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Need some extra cash until pay day? If other means of raising extra money have failed, you may want to consider a payday loan. In California, you can borrow up to $255 for a fee of $17.65 (or less) per $100.00 borrowed to cover emergencies. Applying for a payday loan will not affect your credit score. We've looked at a handful of lenders, checked their licenses, Better Business Bureau ratings, and their legal history with the California Department of Corporations. While these rates and terms are specific to California, these lenders provide services in many other states as well. As with any financial transaction, we advise all consumers to carefully read the terms of their loans before accepting. Check out our payday loan FAQ for more information on payday loans.
California Payday Loan Reviews
| Service Name & Rating: | Advertised loan amount*: | Fee per $100*: | APR: | Loan period: | BBB Rating**: | California License: | Bottom Line: |
 | $100.00 to $255.00 | $8.83 (after 50% discount with coupon code: NEXTADVISOR50) | 229.95% | 8-31 days | A+ Accredited Member | Since 2008 | Best BBB rating, 50% discount with coupon code: NEXTADVISOR50, repeat borrower incentives, clear website and 24/7 customer service |
 | $100.00 to $255.00 | $14.99 (after 15% discount with coupon code: CJ15DEC11) | 390.81% | 4-18 days | B | Since 2006 | Company offers incentives for repeat borrowers after 5th loan, but loan period is shorter; BBB score could be higher; 15% off with coupon code |
 | $50.00 to $255.00 | $17.65 | 460.16% | 14-30 days | A+ | Since 2007 | Lowest minimum loan amount and very good BBB score, but company has a past legal violation |
 | $100.00 to $255.00 | $25.00 | 651.79% | 7-18 days | Not rated | Not licensed | We do not recommend doing business with this lender: unlicensed, high fees, not based in the U.S. |
 | $100.00 to $255.00 | N/A | N/A | 7-18 days | F | Not licensed | With higher-than-legal fees and an off-shore operating base, we couldn't recommend this service less |
*Based on information provided by lender's website. Licensed lenders limited to maximum fees of $17.65 per $100.00 borrowed and a maximum loan amount of $255.00.
**Better Business Bureau rating based on 36-month reporting period
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