Emergency expenses can present money challenges, even for those who actively manage their financial lives. Whether you’re navigating an unavoidable cost or a time-sensitive investment, a payday loan can be a convenient solution in such moments. Explore where to find payday loan services in Los Angeles and learn how to apply for one.
Where Can I Find Payday Loan Services in Los Angeles?
A payday loan is a short-term loan used to cover unexpected expenses with repayment terms of as few as two weeks. It’s easy to apply and get approved for one, but the convenience comes with high interest. Consider these options.
Cashback Loans
Southern California-based direct lender Cashback Loans started with two locations in 2003 and has now grown to seven sites across the region. Fill out an application online or in person and receive your pay in as fast as 15 minutes. It provides clear terms and conditions, ensuring you understand the costs involved. Moreover, the company doesn’t require your credit history information for approval, making it one of the best places to find payday loan services in Los Angeles.
Key features:
- Instant funding
- Doesn’t require credit history information
- 24/7 online payday loan application
- No collateral required
- Free financial tips online
Reviews:
- “Quick cash and low fees. I have used this location for payday loans many times, and it’s a cinch and cheap. I even had a title loan with them once, and it was an excellent experience, considering our financial position at the time.” - Izzi K.
- “I found out about Cashback Loans from my relative. I went there and was immediately greeted. I filled out and submitted an application, and was out in less than 10 minutes. Now, whenever I need some extra money, I just walk in and I’m out in three minutes! Their service is fast and friendly. I appreciate the customer service they offer.” - Antonio
Pacific Cash Advance LLC
Pacific Cash Advance LLC offers payday, installment and title loan services. Its office is conveniently located in a bustling neighborhood, making it easily accessible. Fill out the form at the store location and wait for approval. A representative will assist you in choosing the desired loan amount, payment plan, and schedule. The company will also set up automatic bank withdrawals for your convenience. Moreover, it has a referral program that rewards you for referring friends.
Key features:
- Open from Monday to Sunday
- No hidden fees
- Referral program
- Fast application process and funding
Reviews:
- “They are very professional and considerate clerks. During my first visit, it took a little time for verification. After that, the succeeding loan applications were very fast.” - St Francis
- “The ladies working here are very kind and considerate. They helped me with what I needed, and never had anything but a good and professional attitude. I feel comfortable referring my mother to them.” - Micah D.
Superb Cash Advance
Superb Cash Advance lets you connect to lenders in its network. One of its advantages is that it provides payday loan amounts of up to $1,000, making it ideal if you need a larger sum than what other direct lenders offer. Send your application online, attach the requirements, get approved after a few minutes and receive your funds on the same business day. The company has an origination fee of $45 per loan, depending on lender policies.
Key features:
- Instant funding
- Simple repayment methods
- Quick approval
- Application with minimal paperwork
Reviews:
- “Despite the high rates, the service provided fast and reliable support throughout the loan process. Their efficient service and clear communication made managing the loan straightforward.” - Mohammad S.
- “My loan was secured flawlessly with Superb Cash Advance. Their staff is very helpful and produces good results.” - Christopher J.
Advance America
Advance America has 25 years of experience helping borrowers address short-term financial needs like rent, past-due utilities and unexpected repairs. This provider doesn’t require good credit as long as you have solid proof of income and employment history. Fill out the online application form, wait for a confirmation and receive your funds the same day if your loan gets approved before 10:30 a.m.
Key features:
- Quick application and approval
- No minimum credit score requirement
- Referral program
- More than 25 years of industry experience
- Low loan fees
Reviews:
- “Matix and Natalie are so knowledgeable and helped to get me the cash I needed quickly! Everything is so efficient and they made sure I understood everything. 10 out of 10!” - Keivin
- “Mary helped me today with my loan. My sister referred me to them and I’m happy I got here. They are the best. Mary, you went above and beyond today with us.” - Shanteria
NetCredit
NetCredit offers 30- and 90-day loans, making it ideal for people looking to borrow larger amounts and want a more flexible repayment plan. Check your eligibility online by supplying your desired loan amount, purpose, location and basic personal information. The team will review your offer, approve it and deposit the requested funds promptly. Ensure you are 18 or older and have a valid personal checking account, an email address and a verifiable source of income.
Key features:
- Lump sum disbursed upfront
- Loans of up to $10,000
- Quick online application and approval
- Instant funding
- Build credit history with on-time repayments
Reviews:
- “The service was quick and thorough. The customer service agent was courteous and informative. This was my first time borrowing, and I was nervous, but she made me at ease.” - Richard
- “I’m so pleased with NetCredit’s benefits. It’s unbelievable how user-friendly and extremely helpful the website is. Could not improve on anything. Thanks for being there for me in my time of need.” - Loretta
Check `n Go
Check `n Go has been providing cash advances with competitive terms and rates since 1994. This company is ideal if you want to borrow a small amount to repay the next payday. You need a valid phone number, proof of your most recent income, a valid U.S. government-issued ID, an active checking account and your Social Security number to apply. Apply online, await a decision, receive a confirmation and accept your funds.
