Apply online in minutes
Receive an immediate decision**
Get money the next business day*
From San Diego to Crescent City, emergencies can take you by surprise no matter where in California you live. And when funds are tight, you might not have time to wait until your next paycheck.
CashNetUSA’s online payday loans are designed to help Californians get the funds they need to cover urgent and necessary expenses as quickly as possible. To make that process as easy and stress-free as possible, we use a streamlined online application that you can complete at home or on a mobile device.
Based on California law, we offer payday loans up to $255. If your next payday falls between 8 and 31 days after you take your loan out, your repayment will be due on that payday. If your next payday is more than 31 days away or is in less than 8 days, your loan will be due 14 days after you take it out.
Finance charges — the money you repay in addition to the amount you borrow — are $17.65 per $100 borrowed. That means that the most you can pay in finance charges is $45, the charge when you borrow the maximum $255.
Head to our Rates & Terms page for more information about our California payday loans.
If you decide that you want to apply for a CashNetUSA payday loan, the first thing you should do is check that you meet the basic requirements:
You must be 18 or older1
You must have been employed for at least one month
You must have an active checking account
You must be a U.S. citizen or permanent resident
If you meet these requirements, you can apply today!
Our simple application can usually be completed in minutes. First, you have to provide some basic personal information like your name and address. After that, we ask for your employer and bank account information, which we use to help verify your financial situation.
Finally, we run your application and get back to you with a decision. In most cases, we can tell you if you’re approved instantly!** And if you’re approved, your money can be in your account as early as the next business day.*
CashNetUSA is a state-licensed lender with over 10 years of lending experience. In California, we are a direct lender of payday loans. If you have any more questions about us, your application or your loan, check out our FAQs page where we answer many of our customers’ most common questions. And if you have other questions, you can contact us by email, phone or online chat.
CNU OF CALIFORNIA, LLC d/b/a CashNetUSA is licensed in California by the Commissioner of Business Oversight (California Financing License No. 603H010 and California Deferred Deposit Originator License No. 1003271).