Quick and Easy Payday Loans

Best Payday Loans in California

Apply online and find out in minutes.

Get your cash same day*

Payday Loans Online

At Payday Today, we’re the good guys! We have been lending to Californians since 2005. We are here to fill that gap when you need extra funds between paydays. Don’t fall for internet sites that charge high rates and extra fees, instead let Payday Today, a direct lender, help you get the cash you need.

Requirements to Apply for a Payday Loan

Proof of Income

This can include a pay stub from a job or a benefits letter from Social Security

Active Bank Account

Bank account must be open for a minimum of 60 days with recent activity

Valid Government Issued Identification

Driver’s License, Work Permit, Passport, Etc.

When an applicant successfully completes the online application, they will receive a pre-approval up to $255. This pre-approval is not a final approval. Final approval is contingent on Payday Today staff verifying and analyzing the information provided by the applicant. Not all pre-approvals result in a final approval and the issuance of funds.

Payday Today operates under the following underwriting guidelines when evaluating all applications for final loan approval.

  • Valid government issued identification.
  • Resides in the state of California.
  • No more than one NSF / Returned check within the past 30 days.
  • Active bank account open for minimum of 60 days with regular and recent activity.
  • Bank account average balance sufficient to repay a loan.
  • Current obligations do not make it unreasonable borrower will have the ability to repay a loan.
  • Verifiable source of income such as regular deposits reflected in bank transaction history that can be cross-referenced with application.
  • Applicant must borrow against the account in which source of income is deposited.
  • New applicants must complete the online bank verification process.

Proof of Income and Active Bank Account can be uploaded after you complete the application on our website. As an alternative to providing Proof of Income and Active Bank Account, you can complete the bank verification during the application process.

If you have any questions, please contact us at (831) 443-0521

How Payday Loans Work

Get an approval decision within minutes for your Payday Loan application.
Get your money the same day.*

A Payday Loan is quite simply a small dollar loan that is due upon your next pay date, usually in two to four weeks. You can get a few hundred dollars to cover unexpected expenses or get some extra cash before your next paycheck. Fill out our simple online loan application in just a few minutes and get the funds you need as quickly as the same day you apply.

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded in the morning the next banking day.

Who We Are

  • Payday Today is located at 1860 N. Main St. Suite N., Salinas, CA 93906
  • We are located directly across the street from Chick-Fil-A and the Northridge Mall
  • We have been lending to California since 2005

Who Regulates Us

    • We are licensed by the California Department of Financial Protection and Innovation
    • We follow California Deferred Deposit Transaction law and Financial Lender Law
    • We are members of the Online Lenders Association

Who Do We Lend To?

  • Any resident of California is eligible to apply for a loan
  • You must have valid ID, a source of income and an active bank account
  • Good credit not required. We consider many factors when reviewing your application.

Get Cash in Less Than 15 Minutes

  • Get approved in 15 minutes.
  • Apply in-store or online.
  • Funds can be issued in-store or online within minutes
  • Once you’re an approved customer, you can apply for a new loan and receive fast approval online or in-store.

Payday Loan Benefits

Benefits of getting a Payday Loan from Payday Today

Easy application

Payday Loans come with easy applications that you can complete in just a few minutes. Payday Today lets you apply online or in store, so you may be able to fill out an application from the comfort of your home.

Quick approval

Payday Today offers a super quick approval decision, so you may find out right away whether you’re approved for a Payday Loan. If approved, in many cases you can receive the funds the same day you apply or within 24 hours.

Good credit not required

Payday Today is not as strict as other lenders and approves borrowers with all credit score levels. We consider other factors in addition to your credit score when deciding whether to approve you, such as your income and employment history (must have 60 days of employment history). So you can still get approved even if your credit score is not so good.

Thousands of California customers trust Payday Today.

Get the cash you need

When you need it most.

Fee schedule