Same day payday loans online in California
Apply in about 5 minutes from your phone. If you are approved and choose instant funding, your money can be on your debit card the same day, often within minutes.
- 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.
Two ways to get your money
Pick how you want to be paid once you are approved. Instant funding is the fastest way to get your money today.
Instant funding to your debit card
We send your loan straight to your debit card. It is often there within minutes.
- May be available within 30 minutes of approval and verification, or up to 4 hours
- $0 instant funding fee
- Your card issuer may have its own fees or limits
Direct deposit to your bank
We deposit your loan into your checking account.
- Approved by 6 p.m. PT Monday to Friday? You will generally get it the next business day
- Bank holidays move it to the next banking business day
- Nothing extra to set up
Funding times vary based on your bank. For online loans, approval and funding may require verification of your application, which can extend funding up to two days. See the notes at the bottom of this page.
How to get your money as soon as today
Four simple things give you the best chance at same day funding.
Apply early in the day
Approval and verification take time, and bank deposits only move on banking business days.
Have your details ready
A valid ID, proof of income, your bank account and your Social Security number.
Answer every question
Complete, accurate details are verified faster. Missing details are what slow funding down.
Choose instant funding
Once you are approved, add your debit card from the secure link we email you.
Same price, however fast
Getting your money today does not cost more. You pay one flat fee of 15% of the check amount, shown before you sign, and a $0 instant funding fee.
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
- Instant funding fee
- $0
- Returned payment fee
- Up to $15
Same day loans across California
Apply online from anywhere in the state. Find local help and details for your city.
Same day payday loan FAQ
Straight answers before you borrow. Still have a question? Call us at (888) 999-9859.
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Can I get a payday loan the same day?▾
Yes, if you are approved. Choose instant funding to your debit card and your money may be available within 30 minutes of approval and verification, or up to 4 hours. If you choose a bank deposit and are approved by 6 p.m. PT Monday to Friday, you will generally get it the next business day.
How does instant funding work?▾
Once you are approved, we email you a personal, secure link to add your debit card. When your card is verified, we send your loan straight to it, and it is often there within minutes.
Does instant funding cost extra?▾
No. We do not charge an extra fee to send your loan to your debit card. Your card issuer or bank may have its own fees or limits.
Is same day funding guaranteed?▾
No lender can promise an exact time. Funding depends on when you are approved, on verifying your information, and on your bank or card issuer. If we need extra time to verify your details, funding can take up to two days.
What time should I apply to get money today?▾
The earlier the better. Approval and verification take time, and bank deposits only move on banking business days, so applying in the morning gives you the most time to get your money today.
How much can I borrow?▾
You can borrow $100 to $255. The fee is 15% of the check amount, so you receive $255 and repay $300. Your exact fee and due date are shown before you sign.
Will applying affect my credit?▾
Applying will not affect your FICO® Score. We may use information from a consumer reporting agency, and the inquiry may show on your profile with that agency, but it will not impact your FICO Score.
Can I get a same day payday loan with bad credit?▾
You can apply with bad credit. We look at more than your credit score, including your income and your ability to repay.
Are you a direct lender?▾
Yes. Cash in Flash is the lender, not a broker or a lead site, so your application stays with us from start to finish. We are licensed by the California DFPI, License #10DBO-84940.