California

State Payday Loan Law Information

Payday loans in California are restricted to the amount of $300. Loans are limited to a maximum of 31 days with a finance rate and fees of 15% of the check amount.

The state also limits the number of outstanding loans at one time to one. The lender is prohibited from charging a fee for extensions on the loan and there are no rollovers permitted or a cooling-off period. Payment plans are voluntary. No fees may be charged in conjunction with the payment plan.

The lender may collect $15 NSF fee and criminal action is prohibited.

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