When one needs cash now, not in two weeks when you get paid, many residents of Los Angeles and the rest of California look to the newfound power of the payday loan industry and its subsidiaries. With more than 25% of the state’s cash advance storefronts located in Los Angeles, it’s easy to find an ideal location for you!

Such payday and cash advance loans are not dependant on your credit score, but instead based upon your steady job and the information on your paycheck. So not only can you easily obtain a cash advance in this state if your credit is bad, you can get the money you need quickly, usually within 24 hours.

For instance, say that you’re short on cash until your next paycheck, but your car needs new tires now. Instead of waiting for your next check and inadvertently causing an accident, you can get the cash you need now with a cash advance.

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A typical cash advance loan is very short term, usually under a month, or until the borrower’s next payroll or government issued check arrives. Some states, California being one, allows the borrower to post-date a personal check made out to the borrower for the full loan amount plus all applicable fees. When the note becomes due, the lender cashes the check and simply keeps the fees.

California law governs the payday loan industry throughout the state, protecting both consumers and lenders:

30-day maximum term.
Fees cannot exceed 15% of loan amount, or $15 for each $100 borrowed.
Rollovers (refinancing one cash advance with another) are not allowed.
$15 non-sufficient funds fee if the check is returned from the bank unpaid.
Only one loan per person may be out at one time.

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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.