. This means that you can have only one payday loan at a time.
  4. When Will I Get My California Payday Loan?
    In most cases, a California payday loan will reach your checking account within one business day. The exact term depends on a lender’s and your bank’s cut-off times and the time of the day you apply.
  5. Is It Possible to Get Same-day Payday Loans in California if I Need Money Fast?
    Same day payday loans in California may be offered by certain lenders under several conditions. Typically, you need to get approved before noon on workdays to improve your chances of getting the money by the end of the same day.
  6. How Should I Repay My Payday Loan?
    The repayment is usually an automatic process that comes with an electronic withdrawal on your next payday. Thus, you only need to provide a lender with access to your account and make sure there’s enough money in it on the maturity date.
  7. Can I Extend a Repayment Period for My Payday Loan in California?
    Any extensions, renewals, or rollovers are not allowed in California according to state laws. A lender can only approve your request for a flexible repayment plan, but no extra fees can be charged for this.