California Online Payday Loans

Two people looking at a laptop and laughing Two people looking at a laptop and laughing

“Fast and easy.
Quick service as
well.”

Guillermo L.
Chula Vista, CA

Borrow Up to $255 Today

How the Online Payday Loan Process Works

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Application

Apply online using our secure application process.

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Upload

Upload your documents in seconds to complete your application.

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Approval

Once your loan verification documents are received, approval only takes minutes.

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Cash in Hand

You choose how to get your money: deposited to your bank, prepaid debit card or pick up in a Branch.

Payday loans are available up to $255.

You can borrow any amount up to your loan limit. Your loan limit will be established based on:

  • Your income;
  • The information you provide on your loan application;
  • Your credit history with Moneytree; and
  • The information in your consumer report provided by a consumer reporting agency.

Your loan limit may change if any of the above changes.

The fee for a loan is approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.*

Customer Notice: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Licensed by the Department of Business Oversight pursuant to the CA Deferred Deposit Transaction Law to make consumer loans.

  • ID and social security number (or alien registration number or ITIN)
  • Physical address & contact phone number
  • Documents to verify the source and amount of your income
  • Open checking account information

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Secure

Moneytree is a direct lender and never sells your information.

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Licensed

We are licensed by the California Department of Business Oversight.

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Fast

Our Team will let you know in minutes how much you qualify to borrow.

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Service

Our Mission is to exceed your expectations. Visit a Branch today and learn more from one of our knowledgeable and friendly Tellers!

Questions about online payday loans? Call our Customer Service Team at 800-745-1011.

Click to View Sample Loan Fees

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. Learn More.

California FAQs

Online Payments

Loans scheduled to be paid by ACH or post-dated check: Payments can be made online at moneytreeinc.com/payments on or before 1 PM PST on the payment due date using your debit card.

Telephone Payments

Loans scheduled to be paid by ACH or post-dated check: Call Customer Service at 1-800-745-1011 before 2 PM PST on or before the payment due date to make a telephone payment using your debit card.

Loans payments scheduled to be paid in cash: Call Customer Service 1-800-745-1011 before 11 PM PT on or before the payment due date to make a telephone payment using our debit card.

You can prepay your loan in full prior to the due date with no prepayment penalty.

Payday Loan

Loan renewals are not available in California.

Payment options vary depending on your loan agreement.

Payday Loan

  • You can write a post-dated check at loan origination for repayment. Your paper check will be turned into an electronic check for presentation to your bank. If you wish, you can opt to have your paper check physically deposited rather than electronically presented.
  • You can repay your loan in full, in cash, before the deposit time on the due date in any Moneytree Branch.
  • You can repay your loan in full using your debit card in any Branch.
  • You can repay your loan in full online using your debit card.
  • You can also repay your loan in full over the phone using your debit card.

Your loan will be due on the date set forth in the loan agreement.

Payday Loan

If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday. The maximum loan term per California law is 31 days.

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans only. You must request a payment plan before the deposit time on the day your loan is due to restructure the payment terms to at least four (4) substantially equal payments. You may choose this option once per 12-month period. There is no charge to enter into the payment plan.

You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a Branch.

If your check or ACH returns unpaid, you will be charged a one-time $15 fee. You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.

Moneytree is the best provider of payday loans and other financial services. Whether you apply online or in a branch, a Moneytree payday loan is fast, simple and secure.

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Online loans not available in all states. For the complete list of available loans, rates and terms, click the page for your state of residence:

California: A payday loan costs approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.* Moneytree, Inc. is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law to make consumer loans. Licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law to make business loans. Loans made or arranged pursuant to a California Financing Law license.

Colorado: The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan with a 10% acquisition charge and a 98-day loan term as an example: A $500 loan would cost $595 which includes finance charges of $95, consisting of the acquisition charge and three installment account handling charges, and is based upon you agreeing to make seven payments of $85 due every two weeks, with an APR (Annual Percentage Rate) of 118.25%.*

Idaho: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Nevada: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Washington: A payday loan costs $15 per $100 borrowed up to $500, and $10 per $100 on the amount over $500. For example, a $100 loan due in 14 days would have a total repayment amount of $115 and has an APR (Annual Percentage Rate) of 391.07%.*

Customer Notices:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Payday Loans, High-Interest loans and Title Loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

To view our Privacy Policy, please visit our Privacy Policy page.

For Customer Service, please contact us at 1-800-745-1011.

*The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.