Online payday loans in California
Borrow $100 to $255 from your phone, wherever you live in California. Fast decisions, clear fees, and money sent straight to your bank.
- Licensed in California
- Direct lender
- No impact to your FICO® Score
Payday loan calculator
(up to 31 days)
Estimated costs. Your exact terms are shown before you sign.
Payday loans in every corner of California
From Redding to San Diego, you can apply online from home. Pick your area for local details.
Tap a dot to see your city.
Los Angeles County17 cities
Inland Empire12 cities
San Diego County6 cities
Bay Area6 cities
Sacramento Region7 cities
Central Valley13 cities
Central Coast5 cities
Coachella and Imperial Valleys4 cities
How to get a payday loan online in California
No store visit and nothing to print. Three simple steps from wherever you are.
Apply in minutes
Answer a few questions from your phone or computer. It takes about 5 minutes and won’t affect your FICO® Score.
Get a fast decision
We review your application right away. Most decisions come within minutes.
Get your money
Once approved, we send the money straight to your bank account, often the same day.
California payday loan rates and terms
Your fee is a flat 15% of the check amount, the most California allows, and it is the same at every loan size. You see your exact fee, total and due date before you sign.
Example APR: $255 for 14 days with a $45 fee is about 460% APR. Payday loans are meant for short term needs.
- Loan amount
- $100 to $255
- Fee
- 15% of the check amount ($45 on $300)
- Due date
- Your next payday, up to 31 days
- Loans at a time
- One
- Need more time?
- No extra fee to extend
- Returned payment fee
- Up to $15
Why Californians choose Cash in Flash
Licensed in California
Licensed by the DFPI under the California Deferred Deposit Transaction Law, License 10DBO-84940.
Decisions in minutes
Apply in about 5 minutes and get your answer fast, without the paperwork.
No surprises
Your fee, total and due date are shown before you sign. What you see is what you pay.
Real people who help
Questions about your loan? Call (888) 999-9859 and talk to our team.
What our customers say
Real reviews from Cash in Flash customers on Google.
“Very nice owner and very reliable service with reasonable payment options.”
“It’s rare to find a company that has such excellent customer service.”
“The staff is great!”
California payday loan FAQ
Straight answers about borrowing in California. Still have a question? Call us at (888) 999-9859.
Borrow with confidence
Every payday lender serving Californians must be licensed by the DFPI. Ours is License #10DBO-84940.
Verify a license Contact the DFPI at (866) 275-2677
Learn before you borrow
How payday loans work Alternatives to payday loans Responsible borrowing tipsLast updated October 2026
Are online payday loans legal in California?▾
Yes, when the lender holds a license from the California Department of Financial Protection and Innovation (DFPI). Cash in Flash is licensed under the California Deferred Deposit Transaction Law, License #10DBO-84940.
How much can I borrow?▾
You can borrow $100 to $255. California caps the check or payment you authorize at $300, which includes the fee.
Is a payday loan the same as a cash advance?▾
Yes. In California a payday loan is also called a cash advance or a deferred deposit transaction. It is a small, short term loan that you repay on your next payday. Cash in Flash offers payday loans of $100 to $255 online to California residents.
How much does a payday loan cost in California?▾
The fee can be no more than 15% of the check amount. For example, you receive $255 and repay $300, a $45 fee. Your exact fee and due date are shown before you sign.
What are the payday loan laws in California?▾
Payday loans in California are governed by the California Deferred Deposit Transaction Law. The check or payment you authorize can be at most $300, the fee can be no more than 15% of that amount, and the term can be no longer than 31 days. A lender cannot give you a new payday loan while one is still open, cannot charge more than $15 for a returned payment, and cannot charge extra for an extension or payment plan (California Financial Code sections 23035, 23036 and 23037).
How fast will I get my money?▾
Once you are approved, we send the money to your bank account. Many customers receive it the same day, and most by the next business day.
Can I get a payday loan with bad credit?▾
Yes, you can apply. We look at more than your credit score, including your income and ability to repay. Applying will not affect your FICO® Score.
Is Cash in Flash a direct lender?▾
Yes. We make the loan ourselves, and we never sell your information to third parties. Cash in Flash is a trade name of Dhan Corporation, licensed by the California DFPI.
Can I have more than one payday loan at a time?▾
Not with the same lender. California law does not allow a lender to give you a new payday loan while you still have one open.
What if I cannot repay on time?▾
Call us before your due date at (888) 999-9859. California law lets a lender give you more time or a payment plan at no extra cost, and we will go over your options with you.
Do I have to live in California?▾
Yes. Our loans are for California residents only. You can apply online from any city in the state.