California Installment Loan

Learn everything about a California installment loan from the trusted experts at WireLend. If you need to cover some short term expenses, we may be able to help.

No faxing required. WireLend works with direct lenders to help get people approved for a California installment loan.

Complete our easy application and within minutes you may receive an installment loan offer. If you like the terms you can agree to the loan terms, the money may be sent directly to your bank account. We have lenders licensed in California that are ready to finance you.

Installment Loans from Direct Lenders in California

A CA Installment loan is designed to help people with short term money needs that may have good credit or bad. We have relationships with many direct lenders that are prepared to make you an offer. Use short term credit responsibly. The money may be deposited directly to your checking account. Must be 18 or older in California.

California No Fax Loans | Use E-Signature

In most cases you are not required to fax documents to get a loan. You can use an e-signature or esign to complete the loan documents. Saving you time and money so you don't have to run around town faxing. We all know how traffic in California can be a huge headache. Especially, if you are in the Los Angeles area and have to commute the 405.

How Can I Get an Installment Loan With Poor Credit?

Just because you have a poor credit score does not mean borrowing money is out of your reach. A California bad credit loan usually has higher interest rates than a traditional long term financial solution. Be sure this type of financing fits your budget before committing to a personal finance agreement.

Are Installment Loans Legal in California?

Yes, installment loans are perfectly legal in California. All lending companies must abide by the Federal Military Lending Act. This act states that no lender can charge more than 36% APR to a member of the United States military. Legislation in the Golden State is always changing so you may want to check out the current laws and statutes before applying for CA personal loans. Be sure you are being treated fairly.

What Are Your Short Term Loan Options in California?

There are many ways to get short term financing in CA. Depending on if your live in the Northern or Southern part of the state, It may be easier for you to find a local credit union or bank. Many people prefer the online lending because it is easy, fast, and inconspicuous. Let’s take a look at some of your potential loan products.

  • Banks - A traditional lending choice that will likely check your FICO credit score to determine your creditworthiness. You could be approved for large amounts of money, $10,000 or more, and have years to repay the funds. You will likely need a credit score range over 620 to be considered.

  • Credit Unions - A great choice for short term financing. They also may want to analyze your financial history, but if you can get approved you should have a lower interest rate than other credit services on this list.

  • Personal Installment Loans - Likely your FICO score will not be a factor in the credit analysis. So if you have bad credit you can still be approved. More attention is paid to your monthly income and ability to repay the funds. Small loan amounts with several months to repay. Expect higher interest rates.

  • Payday Loans - A payday loan or cash advance can be a quick fix for cash but can come back to haunt you on your net payday. The full amount is usually do with extremely high interest rates.

  • Credit Cards - A popular and simple financing option. If you have a balance on your credit card to cover your expenses, this is a solid option. Your credit limit and where you need to spend the money will be the determining factor.

How do Installment Loans Differ From Payday Loans?

A payday loans are usually always due when you receive your next paycheck. So if you borrowed $200, you would be required to pay the $200 you borrowed plus the interest charged. Anywhere from $20-$40 dollars. You are limited and can only borrow $300 in California.

Installment loans give you the chance to pay the money back over time. So you might get 2-12 months to repay the funds.

CA Bad Credit Loan

How to Tell if a California Installment Direct Lender is Legit

Always be sure to analyze a direct lender before agreeing to any terms. Here are a few key data points to keep an eye on.

  1. The lender is registered with the California Department of Business Oversight (DBO). Visit the Department’s website or call them directly at 866-275-2677.

  2. Customer Service - Be sure they have a clearly displayed customer service phone number and contact information.

  3. They follow California’s Laws on consumer lending. Make sure their interest rates are clearly visible and calculated correctly.

  4. They do not allow multiple loans. High interest lenders in California are not allowed to have more than one loan out to a consumer.

Contact the DBO if you feel you have not been treated fairly or have experience predatory lending practices. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB).

How a Bad Credit Loan in California Works

People who are looking for a loans with bad credit scores are usually exhausted from jumping through hoops and submitting applicant information to multiple lenders. They just want a straightforward process and answer. Here’s how the process works.

  • Complete the easy application above

  • We attempt to match you with a lender

  • If we match you with a lender then you receive an installment loan offer

  • Review the offer

  • Decide if you want to agree to the short term loan agreement.

  • If you agree, the funds are sent via ACH to your bank account.

Information on Credit Repair

If you would like to take the steps to repair your credit so you can pay lower interest rates in the future, check out Also visit our Learning Center to read more articles on improving your credit score.


San Diego 

Los Angeles

San Jose




San Francisco

E-Sign Your Forms and No Faxing Required

In most cases California residence do not fax documents to get approved. You can use an e-signature to complete the cash loan documents. Saving you time and money so you don't have to run around town faxing. We all know how fun the CA freeways can be.

A personal loan is designed to help people with bad credit get financed. Loans offered through WireLend are installment loans with monthly payments that are applied to principal and interest. Terms are usually 2-12 months to complete the loan payments. No collateral required, this financing is unsecured. Your signature is your collateral. Please use short term funding responsibly. The money may be deposited directly to your bank account. The payment may also be taken from the same account when it is due. Must be 18 or older in California. 


California Loans with Direct Deposit

If you are approved and accept a loan offer. The funds will be transferred to your checking account via direct deposit. Lenders in our network do not run a typical credit check so even if you have bad credit you still could get approved. Also the application will not show up on your report. Lenders may run a soft check to view your recent personal loan activity. 

