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Online California payday loans

Fill out our fast no credit check application and connect with our trusted lenders, immediately.

See instantly if you qualify for a same day loan.
APR Rates starting at 5.99% up to 35.99%.

Get a same day loan

Apply today for a loan between $100 and $1,000.

A same day loan gives you the flexibility to use it for what you need. If you have an emergency expense of any kind, you can use a payday loan to cover it.

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Instant funding is available with eligible debit card.

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Why choose FlexPayday for a California Payday Loan?

One Simple Application

Fill it out anytime, anywhere in just a few minutes.

More Options

We’ll connect you with the best online payday lenders.

Fast Cash

Funds are deposited into your account the same day you apply.*

Why Choose an Online Payday Loan?

There’s no payday loan closer to you than one at the tip of your fingers. An online payday loan provides you the freedom to spend your loan as you see fit. Car loans and mortgages require you to use the loan for a specific purchase. With an online payday loan, it’s your money, and you get to decide how your money is used. Put it towards an emergency expense, a vacation, a home repair, and more. Plus, unlike other loans, there’s no credit check. You can apply whether you have good or bad credit. Your credit score will not impact your loan decision.

With most payday loans, you can borrow the money until you receive your next paycheck. If approved by a lender, you will receive your loan amount up front, and be required to pay the money back with interest in regular monthly payments to your lender. Your loan will carry a fixed interest rate, and you’ll repay your loan over a fixed period of time.

Are there Applicable Fees?

FlexPayday application services are free for you! We connect you with some of the best online payday loan providers. From there, the lender you are connected with will typically charge you applicable fees or a set interest rate. The amount depends on the lender and the loan agreement.

No matter which lender you work with, they will provide you a full disclosure of the loan agreement terms so you can make the best decision for your needs. Before you sign your loan agreement, please be sure to read through the terms and conditions in their entirety.

What is “Annual Percentage Rate” – APR?

The Annual Percentage Rate (APR) is the amount charged for borrowing. It is expressed as a percentage that represents the yearly cost of funds over the term of a loan. As loans can vary in terms of interest-rate structure, transaction fees, late penalties, and other factors, a standardized value, such as APR, provides borrowers with a bottom-line number that you can easily compare to rates charged by other lenders. Because FlexPayday does not provide loans itself, it is important to contact the lender you are connected with directly to obtain the specific details of your loan agreement. Costs will depend on the lender, loan amount, loan term, and more. 

Representative Examples of APR, Total Loan Costs & Fee

Loan Amount $1,000 $2,000 $2,500 $5,000
Interest Rate 24.00% 19.00% 16.00% 13.00%
Loan Term 12 months 24 months 36 months 48 months
Fee 3.00% 5.00% 10.00% 12.00%
Monthly Payment $94.56 $100.82 $87.89 $131.67
APR 29.82% 24.12% 22.93% 18.23%
Total Payments $1,134.72 $2,419.68 $3,164.13 $6,320.12
Total Cost $164.72 $519.68 $914.13 $1,920.12

*Scroll to view additional rates


Frequently Asked Questions.
Here are some common questions about FlexPayday.

How do I repay my online payday loan?

The answer to this really depends on the lender you’re connected with. Each lender has their own process on how to pay back your loan. For details, be sure to check your loan agreement. They’ll include information like the cost, the pay back date, and the repayment process in the agreement. We always recommend that you read your loan agreement before signing, since it contains valuable information on cost and payment.

What if I am late on payments?

The answer to this also depends on the lender you’re connected with. Every lender has their own late payment fees and policies. For the most part, individuals that are late on payment will be faced with a late fee or penalty. It’s important to read your agreement thoroughly and set yourself a reminder for when payment is due. Avoiding late payment penalties is the best way to keep your payday loan expenses down. If you have questions about your specific lender’s non-payment or late payment penalties, the best way to learn more is to contact them directly. Keeping an open and honest dialogue with your matched lender is best if you have any concerns or issues with repaying your loan. 

*What’s required for same day funding?

You must meet two requirements in order to qualify for a same day loan. First, you must be approved by a lender with same day loan options. Secondly, you must add a valid debit card on your file.

What qualifications are required to receive a no credit check loan?

The application does not include a credit check. Your current credit score will not be part of the decision-making process. Beyond that, each lender has their own requirements for approval decisions. Most lenders require the following three items:

1. Proof that you have a bank account in your name that has been active for at least 30 days
2. Proof that you’re at least 18 years old
3. Proof that your address is in a location where they are licensed to operate