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Payday Loan Rules in California
Allowed – regulated payday
| Maximum amount | $300 check face amount (typically $255 net at max fee) |
|---|---|
| Loan term | Up to 31 days |
| Rate / fee rule | Fee ≤15% of check face amount |
| Regulatory basis | Cal. Fin. Code §23000 et seq.; CDDTL |
Key Rules
- A $300 check can yield $255 cash after a $45 maximum fee
- no extra fee for an extension
- DFPI license required
Regulatory reference: review the cited regulator or statute summary. · NCSL 50-state payday lending summary State rules can change; confirm current terms before borrowing.
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