Payday Loans California

Rates and Terms

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PayDay Loan

About the MoneyKey Online Payday Loan in California

A MoneyKey Online Payday Loan provides you with all the benefits of a traditional storefront Payday Loan, in addition to the speed, convenience, and privacy of applying from the comfort of your own home. It is a short-term, small-dollar loan that is set up to be paid in full, along with a finance charge, on your next payday.

How much can I borrow?

MoneyKey offers a $255 Payday Loan to California residents. Whether an individual will be approved for a loan is dependent on certain qualification criteria. You can check your eligibility by submitting your online application here.

When do I pay back my Payday Loan?

The total balance of your loan will be due on your next payday. The total balance of your loan will be equal to your principal loan amount plus the applicable finance charge. Your due date will fall between 8 and 31 days from the date you received your funds.

How much will my Payday Loan cost in California?

The finance charge for this product is $17.64 per $100 of the amount borrowed. Please see the table below for representative examples of this product, including annual percentage rates (APRs).

Amount ProvidedFeeAmount of Check/Total Amount Due14-day APR*30-day APR*
$100.00**$17.64$117.64459.88%214.61%
$200.00**$35.28$235.28459.88%214.61%
$255.00$44.98$299.98459.88%214.61%

* Annual Percentage Rate (APR) is the finance charge of your loan expressed as a yearly rate.
**Please note that we currently only offer payday loans in the amount of $255.

Are there any additional charges for online Payday Loans in California?

No. There are no additional charges beyond what has been disclosed here.

Can I cancel my loan?

Yes. You can cancel your loan at no cost within three (3) business days of the effective date of your agreement by phone 1-866-255-1668 or via email at customercare@moneykey.com.

If you cancel your loan, you will be responsible for returning the original loan amount back to us before the end of the 3rd day, otherwise your loan will remain outstanding and you will be responsible for paying the total payment amount disclosed in your loan agreement.

Who funds the Payday Loans in California?

All loans are funded by MoneyKey – CA, Inc.

I have a few more questions about Payday Loans in California.

For additional questions, more information about this online Payday Loan, or concerns about our product, please call our Customer Care team at 1-866-255-1668, or check out the frequently asked questions (FAQs) for this product.

Authority to Operate and Other Important Information

In the State of California, MoneyKey is licensed by the Department of Business Oversight pursuant to California Deferred Deposit Transaction Law. Our California licenses can be viewed by clicking the image below.

Loan agreements will be governed by applicable laws of the State of California.

Please note that MoneyKey cannot use the criminal process against a consumer to collect any deferred deposit transaction.

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