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California is home to nearly 40 million people and a vibrant state economy. In times of emergency, Californians in need can take out cash advances.
Keep reading to learn how to get a cash advance in California, including the relevant laws and requirements.
We’ll work with you to find the perfect loan solution to fit your needs.
Same-day money
Instant approval decision
Option to deposit money to debit card
Flexibility to apply online
Paperless experience — no paper check required
Bad credit, poor credit or good credit? All credit levels can apply.
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Fill in the online inquiry form
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Get connected with a third-party lender
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Cash in hand or in your bank account
A cash advance loan is a type of personal loan that must be paid after the loan term, typically within a few weeks.
California residents should know these important details regarding cash advance loans:
Californian borrowers must meet the following requirements:
Our experienced network of third-party lenders can assist borrowers for a quicker and more straightforward loan process.
Simply fill in our inquiry form, and one of our lenders will contact you after pre-approval to assist.
Besides cash advance and payday loans, these are other common loan types:
Keep these in mind when deciding which loan you need:
A cash advance with bad credit is possible in California, as many cash advance lenders may not perform a credit check.
Instead, they will primarily focus on the borrower's ability to repay on time.
California payday loans have one of the highest APRs in the country, and the additional fees and short duration may take a financial toll.
Below is some pertinent information on their legality.
California's Department of Financial Protection and Innovation (DFPI) states that all lenders must be licensed and comply with the $300 loan rule.
California law has made efforts to protect active military service members and their dependents.
The Military Lending Act caps interest rates on personal loans to 36%. The act also removes mandatory waivers for legal rights, early repayment penalties, and mandatory military allotments for loans.
The state's code of regulations requires all lenders to mail physical proof of the transaction, enhancing transparency.
California Code of Regulations Title 10, Chapter 3 Section 901.6 states: "The disclosures shall be presented to the recipient as a separate document from any other contract, agreement, or other disclosure document provided to the recipient."
Many short-term loans in California are done electronically, and an instant cash advance online is possible with our third-party lenders.
Start the process today by filling out our easy-to-use inquiry form and get your requested loan amount quickly.
This section covers common questions on cash advances and payday loans.
When searching for great cash advance loans, check that it has these characteristics:
Full transparency and disclosure
Follows California regulations
Quick processing times
Reasonable fees and interest rate
DFPI's regulations guarantee all registered lenders can only issue one loan at a time to a borrower. Even if the new proposed loan and current loan's balance combined is less than $300, a lender cannot issue another loan.
Payday loans are another term for cash advance loans.
Similar to a cash advance loan, a payday loan supplies borrowers with quick funds for personal expenses or emergency repairs.
A cash advance loan is a short-term loan sometimes referred to as a payday loan. These loans are typically for two-to-four week period and can be expensive. Therefore, they should be used for short-term financial needs only and not as long-term financial solution. Consumers with credit difficulties should seek credit consulting before entering any loan transaction.
superbcashadvance.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only to connect consumers with lenders and third parties marketers. The website does not charge any fees for its connecting service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan or service offered by the lenders.
superbcashadvance.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be connected with a lender, or if was connected, will receive a loan offer.
superbcashadvance.com does not oversee or regulate and is not responsible for any actions of any lender. Any offer, loan terms, rates (including APR), fees and charges, loan amount, cash transfer times, repayment terms as well as any legal implications for late or non-payments are within the full responsibility and control of the particular lender that provides the loan.
The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the consumer, as well as the terms determined by each lender individually.
By submitting your loan request form, you acknowledge, agree, and authorize that your information may be shared with third-party marketing partners and lenders in our network, and that such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. In addition, lenders may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents.
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