California Direct Payday Loans

Many Californians can relate to experiencing an unexpected expense like a blown-out tire, a towed car, or a medical emergency. Without enough money in the bank to cover sudden expenses, what would you do? For those with not so perfect credit a payday loan is often a solution that they use for their short-term credit needs.

Finding a California Direct Payday Loan

Much like our own story above, almost half of all people in the U.S. could not cover an unexpected $400 expense without borrowing or selling their possessions. Also, more than half of Americans have a credit score below 680, which makes it difficult for them to get a loan approved by most banks. Unlike traditional banks, payday lenders may not require a good credit score. Even if you have poor credit, you may still be able to take out a loan with a payday lender. Some people consider storefront lenders or online payday lenders.

Our California Direct Payday Loan alternative

We offer an alternative to payday loans. Our payday loan alternative differs from traditional payday loans in that we don’t do rollovers so that you won’t get trapped in a debt cycle. It is easy to apply for a California payday loan alternative with us. There’s no need to sit in traffic on the 405 freeway. You can apply anywhere from your smartphone and get an instant decision. We service CA from the Sacramento River to Los Angeles and help applicants to borrow between $100 and $250, with a repayment date up to 30 days later.

What Are California Direct Payday loans?

Direct payday loans are different from other types of loans because you are borrowing the money directly from the lender, with no middleman. This can mean fewer fees and often lower interest rates for borrowing. Additionally, a direct loan typically means that you won't end up paying too much or dealing with confusing layers of communications from multiple companies. You can talk directly to the lender about your needs, about your repayment plan. At LendUp, we even offer free online financial education courses on our site for anyone to start learning about building better financial habits today.

Benefits of our California direct payday loan alternative

Borrowing with California payday loans direct has some definite perks for users. First and foremost is trustworthiness. You have the assurance of a well-known and reputable institution that is regulated by government agencies. Beyond that, direct lenders are more efficient. The paperwork is quick and will take minutes to apply. Even better, you can get an instant decision so you can get on with your busy day. Getting approved for a loan can be a pain, but choosing a CA direct lender like LendUp simplifies and speeds up the process.

LendUp also offers some additional benefits beyond California payday loans direct. We strive to make our customers' financial lives better for them.

  • Look to our Ladders program for an actionable way to move up and earn access to higher dollar loans at lower costs, over time if approved. The Ladder is available in California but availability in other states varies.

  • We base our business model on customer success, without "gotchas." No rollovers and no debt traps to keep you indebted to us. Not ever.

  • We offer transparency by making everything we do easy to understand. We tell you the cost and the APR before you give us your information to apply for a loan.

Get Started Here

Apply for a LendUp Loan here:

What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

Learn more about LendUp »

Apply in as few as 5 Minutes

Instant Decision

Good Credit not Required

Direct Lender

What people are saying

Hear from our customers

Testimonials reflect the individual's opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.

Learn more about our customers »

Related Reading