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!
Apply for Payday Loans in California
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
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!
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
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.
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.
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:
Big Bear Lake
City Of Industry
Desert Hot Springs
E Rncho Dmngz
Marina Del Rey
San Juan Capistrano
San Luis Obispo
Santa Fe Springs
South Dos Palos
South El Monte
South Lake Tahoe
South San Francisco
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
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.