California Payday Loan Rates & Terms
California Speedy Cash loan agreements are governed by the State of California.
View example finance charges.
Advance Amount: (amount financed) |
$100 |
Finance Charge: (cost of loan) *Assuming all payments are made as scheduled |
$17.65 |
Check Amount: (principal plus finance charges) |
$117.65 |
APR**: | 460.16% APR for a 14-day loan term 214.74% APR for a 30-day loan term |
**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APRs are based on example loan terms of one payment ("Check Amount") due in 14 or 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
Online Payday Loan Questions
How much money can I get?
Residents of California may be eligible to receive up to $255 with an online payday loan from Speedy Cash.
When will I have to pay back my loan?
A payday loan is only meant to satisfy your short-term cash needs and will be due to be paid back on your next pay day.
Can I get an extension on my loan?
In accordance with California law, your loan must be paid in full on your due date. If you find yourself in need of more money, you may re-apply once your previous balance in paid in full.
No criminal prosecution: You cannot be prosecuted or threatened with prosecution in a criminal action for a returned check in connection with a deferred deposit transaction.
Returned check charge: If, after deposit, your check is returned to us unpaid, you will be charged a one-time returned check charge of $15.
California Department of Financial Protection & Innovation Brochure (English)
Folleto del Departamento de Protección e Innovación Financiera (Español)
California Speedy Cash loan agreements are governed by the State of California.
View example finance charges.
Bi-Weekly Payment Schedule | Monthly Payment Schedule | |
---|---|---|
Advance Amount: (the amount of credit provided to you): |
$3,000 | $3,000 |
Number of Payments: | 52 | 24 |
Payment Amount: | 51 payments of $83.27 1 payment of $83.62 |
23 payments of $181.43 1 payment of $181.36 |
Finance Charge: (the dollar amount the credit will cost you) |
$1,330.39 | $1,354.25 |
Total of Payments: (the amount you will have paid after you have made all payments as scheduled) |
$4,330.39 | 4,354.25 |
Loan Origination Fee: | $75 | $75 |
Early Payoff Fee: | None | None |
APR**: | 38.69% | 38.68% |
**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 52 installments due over 24 months. | **Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 24 installments due over 24 months. |