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California Payday Loan

A payday loan is a short-term loan, usually used to take care of emergency expenses. It is generally repaid on or around the date of the borrower's next paycheck.

View our license and/or registration here.

Rates & Terms

Loan Amount

Up to $255

Loan Term

8 – 31 days

Fees

Lesser of $45 or $17.65 per $100 borrowed

Actual loan terms may vary based on applicant's qualifications. Your loan will be due on your next payday that falls between 8 to 31 days away. If your pay dates fall outside of this range, your loan will be due in 14 days. If you are paid by paper check, we will give you a grace period of one day to deposit your check.

How It Works

  1. Apply online in minutes.

  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day, if approved.

  4. Repay on your scheduled due date. You are free to repay early at any time with no penalty.

Fee Schedule and Annual Percentage Rate

Your loan fees will be a flat, non-refundable fee of the lesser of $45 or $17.65 per $100 borrowed. This translates to different annual percentage rates depending on your loan term. You can use the table below to see the cost and annual percentage rate of different amounts repaid over different periods.

CashNetUSA will charge a non-sufficient funds fee (NSF) of $15 one time per loan if you do not have enough funds in your account at the time your loan payment is due.

Repayment Period:

Finance Charge:

APR:

31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65
$17.65

207.81%
214.74%
222.15%
230.08%
238.60%
247.78%
257.69%
268.43%
280.10%
292.83%
306.77%
322.11%
339.07%
357.90%
378.96%
402.64%
429.48%
460.16%
495.56%
536.85%
585.66%
644.23%
715.81%
805.28%

31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48
$26.48

207.85%
214.78%
222.19%
230.12%
238.65%
247.83%
257.74%
268.48%
280.15%
292.88%
306.83%
322.17%
339.13%
357.97%
379.03%
402.72%
429.56%
460.25%
495.65%
536.96%
585.77%
644.35%
715.94%
805.43%

31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30
$35.30

207.81%
214.74%
222.15%
230.08%
238.60%
247.78%
257.69%
268.43%
280.10%
292.83%
306.77%
322.11%
339.07%
357.90%
378.96%
402.64%
429.48%
460.16%
495.56%
536.85%
585.66%
644.23%
715.81%
805.28%

31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13
$44.13

207.84%
214.77%
222.17%
230.11%
238.63%
247.81%
257.72%
268.46%
280.13%
292.86%
306.81%
322.15%
339.10%
357.94%
379.00%
402.69%
429.53%
460.21%
495.61%
536.92%
585.73%
644.30%
715.89%
805.37%

31 Days
30 Days
29 Days
28 Days
27 Days
26 Days
25 Days
24 Days
23 Days
22 Days
21 Days
20 Days
19 Days
18 Days
17 Days
16 Days
15 Days
14 Days
13 Days
12 Days
11 Days
10 Days
9 Days
8 Days

$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45
$45

207.78%
214.71%
222.11%
230.04%
238.56%
247.74%
257.65%
268.38%
280.05%
292.78%
306.72%
322.06%
339.01%
357.84%
378.89%
402.57%
429.41%
460.08%
495.48%
536.76%
585.56%
644.12%
715.69%
805.15%

Requirements to Apply for a CashNetUSA Loan

In order to be eligible for any CashNetUSA loan, you must meet our requirements:

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Governing Law

The loan agreement will be governed by the applicable laws of your state. Unresolved questions or complaints should be directed to your state's regulatory agency.

CNU of California, LLC d/b/a/ CashNetUSA is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law (License No. 1003271).

The licensee cannot use the criminal process against a consumer to collect any deferred deposit transaction.

Terms Explained

Amount Financed

This is the loan amount.

Example: Jane Smith is approved for a $200 loan. This $200 is the amount financed.

Due Date

Your due date is the date on which you must repay your loan. You may repay early with no penalty.

Example: Based on her pay schedule, Jane's loan will be due when she gets her next paycheck in 15 days.

Loan Fees/Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount financed.

Example: Because she borrowed $200, Jane's loan fee/finance charge will be $35.50.

Total of Payments

This is the sum of the amount financed and the finance charge. It is the total amount you must repay.

Example: Adding together her amount financed and finance charge, Jane’s total of payments comes to $235.30.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.