Key features:
- Easy and fast application process
- Convenient repayments
- High-quality customer service
Reviews:
- “They have helped us in times of need, and the customer service is great! About two years ago, we needed to sponsor a church trip, and at the last minute, they were there for us.” - Robert W.
- “The staff is always friendly, respectful and a pleasure to work with. They helped me when my family and I struggled with medical bills.” - Morgan B.
Net Pay Advance
If you’re looking for a payday loan service in Los Angeles but are worried about your bad credit score, consider Net Pay Advance. It considers several factors for approval, including income verification, state of residence, age, an active bank account and proof that you’re not an active-duty military personnel. Submit an online application, get an instant decision, agree to the terms and receive the funds on the same day.
Key features:
- No minimum credit score requirement
- Allows extension of up to three days from the original due date
- Convenient mobile app
- Customer-focused support team
- No hard credit check
Reviews:
- “This is the easiest payday loan company I have ever seen and used. What I found amazing is that they could transfer funds instantly because I have a card on file.” - Timothy
- “The service was excellent and was there when I really needed it. I would highly recommend Net Pay Advance.” - Joan
Speedy Cash
Speedy Cash is a loan company that has served over 10 million customers. With over 25 years of experience, you can trust that you’ll get competitive rates for your payday loans. Your rates, payment amounts and dates are clearly explained during the application process. You can apply for a loan online or speak with a professional at a store. The company offers various repayment options, including debit card, cash payment in-store, a post-dated check or AutoPay from your bank.
Key features:
- Quick and easy application process and approval
- Everyone is eligible to apply regardless of their credit rating
- Free financial tips online
- Online and offline application options
Reviews:
- “I have been a customer for a couple of years now, and do most of my transactions on the internet. Very safe and easy to access. Thank you.” - Jimmy Kelly
- “What I liked the most was that Speedy Cash processed my loan request online on the same day. They also transmitted funds to my debit card immediately after they processed my payday loan. The only minor downside is that I’m limited to a maximum loan amount of $255. I think this is due to California state law.” - Mathew Chase
ACE Cash Express®
ACE Cash Express® offers online and in-store payday loans. It has been in the industry since 1968, providing clients with reliable financial and top-notch customer services. You can borrow $100-$255, but the allowable amount will be based on your income and standard underwriting criteria. The lender may consider your credit history and score, but you don’t have to worry about getting denied as long as you can pay on time.
Key features:
- Fast online and in-store application and approval process
- Various funding options
- Transparent funding times
- 72-hour satisfaction guarantee
Reviews:
- “Fast and professional service. I highly recommend ACE.” - Gina H.
- “This was my first payday loan. I had a flat tire, no money and had to be somewhere important. Went to Ace Cash Express, a worker there was polite and friendly. I had all the information needed and was approved for a loan. This company helped me out.” - Wanda J.
Summary of the Top Payday Loan Services in Los Angeles
Here’s a comparative analysis of where to find the best payday loan services in LA.
Company | Loan Amount | Loan Repayment Terms |
Cashback Loans | $150-$300 | Up to 31 days |
Pacific Cash Advance LLC | $50-$255 | 14 to 30 days |
Superb Cash Advance | $100-$1,000 | 14 to 30 days |
Advance America | $100-$255 | 14 to 30 days |
NetCredit | $1,000-$10,000 | 30 days, 60 days and 90 days |
Check `n Go | Up to $255 | 10 to 31 days |
Net Pay Advance | $100-$200 | 14 to 30 days |
Speedy Cash | $50-$255 | 14 to 30 days |
ACE Cash Express® | $100-$255 | Up to 31 days |
How to Get a Payday Loan
A payday or cash advance loan provides quick cash, often without performing a hard credit check. Here’s how to generally apply for one:
- Gather the requirements: You must be over 18 to be eligible. Many lenders require proof of income, such as recent work pay stubs, an active checking account, a government-issued ID and your Social Security number. Some companies may ask for your credit history for a better assessment.
- Assess your options: Payday loans are notorious for their high interest rates. Under California law, fees can go up to $45, so assess if you can afford to pay it back on time.
- Send an application: Apply via the company’s website and fill out the form. Some companies only offer in-store applications, so visit them at their locations.
- Wait for the approval: The screening process usually takes a few minutes. Wait until a representative reaches out to you for a decision. They may also ask for additional documentation to assess your financial standing better. In that case, it may take a while to get your request approved.
- Have a repayment plan: Read the fine print once approved. Ensure you can repay the full amount on your selected due date.
- Receive the funds: Many providers deposit the requested funds into your checking account, while some require you to get the cash in the store.
Are Payday Loans Secured or Unsecured?
Most payday loans are unsecured, meaning you don’t need to pledge an asset or property to qualify. Many borrowers prefer this type of loan because of its fast application process, flexibility and accessibility since they don’t usually perform a hard credit check.
Choosing the Best Payday Loan Service Provider in Los Angeles
L.A. offers various payday loan choices, helping you manage a financial emergency. Staying informed about all your options can help you handle those unexpected bumps in the road. Ensure you read the terms and conditions before signing a contract, and don’t hesitate to reach out with questions to prospective lending companies for your peace of mind.
