- Payday loans are legal in California under the California Deferred Deposit Transaction Law.
- The typical APR on a $400 payday loan in California was 460% (CRL, June 2023, from state regulator data).
- Borrowing $300 at the maximum fee costs $45 fee on a $300 check, so you receive $255.
Payday loan rules in California
| Rule | California |
|---|---|
| Maximum check | $300 (so the most you can receive is $255) |
| Maximum fee | 15% of the check amount ($45 on $300) |
| Loan term | Up to 31 days |
| Rollovers | Not allowed |
Rules checked 2026-10-04. Laws change, so confirm current limits with the California Department of Financial Protection and Innovation (DFPI).
What a payday loan costs in California
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in California was 460%, based on data from the state regulator (June 2023). Under the state’s fee limits, borrowing $300 costs $45 fee on a $300 check, so you receive $255. Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in California
- Make sure the lender is licensed by the California Department of Financial Protection and Innovation (DFPI). Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say California law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in California
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in California that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
California cities
Local guides for 480 California cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Los Angeles
- Payday loans in San Diego
- Payday loans in San Jose
- Payday loans in San Francisco
- Payday loans in Fresno
- Payday loans in Sacramento
- Payday loans in Long Beach
- Payday loans in Oakland
- Payday loans in Bakersfield
- Payday loans in Anaheim
- Payday loans in Stockton
- Payday loans in Riverside
- Payday loans in Irvine
- Payday loans in Santa Ana
- Payday loans in Chula Vista
All 480 California cities, A to Z
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in California?
Yes. Payday lending is legal in California under the California Deferred Deposit Transaction Law and is regulated by the California Department of Financial Protection and Innovation (DFPI).
What is the typical payday loan APR in California?
The Center for Responsible Lending reported a typical APR of 460% on a $400 payday loan in California, using state regulator data (June 2023).
Where can I complain about a payday lender in California?
Contact the California Department of Financial Protection and Innovation (DFPI) and file a complaint with the Consumer Financial Protection Bureau.