Fast Online Payday Loan [ LOS ANGELES ]
Possible types of loans:
- $100, $200, $300, $400, $500, $600, $700, $800, $900, 1000 dollars are emergency payday loans in Los Angeles California USA, which are issued for a period of 1, 2, 3 or 4 weeks (until your next salaries).
- $1500, $2000, $2500, $3000, $3500, $4000, $4500, $5000 – Los Angeles, CA installment loans that can be taken out for terms of up to 2 years (most often 1, 6, 9, 12 or 3 months).
To get fast online cash advances (payday or personal loans, short-term loans, fast cash) with instant approval in Los Angeles, CA, USA, use our simple 5-minute application form! The money will be credited to your bank account within 24-48 hours (or faster) after approval.
Cash Advance Near Me :: Los Angeles California Direct Lenders (list of offline stores and agencies nearby)
| Company | Address | Phone |
|---|---|---|
| ACE Cash Express | 5609 Sunset Blvd, Los Angeles, CA 90028 | +1 323-461-2301 |
| Speedy Cash | 3447 E Cesar E Chavez Ave, Los Angeles, CA 90063 | +1 323-268-2825 |
| Advance America | 1008 N Vermont Ave, Los Angeles, CA 90029 | +1 323-953-4880 |
| Pacific Cash Advance | 8501 S Figueroa St, Los Angeles, CA 90003 | +1 323-750-3100 |
| ACE Cash Express | 11252 S Normandie Ave #103, Los Angeles, CA 90044 | +1 323-755-9274 |
| ACE Cash Express | 4948 W Pico Blvd, Los Angeles, CA 90019 | +1 323-964-1247 |
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About Payday Loans in Los Angeles California
When unexpected expenses hit before payday, many Angelenos turn to payday loans for quick cash. These short-term loans can provide immediate relief but come with significant risks. Here’s your complete guide to payday loans in Los Angeles.
How Payday Loans Work in Los Angeles
Payday loans are small-dollar, high-interest loans designed to be repaid by your next paycheck. In California:
- Typical loan amounts range from $100 to $300
- Loans are due in 2-4 weeks (usually by your next payday)
- No credit check required (bad credit is okay)
- Funds available same day or within 24 hours
California Payday Loan Regulations
Los Angeles lenders must follow strict state laws:
✔ Maximum loan amount: $300
✔ Maximum fee: 15% of loan amount ($45 on $300 loan)
✔ Maximum APR: 460% for 14-day $100 loan
✔ Loan term: Minimum 15 days, maximum 31 days
✔ No rollovers allowed – must pay in full before new loan
Despite these protections, payday loans remain one of the most expensive borrowing options.
Where to Get Payday Loans in LA
You can find payday lenders:
– Storefront locations (especially in Downtown LA, South LA, and the Valley)
– Online lenders (some offer instant approval and direct deposit)
Basic Requirements:
- California ID or driver’s license
- Proof of income (pay stub or benefits statement)
- Active checking account
- Be at least 18 years old
The True Cost of Payday Loans
While convenient, these loans are extremely expensive:
- A $300 loan costs $345 to repay in two weeks
- If extended, fees accumulate quickly
- Many borrowers get trapped in cycles of debt
Better Alternatives in Los Angeles
Before taking a payday loan, consider:
- Credit union payday alternative loans (PALs) – Lower rates, better terms
- Personal installment loans – Longer repayment periods
- Emergency assistance programs – LA has many nonprofits that help with bills
- Payment plans – Most utility companies and hospitals offer these
- Borrowing from family/friends – Interest-free option
Tips for Responsible Borrowing
If you must take a payday loan:
✅ Only borrow what you can repay on time
✅ Avoid taking multiple loans
✅ Read all terms carefully before signing
✅ Have a repayment plan in place
Where to Get Help in LA
If you’re struggling with payday loan debt:
- Los Angeles Consumer Affairs Department – 213-974-1452
- Nonprofit credit counseling – Try ClearPoint or Money Management International
- Legal aid – Neighborhood Legal Services of LA County offers free help
Remember: Payday loans should be an absolute last resort. Their high costs often create more financial problems than they solve. Always explore alternatives first.
