Skip to main content

Apply for Payday Loans in California

Finger Finance is here to help you find the best payday loans in California, whether you are based in Los Angeles, San Francisco or San Diego. You can borrow $100 to $35,000 repaid over 1 to 60 months, get an instant decision and funded within the same day of applying. And yes, we do consider bad credit scores too!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

How to Apply for Payday Loans in California
From Finger Finance

Payday-loans-California-broker

Step One: Complete Your Details

Enter your details using our online form in less than 5 minutes – and make sure you give accurate information for a smooth process!

Reputable-California-payday-loans-lenders

Step Two: Get an Instant Decision

We will match your application with our partner lenders and you will get a personalised loan offer instantly on the screen. If you wish to proceed, you will be sent a loan agreement to eSign

Soft-search-for-payday-loans

Step Three: Receive Your Loan

Once fully checked and approved by your lender, you can receive funds to your bank account in 1 hour, 24 hours or the next business day!

How Does Finger Finance Find Lenders in California?

The Right Lender

Finger Finance only works with lenders that can be trusted. This means that we know they are lending responsibly. Every time you put in an application we analyze our panel of lenders and find the right loan for you.

Soft Credit Check

All Finger Finance loans are soft search, meaning that we will look at your background on the basis of your credit record. We will never leave any visible footprint on your credit report through our search.

Responsible

Finger Finance is a broker, not a direct lender. This means that we can find the most affordable loan for you. Even if you have an imperfect credit history, we will always try to help you.

Payday-loans-in-California

What Are The Regulations for Payday Loans in California?

Are Payday Loans Legal? Yes
Maximum Loan Amount $300
Minimum Loan Term Not specified
Maximum Loan Term 31 days
Interest Rate (APR) 460% maximum
No. of Rollovers Allowed 0
No. of Outstanding Loans Allowed 1
Finance Charges $17.64 per $100.00 – 15% of the amount advanced (up to $45)
Cooling Off Period 1 day

What is the Eligibility Criteria for a Payday Loan in California?

In order to qualify for a loan from Finger Finance in California you must meet the following:

  • Be at least 18 years of age or older
  • Be a U.S. resident
  • Have a cell phone
  • Have a checking account
  • Have a consistent income and be earning at least $800 per month

Can I Get a Payday Loan in California With a Poor Credit History?

​​Yes, you can get a payday loan in California with a poor credit history.

Finger Finance are willing to accept all credit histories, including poor credit. A poor credit score will not stop you from getting a payday loan.

How Much Does a $100 Payday Loan in California Cost?

If you were to borrow $100 in California at the maximum APR rate of 460% over the maximum duration, 31 days, with finance charges of $17.64, the total cost would be $133.08. This works out as a monthly interest rate of 38%.

Why is the APR for Payday Loans in California so High?

The APR for payday loans is high across all states because payday loans operate on a short-term basis and are considered by lenders to be high risk.

This is because payday loans are usually unsecured, offered to customers with any type of credit history, short-term, and not usually repaid in the first instance.

Where Can I Get a Payday Loan in California?

You can apply online through Finger Finance to receive a payday loan in the following cities within California below:

Alameda
Alhambra
Alta Loma
Altadena
Anaheim
Anderson
Antioch
Apple Valley
Arcadia
Arcata
Arleta
Arroyo Grande
Artesia
Arvin
Atascadero
Atwater
Auburn
Azusa
Bakersfield
Baldwin Park
Banning
Barstow
Bay Point
Bell
Bell Gardens
Bellflower
Belmont
Benicia
Berkeley
Bermuda Dunes
Beverly Hills
Big Bear Lake
Bloomington
Blythe
Brawley
Brea
Brentwood
Buena Park
Burbank
Burlingame
Cabazon
Calexico
Camarillo
Campbell
Canoga Park
Canyon Cntry
Canyon Country
Canyon Lake
Capitola
Carlsbad
Carmichael
Carson
Caruthers
Castro Valley
Cathedral City
Ceres
Cerritos
Chatsworth
Chico
Chino
Chowchilla
Chula Vista
Citrus Heights
City Of Industry
Claremont
Clearlake
Clovis
Coalinga
Colton
Colusa
Compton
Concord
Corning
Corona
Costa Mesa
Cotati
Covina
Crescent City
Crestline
Cucamonga
Cudahy
Culver City
Cupertino
Cypress
Daly City
Delano
Desert Hot Springs
Dinuba
Downey
Duarte
Dublin
E Rncho Dmngz
El Cajon
El Centro
El Cerrito
El Granada
El Monte
El Segundo
El Sobrante
Elk Grove