What are the requirements?

  • Government issued photo ID
  • Proof of income
  • Proof of residence


What to Expect with Personal Loans in CA

Just because you have bad credit or no credit does not stop you from getting money. Complete the easy application now and you can get the money you need direct deposit to your bank account. A California signature loan offers you monthly installment payments so you can pay the money back over equal monthly payments over the coming months. These loans are becoming much more popular than payday loans. They generally are easier to handle and offer longer pay back periods.

Can I get a Loan in CA if I Have Bad Credit?

The answer is yes, there are many financing options in CA for people with bad credit. We discuss them in detail below. You can look at local options and depending on which part of the state you live in, either will be many or few. Almost everyone goes to the internet now for short term loans and in only a few minutes you could likely be approved. Even if it is not the full amount you were hoping for. Credit reporting and credit history are not considered for this short term financing.

How much can I qualify for with an Installment loan in California $500 | $1000 | $1500 | $2000?

You could get financed in for a California signature loan simply by completing our application. Financial institutions in CA are governed by the California Department of Business. All lenders are required to abide by the laws and regulations. Funds are usually delivered on the following business day.

San Jose | Stockton | Riverside | Oakland | Gazelle | Fresno Long Beach | Bakersfield | Modesto | San Francisco

I live In CA and need to borrow money ASAP, what are my best options?

It does not matter which CA city you live in. If you need to get money to your bank account ASAP then we may be able to get you approved for a CA signature loan in just minutes. There is never a good time to need money. Life can be rolling along at a nice easy pace and then bang you get hit with a medical bill or your cars transmission decides it is ready to retire.

There are a ton of reasons you might need money in a hurry. That's your business. Our business is to match you with a lender that is ready to process your application and hopefully get you approved. Your financial history with the 3 national credit bureaus will not be a factor in the application process. Short term funding options include:

  • Signature Installment Loans - Offered Here With WireLend
  • Cash Advance - Payday Advance
  • Personal Loans
  • Credit Unions
  • Pawn Store Loans

What are the interest rates and loan terms I can expect to pay?

Loan companies are required to disclose all interest rate, annual percentage rate (APR), duration, amount of the payments, and any fees associated with the financing including origination fees or documentation fees. All terms will be clearly laid out for your viewing before you are required to commit to any financing. You will have several months to repay the funds. 

San Diego | Los Angeles | Redding

Relevant Loan Terms - California Code, Civil Code - CIV § 2954.11

(1) “Open-end credit plan” has the meaning set forth in Regulation Z of the Federal Reserve System ( 12 C.F.R. 226.2(a)(20) ).

(2) “Installment loan” means any loan specified in subdivision (h) extended under an installment loan feature.

(3) “Installment loan feature” means a feature of an open-end credit plan which provides for a separate subaccount of the open-end credit plan pursuant to which the principal of, and interest on, the loan associated with that subaccount are to be repaid in substantially equal installments over a specified period without regard to the amount outstanding under any other feature of the open-end credit plan or the payment schedule with respect to the other feature.

(b)(1) Except as otherwise provided by statute, the borrower under any installment loan shall be entitled to prepay the whole or any part of the installment loan, together with any accrued interest, at any time.

(2) With respect to any installment loan, nothing in this section shall preclude a borrower from becoming obligated, by an agreement in writing, to pay a prepayment charge;  but only a prepayment made within five years of the date the installment loan is made may be subject to a prepayment charge and then solely as herein set forth. An amount not exceeding 20 percent of the original principal amount of the installment loan may be prepaid in any one 12-month period without incurring a prepayment charge. A prepayment charge may be imposed on any amount prepaid in any 12-month period in excess of 20 percent of the original principal amount of the installment loan, which charge shall not exceed an amount equal to the payment of six months' advance interest on the amount prepaid in excess of 20 percent of the original principal amount of the installment loan.

Who do I contact in California with a consumer lending complaint?

California Department of Business Oversight (DBO)

The Department of Business Oversight (DBO) regulates a variety of financial services, products and professionals. The Department oversees the operations of state-licensed financial institutions, including banks, credit unions, money transmitters, issuers of payment instruments and travelers checks, and premium finance companies. Additionally, the Department licenses and regulates a variety of financial businesses, including securities brokers and dealers, investment advisers, deferred deposit (commonly known as payday loans) and certain fiduciaries and lenders. The Department regulates the offer and sale of securities, franchises and off-exchange commodities.

300 S. Spring Street, Suite 15513
Los Angeles, CA 90013- 1259
(213) 897-2085
FAX (213) 897-8860

320 West 4th Street, Suite 750
Los Angeles, CA 90013-2344
(213) 576-7500
(866) 275-2677

1810 13th Street
Sacramento, CA 95811
IMS # F-04
(916) 322-5966
FAX (916) 445-2123

1515 K Street, Suite 200
Sacramento, CA 95814-4052
(916) 445-7205
(866) 275-2677

45 Fremont Street, Suite 1700
San Francisco, CA 94105-2219
(415) 263-8500
FAX (415) 288-8830

One Sansome Street, Suite 600
San Francisco, CA 94104-4428
(415) 972-8565
(866) 275-2677

7575 Metropolitan Drive, Suite 108
San Diego, CA 92108
(619) 682-7227
FAX (619) 682-7217

1350 Front St. #2034
San Diego, CA 92101-3697
(619) 525-4233
(866) 275-2677