Online Payday Loans Near Me in Orange, CA

So, do you urgently need a short-term loan in Orange? Know that you always have a choice:

apply for a loan online (advantages),
find a direct lender near you (list).

Payday Loans Online 24/7 [Orange]

What are the main benefits?

Fast: instant application review and approval in a few minutes.
Easy: short form and minimal requirements for the borrower.
Anytime: applications accepted 24 hours a day, 7 days a week.
Short-term loans: up to $1,000.
Installment loans: up to $5,000.
Transparent terms: no hidden or additional fees.
Safe: personal information is 100% protected (SSL).
Any credit score: including no and bad credit history.

Locations served:

Postal Codes & ZIP Codes: 92856, 92857, 92859, 92861, 92862, 92863, 92864, 92865, 92866, 92867, 92868, 92869
Area Codes: 657, 714

List of Direct Lenders in Orange, California (or nearby)

Company	Phone	Address	ZIP
Payday Money Centers	+1 714-771-7874	221 S Tustin Street, Orange, CA	92866
Montana Capital Car Title Loans	+1 714-266-2003	1171 N Tustin St, Orange, CA	92867
Financial Partners Credit Union	+1 800-950-7328	1409 W Chapman Ave Ste A, Orange, CA	92868
Regional Finance	+1 657-223-4514	333 S Anita Dr #650, Orange, CA	92868
CashCall Inc	+1 833-483-2274	1 City Blvd W Ste 100, Orange, CA	92868
Union Yes Federal Credit Union	+1 714-704-2800	1918 W Chapman Ave #100, Orange, CA	92868
Wescom Credit Union	+1 888-493-7266	3743 W Chapman Ave C, Orange, CA	92868
OneMain Financial	+1 657-400-2270	16432 Beach Blvd, Westminster, CA	92683
ACE Cash Express	+1 714-780-1919	1204 S Euclid St, Anaheim, CA	92802
Oportun	+1 657-529-7154	968 S Euclid St, Anaheim, CA	92802
Speedy Cash	+1 714-590-2274	13010 Harbor Blvd, Garden Grove, CA	92843
Cash N More	+1 714-748-4406	12845 Chapman Ave, Garden Grove, CA	92840
Advance America	+1 714-636-8687	13187 Harbor Blvd, Garden Grove, CA	92843

Basic Information You Need to Know

Orange, California residents considering short-term loan options should understand the regulations and potential pitfalls. Here’s a concise overview:

Loan Terms, Amount, Rates and Fees in Orange, CA, USA

In Orange, short-term loans, primarily payday loans, operate under California state regulations. The maximum loan amount is $300, which includes all fees and interest. The loan term cannot exceed 31 days.

California law limits payday loan fees to 15 per 100 borrowed. Therefore, a 300 loan will have a maximum fee of 45. Despite this fee cap, the Annual Percentage Rate (APR) can still be exceptionally high, frequently exceeding 400%, due to the short loan term. Carefully review all fees and the complete repayment schedule before committing.

Small Loan Online or Cash Advance Near Me

Online Loans: Offer convenience, but always verify the lender’s California licensing and compliance with state regulations to protect yourself from scams. Look for secure websites (HTTPS).
“Cash Advances Near Me (In-Store)”: Searching this phrase will reveal nearby storefront lenders in Orange. Advantages include face-to-face interaction and the ability to ask questions directly. Compare rates and terms from multiple lenders.

Weigh the ease of online access against the personalized service of a local lender.

Short-Term Credit Regulatory Authority in Orange, California

The California Department of Financial Protection and Innovation (DFPI) oversees short-term lenders operating in Orange. You can use the DFPI’s website to verify licenses, file complaints, and access consumer protection resources. Familiarize yourself with the DFPI’s role for responsible borrowing.

How Much Time Do I Have to Pay Off My Payday Loan?

In California, the maximum loan term for a payday loan is 1 month. You must repay the loan, including all fees and interest, within this timeframe. There are no rollovers allowed, meaning you cannot extend the loan term by paying a fee and borrowing the money again.