Payday Loans in California

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Online Payday Loans in California

Note: the California Payday Loan is no longer offered. If you still need funds, you may be able to find a loan product suitable for you from another company* by clicking “Continue” below:


Installment Loans and Lines of Credit between $200 and $3,500 are offered through MoneyKey in several other states. These are alternatives to traditional payday loans that are payable on your next pay date.

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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

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How It Works

1. Submit Your Application

2. Get Approved

3. Get Money The Same Business Day*

Excellent  4 stars

Loan Details

Loan Amount

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.

California Disclosures

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.

State License

MoneyKey is a direct lender in California, licensed by the Department of Financial Protection and Innovation 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.

California payday loan state 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?

    Absolutely. You can make a partial or full payment on your California Payday Loan before your due date without any penalty. Simply call us at 1-866-255-1668 or email

  • 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.

Have more questions? Please refer to our general FAQ page or contact our Customer Care team at 1-866-255-1668.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.