Emeryville
Encinitas
Encino
Escondido
Eureka
Fairfield
Fallbrook
Folsom
Fontana
Fort Bragg
Fortuna
Fountain Valley
Freedom
Fremont
Fresno
Fullerton
Galt
Garden Grove
Garden Valley
Gardena
Gilroy
Glendale
Glendora
Granada Hills
Grass Valley
Greenbrae
Gridley
Grover Beach
Hacienda Heights
Hanford
Harbor City
Hawaiian Gardens
Hawthorne
Hayward
Hazard
Heber
Hemet
Hercules
Hesperia
Highland
Hollister
Hollywood
Huntington Beach
Huntington Park
Imperial Beach
Indio
Inglewood
Irvine
Jackson
King City
Kings Beach
Kingsburg
La Habra
La Jolla
La Mesa
La Mirada
La Puente
La Verne
Lake Elsinore
Lake Forest
Lakeport
Lakeside
Lakewood
Lancaster
Lawndale
Lemon Grove
Lemoore
Lincoln
Lindsay
Livermore
Livingston
Lodi
Loma Linda
Lomita
Lompoc
Long Beach
Los Alamitos
Los Angeles
Los Banos
Lynwood
Madera
Manteca
Marina
Marina Del Rey
Martinez
Marysville
Maywood
Menifee
Menlo Park
Merced
Middletown
Milpitas
Mission Hills
Mission Viejo
Modesto
Monrovia
Montclair
Montebello
Moorpark
Moreno Valley

Morgan Hill
Morongo Valley
Morro Bay
Mountain View
Murrieta
Napa
National City
Newark
Newport Beach
North Highlands
North Hills
North Hollywood
Northridge
Norwalk
Novato
Oakdale
Oakhurst
Oakland
Oceanside
Ontario
Orange
Orangevale
Orland
Oroville
Oxnard
Pacifica
Pacoima
Palm Desert
Palm Springs
Palmdale
Palo Alto
Pamona
Panorama City
Paradise
Paramount
Pasadena
Paso Robles
Patterson
Perris
Petaluma
Pico Rivera
Pinole
Pismo Beach
Pittsburg
Placentia
Placerville
Pleasant Hill
Pomona
Port Hueneme
Porterville
Poway
Ramona
Rancho Cordova
Rancho Cucamonga
Rancho Mirage
Red Bluff
Redding
Redlands
Redondo Beach
Redwood City
Reedley
Reseda
Rialto
Richmond
Ridgecrest
Rio Linda
Ripon
Riverside
Rncho Cordova
Rocklin
Rohnert Park
Rosamond
Rosemead
Roseville
Rowland Heights
Sacramento
Salinas
San Bernardino
San Bruno
San Clemente
San Diego
San Dimas
San Fernando
San Francisco
San Gabriel
San Jacinto
San Jose
San Jose
San Juan Capistrano
San Leandro
San Luis Obispo
San Marcos
San Mateo
San Pablo
San Pedro
San Rafael
San Ramon
San Ysidro
Sanger
Santa Ana

Santa Barbara
Santa Clara
Santa Clarita
Santa Cruz
Santa Fe Springs
Santa Maria
Santa Monica
Santa Paula
Santa Rosa
Santee
Saratoga
Seaside
Sebastopol
Selma
Sherman Oaks
Simi Valley
Sonora
South Dos Palos
South El Monte
South Gate
South Lake Tahoe
South San Francisco
Spring Valley
Stanton
Stockton
Studio City
Suisun City
Sun City
Sun Valley
Sunland
Sunnyvale
Susanville
Sylmar
Taft
Tarzana
Tecate
Tehachapi
Temecula
Temple City
Thousand Oaks
Torrance
Tracy
Tulare
Turlock
Tustin
Twentynine Palms
Ukiah
Union City
Upland
Vacaville
Valencia
Vallejo
Valley Village
Van Nuys
Venice
Ventura
Venture
Victorville
Visalia
Vista
W Hollywood
Walnut
Walnut Creek
Wasco
Watsonville
West Covina
West Sacramento
Westminster
Westwood
Whittier
Willits
Willows
Wilmington
Windsor
Winnetka
Woodland
Woodland Hills
Yorba Linda
Yreka
Yuba City
Yucaipa
Yucca Valley

Why Choose Finger Finance?

  • Easy online enquiry process
  • Borrow anywhere from $100 – $5,000
  • Get the money in one lump sum on the day you enquire
  • Get an instant decision online
  • Repay early anytime to save money
  • Enquiring is free and doesn’t affect your credit score

FAQs

How Do Repayments Work?

How repayments work depends on how long the money will need to be borrowed for. If you are taking out a short-term loan between 2 to 4 weeks, you will repay your loan in one final repayment at the end of the loan. Whereas, if you have chosen a longer-term loan, which we offer up to 5 years, then you will repay your loan in equal instalments every month. With Finger Finance you can also repay early at anytime to save money on the interest on your loan.

What are the Upfront Fees?

There are no upfront fees when using Finger Finance. Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

How Fast Can I Receive the Funds?

If you are approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Finger Finance could be perfect for you.

How Much Can I Borrow in California?

Payday loan amounts range from $100 to $35,000 although California state law prohibits loans of more than $300.

Is Finger Finance a Direct Lender or Broker?

Finger Finance is a payday loan broker. This means that we will not pay you the funds directly but will instead work with our panel of lenders to get you the best possible rates in California. We will pass your details on to the lender that is best suited to your circumstances.