Get a Payday Loan in Sacramento, CA
Three minutes to request, no fee, and no obligation to accept any offer.
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California loan rules at a glance
| Rule | California limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $300 (face amount of the check) |
| Maximum term | 31 days maximum |
| Finance charge cap | Up to 15% of the check amount (max $45 on a $300 check) |
| Rollovers | Rollovers prohibited (§ 23037); only one deferred deposit transaction outstanding at a time (§ 23036.5 statewide database) |
| Cooling-off period | No statutory rescission/cooling-off confirmed; the one-loan-at-a-time rule is the operative protection |
| Statute | Deferred Deposit Transaction Law (CDDTL) — Cal. Fin. Code §§ 23035–23037 & 23036.5 |
Source: California Department of Financial Protection and Innovation (DFPI) · Rules verified July 15, 2026
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender, under the terms written in the loan agreement you accept.
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.