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California Payday Loans

Get up to $255, pay back on your next pay day.

Payday Loans Near Me

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California Payday Loans

When you’re in need of a cash loan, there are a few things you may want to consider:

  1. How much money do I need? Speedy Cash recommends that you only borrow what you need. If you borrow more money than you need, you could get in a situation where you can’t afford payments or can’t pay off your loan.
  2. How long do I need the money? This answer may be directly tied to how much money you need. Based on the amount you’re borrowing, how much time do you need to pay back the loan (plus any fees and/or accrued interest)?
  3. Can I afford the payments? Based on the fees that will be assessed for the money you borrow, can you pay back the loan accordingly to the terms set out in the loan agreement? If you’re not able to make the payments, you may want to consider alternate options.

Payday Loan

Finance Charges

Pay a flat fee for the amount borrowed


Pay in full upon receiving your next pay check

Loan Amount

Loans up to $255

What do I need to start an online payday loan application?

In addition to some very basic information like your address and ID number, you will need:

  • Email address

  • Steady source of income

  • Valid phone number

  • Bank account

Apply for Instant Cash Now*

If approved for a loan online, have your funds instantly deposited to your debit card.

Why Speedy Cash?

State Licensed

Speedy Cash is a licensed payday lender in the state of California. Why is a state license important? It means that we follow state regulations that limit the amount you can borrow and the amount of fees charged - no hidden fees, no surprises, and fully transparent terms.

Direct Lender

If you choose to apply for a payday loan online, then considering the type of lender you work with can be important. There’s no middle man, the entire loan process is done directly through Speedy Cash.

Cash Loans Since 1997

Did you know we opened our very first store in Riverside, CA? It’s true! Our roots are right here in California. And we’re proud to have served Californians since 1997.

Did you receive a reservation number in the mail? Click here to get started.

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding to a debit card is only available for online loans. Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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