Ever need a payday ?

Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.

These are the rules, laws and regulations of payday loans in California.

California Payday Loan Laws & Legislation State Information

The Legal Status of payday loans : Legal

Citation:
Cal. Fin. Code §§ 23000 to 23106

Payday Loan Terms:

Maximum Payday Loan Amount: $300
Payday Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 payday loan: $17.65
APR for 14-day $100 payday loan: 459%

Payday Loan Debt Limits:

Maximum Number of Outstanding Loans at One Time: 1
Rollovers Permitted: None
Cooling-off Period: None
Repayment Plan: Voluntary – no fees can be charged in conjunction with a payment plan

Payday Loan Collection Limits:

Collection Fees: $15 NSF fee
Criminal Action: Prohibited

Regulator: California Department of Corporations

Address:
Financial Services Division
1515 K Street, Suite 200
Sacramento CA 95814
Phone: (866) 275-2677

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