Payday Loans in

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 Online Payday Loans in California

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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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
$100 $17.64 $117.64 459.88% 214.61%
$200 $35.28 $235.28 459.88% 214.61%
$255 $44.98 $299.98 459.88% 214.61%

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 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?

    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.

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

We’ve helped over 250,000 customers.

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