Online payday loans in Chico
Get $100 to $255 online without leaving Chico. Apply in minutes, see every fee up front, and get your money sent to your bank.
- Licensed in California
- Direct lender
- No impact to your FICO® Score
Payday loan calculator
(14 to 31 days)
Estimated costs. Your exact terms are shown before you sign.
Chico payday loans, made simple
Chico is the largest city in Butte County and home to Chico State. Households here earn a median of $66,977 a year, and the median rent is $1,488 a month. Even with a steady paycheck, one surprise expense can throw off the whole month.
Cash in Flash lets you apply online from anywhere in Chico, including Oroville, Paradise or Durham. You borrow $100 to $255, see your exact fee before you sign, and repay on your next payday.
Apply from ChicoHow to get a payday loan online in Chico
Three simple steps from anywhere in Chico.
Apply in minutes
Fill out a short form on your phone from anywhere in Chico. Most people finish in about 5 minutes.
Get a fast decision
Our team reviews your details quickly, and most decisions come within minutes.
Get your money
Once approved, we send the money straight to your bank account, often the same day.
Serving Chico and nearby communities
Apply online in minutes from Chico or anywhere around it.
Payday loan rates and terms in Chico
The same simple pricing everywhere in California: a flat 15% of the check amount, shown 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. California payday loan rules
- Loan amount
- $100 to $255
- Fee
- 15% of the check amount ($45 on $300)
- Due date
- Your next payday, 14 to 31 days
- Loans at a time
- One
- Returned payment fee
- Up to $15
Help and resources in Chico
Borrow with confidence. These free resources are here if you need them.
Dial 211
Free, confidential help finding local resources for food, housing, bills and more, from trained specialists.
California DFPI
The state regulator for payday lenders. Verify any lender's license or file a complaint.
Verify a license (866) 275-2677
Cash in Flash support
Questions about your application or your loan? Talk to a real person on our team.
Free money guides for Chico residents
Practical, California specific help for when money is tight.
Chico payday loan FAQ
Quick answers for Chico residents. Still have a question? Call us at (888) 999-9859.
Last updated October 2026
Can I get a payday loan online in Chico?▾
Absolutely. Cash in Flash is licensed in California by the DFPI (License #10DBO-84940) and lends online to Chico residents. The application takes about 5 minutes.
How much can I borrow in Chico?▾
You can borrow $100 to $255. The fee can be no more than 15% of the check amount, for example $45 to receive $255, and your exact fee and due date are shown before you sign.
How fast can I get money in Chico?▾
Most decisions come within minutes. After approval the money goes straight to your bank account, often the same day and usually by the next business day.
Do I need to visit a store?▾
Not at all. The whole loan happens online, and the money is sent straight to your bank account.
Do you serve areas near Chico?▾
Yes. We serve all of Chico and nearby communities like Oroville, Paradise, Durham, Orland and Hamilton City. Apply online from any of them.
Can I apply 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.
Where can I get free help with money problems in Chico?▾
Dial 211 for free, confidential help finding local resources for food, housing, bills and more.
What are the payday loan rules in California?▾
The check or payment you authorize can be at most $300, the fee can be no more than 15% of it, and the term can be no longer than 31 days. A lender cannot give you a new payday loan while one is still open (California Financial Code sections 23035 to 23037).