Frequently Asked Questions: California Payday Loans

Our answers to your most frequently asked questions

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Payday Loan

Q: What is a California Payday Loan?

A California Payday Loan is a short-term, small-dollar loan provided to the residents of California. This loan is set up to be paid in full on your next pay date that falls between 8 and 31 days from the date of receiving the funds.

Q: What are the minimum requirements to apply for Online Payday Loans in California?

To qualify for a California Payday Loan, you must:

  • Be 18 years of age or older
  • Be a US citizen or Permanent Resident
  • Be a California resident
  • 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 active members of the US Armed Forces and their dependents.

Q: Where can I get a Payday Loan in California?

MoneyKey currently offers Payday Loans online to California residents. If you live in California, you may qualify for a MoneyKey Payday Loan. Whether you live in the busy cities of Los Angeles, San Diego, or in a quiet town such as Apple Valley, applying for a MoneyKey Payday Loan through our online platform is fast, secure, and easy. Click here to submit your online application.

Q: How much can I borrow?

MoneyKey offers a $255 Payday Loan to all eligible California residents. Whether an individual will be approved is dependent on certain qualification criteria. You can complete our online application form to find out if you qualify for a California Payday Loan. Click here to apply.

Q: How much will my Payday Loan cost in California?

Please visit the Rates and Terms page for more detailed product information.

Q: When do I receive my Payday Loan?

If your California Payday Loan is approved before 5:30 PM PST from Monday through Friday, or before 3:00 PM PST on a Saturday, Sunday or a Federal Holiday, the funds will be available in your bank account the following business day*.

*The date and time the funds are made available to you by your bank is subject to your bank’s policies.

Q: When is my Payday Loan due?

Your loan will be due on your next pay date that falls between 8 and 31 days after receiving the funds from MoneyKey.

Q: When can I apply for another loan?

You can apply for a loan on the same day you pay off your existing MoneyKey loan. Log in to your MoneyKey account and click on the ‘Reloan’ button to request another loan. 

If your previous loan payment is confirmed and your new loan is approved before 5:30 PM PST from Monday through Friday, or before 3:00 PM PST on a Saturday, Sunday or a Federal Holiday, the funds will be available in your bank account the following business day*

*The date and time the funds are made available to you by your bank is subject to your bank’s policies.

Q: Can I pay off my Payday Loan early?

Yes, you can pay off your loan in full before your due date without any penalty.

Q: Will you call my references?

If we need to get in touch with you about your account, but are unable to reach you, your references may be contacted. However, we will never disclose the nature of your business with MoneyKey to your references or employers.

Q: Do I need to fax or email in any documents?

In most cases, you will not need to fax or email us any documents; however, if we require additional information that we are unable to verify over the phone, we may ask that you send us documentation via fax or email.

Q: How do I check my account status?

Log in to your account to view your account status.

Q: How do I update my information? (Change in email address, mailing address, employment or banking information)

You can update your account information by calling 1-866-255-1668 and speaking with one of our friendly Customer Care Agents, who will be happy to update your information for you.

Q: Why am I not receiving emails from MoneyKey?

MoneyKey sends important emails regarding payment reminders, confirmations and promotions. To make sure you receive these emails please add customercare@moneykey.com to your address book.

If our emails are not making it into your inbox, please check your spam folder.

Additional Questions

If you have any additional questions, please contact us at 1-866-255-1668 or chat with us online, and one of our Customer Care agents will be happy to answer any questions you may have.

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