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Payday Loans Online in Los Angeles, CA
Los Angeles, CAPayday Loans Online

Payday Loans in Los Angeles, California


To obtain fast and effortless funds, you can submit an online application for payday loans from top direct lenders in Los Angeles, CA.

Obtain a short-term cash advance in Los Angeles without undergoing a credit check. Even if you do not possess a bank or checking account, you may still be eligible for cash loans in Los Angeles. Having bad credit will not hinder your approval for a speedy payday advance in Los Angeles, CA either. Simply complete a complimentary online application form and obtain a quick verdict from numerous lending institutions in just a few minutes.

Small-dollar short-term Payday Loans Online in California guarantee quick financing for any urgent expenses even if your credit is far from perfect.


Are Payday Loans Legal in Los Angeles, CA ?

Loan Rates and Fees, Laws and Regulations in California.

California residents can apply for up to $300 Online Payday loans for a maximum of 31 days. It’s legal and regulated by the Civil Code 1789.301 and the Financial Code 230002 which sets the average APR of 459%. Lenders can charge $17.65 for 14-day $100 loan. The finance rate and fees shouldn’t be higher than 15% of the check.

Only one simultaneous loan is allowed at a time, but there’s no cooling-off period before the next one. Rollovers are forbidden, the repayment plan is voluntary but on the condition that no additional fees are charged. If you can’t repay the money there’s a $15 non-sufficient-fund fee. Any criminal actions against debtors are prohibited.

Law statuslegal
MIN Loan Amount$100
MAX Loan Amount$300
MIN. Loan Term14 days
MAX. Loan Term31 days
MIN APRVaries by lender
Additional fees15% of the check
NSF fee$15
Collateral or guarantorNone, unsecured
Number of simultaneous loans1
Cooling off periodNone
RolloverNot allowed
Extension, repayment planVoluntary repayment plan
Default penaltiesNot stated
Credit score requirementsAvailable for Bad Credit
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Can I Get LA Bad Credit Payday Loans?

Bad credit loans in Los Angeles are possible to obtain despite having bad credit. Typically, payday lenders do not consider credit scores as a determining factor in their application process. This means that even if you have a poor credit history, you can still be approved for a loan.

However, it is important to be aware that payday loans come with high-interest rates and fees. Therefore, it is crucial to consider your financial situation before applying for a loan and ensure that you will be able to repay the loan on time to avoid incurring additional charges.

How to Apply for Payday Loans in Los Angeles, CA?

Los Angeles loans are easy to obtain online. To get Payday Loans in Los Angeles, CA, you can follow these steps:

  1. Find a reputable and licensed payday lender that offers loans in Los Angeles, CA. You can research online or visit a local storefront lender.
  2. Check the lender's eligibility requirements to make sure you meet the criteria for a loan. Most lenders require borrowers to be at least 18 years old, have a steady income, and a valid ID.
  3. Complete an online application form or visit a storefront location to apply for a loan. You will be required to provide personal information, including your name, address, employment details, and bank account information.
  4. Review and accept the loan terms and conditions, including the interest rate, fees, and repayment schedule.
  5. If you're approved, the funds will be deposited into your bank account, usually within one business day. You can then use the funds to cover your expenses.

It's important to remember that payday loans are a type of short-term borrowing that comes with high-interest rates and fees. Therefore, you should only consider a payday loan if you have exhausted all other options and ensure that you will be able to repay the loan on time to avoid incurring additional charges.

What are the Eligibility Requirements for Payday Loans in Los Angeles, CA?

The eligibility requirements for payday loans in Los Angeles, CA, may vary depending on the lender, but generally, the following requirements apply:

  1. Age: You must be at least 18 years old to apply for a payday loan in Los Angeles, CA.
  2. Income: You need to have a regular source of income to be eligible for a payday loan. You may be required to provide proof of income, such as a recent pay stub or bank statement.
  3. Identification: You must have a valid government-issued ID, such as a driver's license, passport, or state-issued ID card.
  4. Bank account: You must have an active bank account in your name. Some lenders may require a checking account, while others may accept a savings account.
  5. Contact information: You must provide a valid phone number and email address where the lender can contact you.

It is important to remember that meeting the eligibility requirements does not guarantee loan approval. Lenders may have additional requirements or criteria that they use to assess loan applications, such as credit history or employment status. Therefore, it's always best to check with the lender directly to determine their specific requirements and ensure that you have the necessary documents and information to apply for a payday loan in Los Angeles, CA.

What are the Pros and Cons of Payday Loans in Los Angeles, CA?

