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How much am I eligible to borrow with an online loan in California?

Your Loan Limit is based on your net income, after all taxes and deductions.
As of 2021, qualified borrowers can borrow $50.00 with their first payday loan. Once your first loan is repaid, you may loan up to $500 based on your net income.

How do I use your website?

Visit and log in using your Social Security Number and Home Phone Number. Once you’re in, you will be able to make a loan request, check the status of your loan and even view the documents you have sent us. For more detailed information on how to use our website, please click here

Will you need to call my employer?

We will need to verify your employment. The quickest way to do this is by calling your employer to verify the updated employment information. We will be discreet and no information regarding your business with our company will be given.

How long can I have the funds for?

All loans are due back on your next payday. This can be a maximum period of 14 days. If you still feel strapped for cash on the day your loan is due back, you can request a re-loan on the very same day.

How do I pay back the loan?

We automatically debit the loan amount, plus our cash advance fees from your account. This is done via a preauthorized debit directly from your account. The funds come out of your account the same way that they went in. This way there are no extra costs from us, nor from your bank.

What is an Instant Reloan?

An Instant Reloan is a loan that you can apply for on the same day as your first loan has been paid in full, including all loan fees.  Once your application is processed your loan can be issued the same day, which will reach your account as early as the next business day. 

In order to get an instant loan in California, you must send in a copy of your bank statement showing that your full payment has been processed.

Do I need to be paid by direct deposit?

Yes, in order to qualify you must receive your paycheck by direct deposit.

I’m paid by Social Security, do I qualify?

You must be actively employed in order to qualify for an online loan with Types of income we do not accept are: Social security, Retirement Pay, Commission only, nor those paid only by mileage.

Do I need to fax any documents?

You are not required to fax in any documents, providing that all information needed to issue your loan can be obtained.

How to send your documents?

You can send your documents via Fax or Email.
To see how to send your documents click here

What formats are acceptable when sending documents?

If you are e-mailing any documents, please note that we do accept the following formats: .bmp, .jpg, .jpeg, .gif, .png, .jfif, .jif, .jpe, .tiff, .tif, .pdf, and .iff. When faxing/e-mailing any documents to us, please ensure that your name and social security number are clearly written on the fax/e-mail to avoid any delay in processing your documents.

Can I make payments on my loan?

At we do not offer Refinancing or rollovers on our loans, but we do offer a same day loaning process. This means that once your loan is paid back in full, you are able to make a loan request and have the loan issued out the same day.

How can I contact you?

For more information, click here.

What are you hours?

For more information, click here.

Do you perform credit checks? may need to verify some of your information against several national databases such as CL Verify and Teletrack. This is done more to ensure your identity and security. Certain states like California, limit the amount of data that a lender can use to track your credit history.

I have Questions not answered here!

If you have any additional questions that have not been answered, please give as a call at 1-866-6 PAYDAY and one of our friendly customer service representative agents will be happy to assist you with a payday loan application.

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