Online Payday Loans in California
Note: the California Payday Loan is no longer offered to new customers. If you still need funds, you may be able to find a loan product suitable for you from another company* by clicking ‘Continue’ below:
Please note that by clicking “Continue”, you are navigating away from the MoneyKey website to the website of an unaffiliated third party.
*MoneyKey does not promote or endorse any products and/or services offered by any company you may be directed to by clicking ‘Continue’, and does not assume responsibility or liability for any actions taken by you in relation to any such products and/or services.
Looking for a quick payday loan in California? MoneyKey would love to help you. You can use our California Payday Loans when you’re short on cash between paychecks and need money now. If you’re approved, we’ll typically deposit the funds in your bank account the next business day*.
MoneyKey is a state-licensed lender in California and will be funding your payday loan directly.
Whether you apply online, or call in to speak to our live agents, we treat your payday loan request with urgency and can approve your loan fast — some customers get approved within minutes. Our fully-staffed, friendly and knowledgeable Customer Care team is available 7 days a week to answer any loan-related questions you may have.
Loan Amount: $255
Loan Type: Payday Loan
Loan Term: 8-31 days
Funding: 1 business day*
Pre-Payment Available: Yes
How It Works
1. Submit Your Application
2. Get Approved
3. Get Money The Next Business Day*
MoneyKey offers California Payday Loans of $255. Complete our online application form and we’ll get back to you quickly to let you know if you’re approved.
Cost of Loan
The finance charge for this product is 17.64% of the amount borrowed. For MoneyKey’s Loan of $255, the total amount you’ll pay back is the principal amount of $255 plus a finance charge of $44.98, resulting in a total repayment amount of $299.98. You’ll see this cost breakdown in your loan agreement.
This loan is an expensive form of credit and is not intended to meet long-term financial needs. MoneyKey urges you to use this product responsibly.
Term of Loan
Your payday loan is due in full on your next payday. This can be any time between 8 and 31 days after you receive the funds, depending on your pay frequency.
Please see table below for examples of this product, including annual percentage rates (APRs). Note that “Amount of Check” refers to the total amount due. At this time, MoneyKey only offers a $255 Payday Loan.
|Amount Provided||Finance Charge||Amount of Check||14-Day APR||30-Day APR|
Please note that MoneyKey cannot use the criminal process against a consumer to collect on any deferred deposit transaction.
MoneyKey is a direct lender in California, licensed by the Department of Business Oversight pursuant to California Deferred Deposit Transaction Law License No. 1004516. All loans are funded by MoneyKey – CA, Inc.
Click below to view our California license.
Online Payday Loans in California: Frequently Asked Questions
How do I qualify for a loan?
To qualify for a MoneyKey Payday Loan in California, you must:
- Be at least 18 years old
- Be a US citizen or a permanent resident
- Be a resident of California
- Have an active bank account
- Have a regular source of income
- Have a valid contact number and an active email address
Please note that we currently do not offer credit products with rates that allow us to lend to covered members of the US armed forces and their dependents.
Can I get same day funding?
If you’re approved, we’ll typically deposit the money in your account the next business day*.
Can I pay my loan off early
I don’t live in California, can I still apply for an online payday loan?
The California Payday Loan is only issued to California residents. Whether you live in big cities like Los Angeles or San Diego, or in a smaller town like Apple Valley, we make applying for online Payday Loans in California fast and secure.
If you don’t live in California, we may be able to help you with other credit products. Please check our rates page to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.