Payday Loans in California

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California allows payday loans up to $300 with 15% max fee ($45).

48 Cities Covered

Max Loan: 00

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39,029,342

Population

48

Cities Covered

00

Max Loan Amount

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California Payday Loan Regulations

Max Loan Amount:$300

Max Term:31 days

Typical APR:460% (15% max fee)

Finance Charge:$45 maximum (15% of principal)

Regulatory Body:Department of Financial Protection and Innovation (DFPI)

Payday loans in California are capped at $300 with a maximum 15% fee ($45). Lenders must be licensed by DFPI.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

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