Cash Advance California


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Before you start your search for short-term funding in the Golden State, read on for up-to-date information on the state’s rules and regulations for this type of funding. Please note that we do not offer our loan connection service to those living in California.

California Cash Advance Regulations

Compared to other states, California has strict rules and regulations that cash advance lenders must abide by. When getting a cash advance in California, you’ll initially owe 15% in fees. You can only borrow up to $300, including loan fees, and you must pay the loan off within 31 days. Lenders cannot extend your loan. This means no rollovers.

In California, you are limited to one cash advance at a time. That means you can’t take out several cash advances at once. The lender is allowed to charge you a $15 NSF fee in the event that your check isn’t cashable at the end of your loan term. The lender is not allowed to take criminal action against you if you default on the loan.

Installment Loan Regulations for California

For information on higher dollar loans in California, please visit this page for more information.

California Cash Advance Lenders by City

California is home to some of the biggest cities in the country. These bustling cities are filled with cash advance lenders. If you’re looking for a cash advance, you might be overwhelmed by the number of options. That’s why we used Yelp to find a few lender locations for five of California’s biggest cities. We can’t guarantee that we have worked or currently work with any of these lenders. Please note that this list of lenders is being provided for informational purposes only.

  • Los Angeles – Cashback Advance (also offers check cashing, auto loans), Simple Loans (also offers check cashing), Westwood Check Cashing- Advance & Auto Title Loans (also offers check cashing and auto title loans), Pit Stop Check Cashing (also offers check cashing)
  • San Diego – DollarSmart Money Centers (also offers check cashing), Moneytree (also offers check cashing), Advance America Cash Advance (also offers check cashing), Check Advance of San Diego (also offers check cashing), USA Advance (also offers check cashing)
  • San Jose – Frontera (also offers check cashing and auto loans), California Check Cashing Stores (also offer check cashing), Advance America Cash Advance
  • San Francisco – Money Mart (also offers check cashing), Advance America (also offers check cashing), Cash Advance San Francisco (also offers check cashing), Reliance Title Loans (also offers auto title loans and check cashing)
  • Fresno – Now Advance (also offers check cashing), Allied Cash Advance, MVP Cash Advance (also offers check cashing and notaries)

These are just some of the options out there for cash advance loans in your area.

California Payday Loan Regulations

It is important to remember that short-term loans go by a few different names. The regulations listed above are the same for all small-dollar, short-term loans of this type. Here is a little more information about this product:

  • How Payday Loans Work – You get the money you need instead of having to wait until your next paycheck. When your check finally does come, money is automatically withdrawn from your account and paid to the lender.
  • Maximum Amount – You can only borrow up to $300 (and that includes the fees associated with the loan).
  • Repayment Extensions – In California, lenders are not allowed to extend these types of loans.

California State Economy

California, or The Golden State, has one of the biggest economies in the world. It can actually be compared to the economy of other major countries, even though it’s just one of America’s 50 states. The sectors that bring in the most money in California include manufacturing, real estate, trade, education, and health services. The current unemployment rate is at 6.4-percent.

Whether the economy is working for you or not, be sure you know the latest state regulations regarding cash advances before you borrow money in California.


* strives to present accurate information on each state’s regulations; however, we do not guarantee accuracy of data as presented. Please contact your state’s department of finance or visit your state’s official website for the most accurate information and inquiries. You can find your state’s site here:

California Laws by City

We’ve compiled city-specific information for the following California cities:

Los Angeles