Payday loans in Los Angeles, CA, offer a convenient way to access cash quickly, but they also come with several drawbacks. Here are some of the pros and cons of payday loans in LA:


  1. Quick access to funds: Payday loans can provide fast access to cash in case of emergencies, as the application process is usually quick and easy.
  2. Easy application process: The application process is often straightforward, and borrowers can apply online or in-store.
  3. No credit check: Payday lenders typically do not check the borrower's credit history, which means that borrowers with bad credit can still be eligible for a loan.


  1. High-interest rates: Payday loans come with high-interest rates and fees, making them an expensive way to borrow money.
  2. Short repayment term: Payday loans typically have a short repayment term, which can make it challenging to repay the loan in full by the due date.
  3. Risk of getting trapped in a debt cycle: If you're unable to repay the loan on time, you may incur additional fees and interest, which can trap you in a debt cycle.
  4. Predatory lending practices: Some lenders may engage in predatory lending practices, such as offering loans with hidden fees or preying on vulnerable borrowers.
  5. Limited loan amounts: Payday loans usually offer a limited loan amount, which may not be enough to cover all of your expenses.

It's essential to carefully consider the pros and cons of Payday Loans before applying for one. If possible, explore alternative borrowing options, such as personal loans or credit cards, that may have lower interest rates and more flexible repayment terms.

How to Compare Payday Lenders in Los Angeles, CA?

To compare payday lenders in Los Angeles, CA, you can follow these steps:

  1. Research: Do your research to find out what lenders are available in Los Angeles, CA. Read reviews and ratings from previous borrowers and check whether the lenders are licensed by the California Department of Business Oversight.
  2. Loan Terms and Conditions: Compare the loan terms and conditions from different lenders, including the interest rates, fees, repayment terms, and the maximum loan amount they offer.
  3. Customer Support: Check the customer support options offered by the lenders, such as phone, email, and chat support.
  4. Eligibility Requirements: Review the eligibility requirements for each lender to ensure that you meet the criteria for a loan.
  5. Application Process: Review the lender's application process, such as whether they offer online or in-store applications, how long the approval process takes, and when the funds will be available.
  6. Additional Services: Some lenders may offer additional services, such as financial education or credit counseling, which may be beneficial for borrowers.


It's important to compare different payday lenders to find the best option for your needs. By doing your research and comparing the loan terms, fees, customer support, and eligibility requirements, you can make an informed decision and choose a lender that offers the most affordable and suitable loan for your financial situation.

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Payday Loans Available in Los Angeles, CA by the following ZIP codes:

90001 90002 90003 90004 90005 90006 90007 90008 90009 90010 90011 90012 90013 90014 90015 90016 90017 90018 90019 90020 90021 90023 90024 90025
90026 90027 90028 90029 90030 90031 90032 90033 90034 90035 90036 90037 90038 90039 90041 90042 90043 90044 90045 90046 90047 90048 90049 90050 90051 90053 90054 90055 90056 90057 90058 90059 90060 90061 90062 90063 90064 90065 90066 90067 90068 90069 90070 90071 90072 90073 90074 90075 90076 90077 90078 90079 90080 90081 90082 90083 90084 90086 90087 90088 90089 90090 90093 90094 90095 90099 90189 90210 90211 90213 90230 90232 90247 90248 90272 90290 90291 90292 90293 90294 90295 90296 90402 90501 90502 90710 90717 90731 90732 90734 90744 90748 90810 90813 91040 91041 91042 91043 91214 91225 91303 91304 91305 91306 91307 91308 91309 91311 91313 91316 91324 91325 91326 91327 91328 91329 91330 91331 91333 91334 91335 91337 91340 91342 91343 91344 91345 91346 91352 91353 91356 91357 91364 91365 91367 91371 91388 91393 91394 91395 91396 91399 91401 91402 91403 91404 91405 91406 91407 91408 91409 91410 91411 91412 91413 91416 91423 91426 91436 91470 91482 91495 91496 91497 91499 91504 91521 91522 91601 91602 91603 91604 91605 91606 91607 91608 91609 91610 91611 91612 91614 91615 91616 91617 91618
  • Easy online application
  • Bad credit is OK
  • Instant approval
  • No credit check considered
  • Competitive rates
  • Same day financing

In 2024 there are 3,976,322 people living in Los Angeles, CA. According to the statistics, 238579 of them look for "Payday Loans Near Me in Los Angeles, CA" or apply for Los Angeles Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 50205. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Los Angeles, California direct lenders.



How to qualify for online Payday Loans in Los Angeles, CA?


How Los Angeles Payday Loans online work?


Can I get a Payday Loan with bad credit in Los Angeles, CA?


Do Los Angeles lenders offer no credit check Payday Loans?


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Do lenders in Los Angeles, CA require a certificate from the employer?


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