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Payday Loans in Los Angeles, CA: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Los Angeles through licensed lenders regulated by the CA DFPI. Under state law, you can borrow up to $300 for a term between 7 and 31 days, with fees capped at 15% of the check face value. The maximum fee any lender can charge is $45. For a household earning the median income of $74,153, a $300 loan might cover an unexpected gap, but the cost adds up quickly.
Here's what borrowing the maximum looks like. If you take out $300 for 14 days, the fee is $45. You would repay $345 total, and the APR on that example works out to about 391%. The typical APR for these loans runs closer to 460%, so your actual cost depends on how long you keep the money.
Los Angeles County · Los Angeles-Long Beach-Anaheim, CA metro area
Los Angeles borrowers and California payday laws
- Max loan amount
- $300
- Min loan term
- 7 days
- Max loan term
- 31 days
- Finance charge cap
- 15% of check face value
- Max absolute fee
- $45
- Typical APR
- ~460%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 1 active loan
- Right to rescind
- Next business day
- Governing law
- California Deferred Deposit Transaction Law
- Regulator
- CA DFPI
Payday loan cost calculator for Los Angeles
Move the sliders to see what a payday loan would cost under California rules and how it compares with local incomes.
California maximum: $300
California maximum: $15
Rollovers are not allowed in California.
- Fee
- $45
- Total to repay
- $345
- APR
- 391%
- Share of a two-week household paycheck in Los Angeles
- 1.6%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Los Angeles, CA
Licensed storefront lenders in Los Angeles with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the CA DFPI before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11252 Normandie Ave #103 Los Angeles, CA 90044 | (323) 755-9274 | — | 5.0 |
| 1514 S Vermont Ave J Los Angeles, CA 90006 | (213) 382-2390 | — | 5.0 |
| 3517 1st St Los Angeles, CA 90063 | (323) 780-4062 | — | 5.0 |
| 10005 S Central Ave Los Angeles, CA 90002 | (323) 569-4929 | — | 4.9 |
| 1009 W Martin Luther King Jr Blvd Los Angeles, CA 90037 | (323) 733-3961 | — | 4.9 |
| 1232 E Florence Ave Los Angeles, CA 90001 | (323) 584-8211 | — | 4.9 |
| 1800 W 6th St Ste 9 Los Angeles, CA 90057 | (213) 413-6257 | — | 4.9 |
| 2534 Daly St Los Angeles, CA 90031 | (323) 276-8809 | — | 4.9 |
| 2850 Crenshaw Blvd Los Angeles, CA 90016 | (323) 731-2445 | — | 4.9 |
| 3359 Whittier Blvd Los Angeles, CA 90023 | (323) 415-6600 | — | 4.9 |
| 500 E Washington Blvd Los Angeles, CA 90015 | (213) 741-0451 | — | 4.9 |
| 5136 N Figueroa St Los Angeles, CA 90042 | (323) 344-4242 | — | 4.9 |
| 5609 Sunset Blvd Hollywood, CA 90028 | (323) 461-2301 | — | 4.9 |
| 6214 S Vermont Ave Los Angeles, CA 90044 | (323) 789-4990 | — | 4.9 |
| 653 E El Segundo Blvd Los Angeles, CA 90059 | (323) 756-1443 | — | 4.9 |
| 7205 S Figueroa St Los Angeles, CA 90003 | (323) 789-1210 | — | 4.9 |
| 8608 S Vermont Ave Los Angeles, CA 90044 | (323) 753-2274 | — | 4.9 |
| 1561 Sunset Blvd Los Angeles, CA 90026 | (213) 481-0241 | — | 4.8 |
| 1754 W Slauson Ave c Los Angeles, CA 90047 | (323) 298-8850 | — | 4.8 |
| 3619 S La Brea Ave Los Angeles, CA 90016 | (323) 290-5991 | — | 4.8 |
| 4003 S Western Ave #102 Los Angeles, CA 90062 | (323) 294-9817 | — | 4.8 |
| 4915 Eagle Rock Blvd Eagle Rock, CA 90041 | (323) 478-0485 | — | 4.8 |
| 5280 E Beverly Blvd A Los Angeles, CA 90022 | (323) 832-0248 | — | 4.8 |
| 4948 W Pico Blvd Los Angeles, CA 90019 | (323) 964-1247 | — | 4.7 |
| 1008 N. Vermont Los Angeles, CA 90029 | (323) 953-4880 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 10100 Santa Monica Blvd Suite 300 Los Angeles, CA 90067 | (562) 402-8400 | — | — |
| 8939 S Sepulveda Blvd #261 Los Angeles, CA 90045 | (310) 670-2727 | — | 4.4 |
| 6255 Sunset Blvd #120 Los Angeles, CA 90028 | (323) 856-5500 | — | 4.0 |
| 4927 N Eagle Rock Blvd Los Angeles, CA 90041 | (323) 540-4920 | — | 3.9 |
| 6404 Wilshire Blvd Ste 750 Los Angeles, CA 90048 | (213) 310-4998 | — | 3.2 |
| 2190 W Washington Blvd Los Angeles, CA 90018 | (310) 803-9222 | — | 4.9 |
| 4165 Beverly Blvd Unit 105 Los Angeles, CA 90004 | (310) 953-3594 | — | 4.9 |
| 2023 W 7th St Los Angeles, CA 90057 | (310) 773-4573 | — | 4.8 |
| 3474 E Cesar E Chavez Ave Los Angeles, CA 90063 | (323) 545-6889 | — | 4.8 |
| 4369 S Central Ave Los Angeles, CA 90011 | (310) 919-4348 | — | 4.8 |
| 7225 S Figueroa St Los Angeles, CA 90003 | (310) 933-4900 | — | 4.5 |
| 944 Slauson Ave Los Angeles, CA 90011 | (310) 803-9000 | — | 4.2 |
| 11401 S Figueroa St Los Angeles, CA 90061 | (323) 779-2571 | — | 4.9 |
| 3447 E Cesar E Chavez Ave Los Angeles, CA 90063 | (323) 268-2825 | — | 4.9 |
| 3555 W Slauson Ave Los Angeles, CA 90043 | (323) 296-0260 | — | 4.9 |
| 454 W Florence Ave #102 Los Angeles, CA 90003 | (323) 751-7509 | — | 4.9 |
Los Angeles at a glance
| Metric | Los Angeles | California | United States |
|---|---|---|---|
| Population | 2.4M | 39.2M | 332.3M |
| Median household income | $74,153 | $102,369 | $85,275 |
| Median rent | $1,781/mo | $2,042/mo | $1,432/mo |
| Income spent on rent | 37.0% | 34.0% | 31.6% |
| Homeownership | 29.3% | 56.5% | 65.4% |
| Poverty rate | 19.3% | 12.0% | 12.6% |
| Unemployment rate | 8.4% | 6.5% | 5.3% |
| Without health insurance | 11.4% | 6.9% | 8.6% |
| Veterans | 1.8% | 4.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Los Angeles
- Fee on a $300 loan
- $45
- Share of a two-week household paycheck
- 1.6%
- Hours of work at the local median wage
- 2.5 hours
- Rollovers
- Not allowed in California
Example based on the California maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loans in Los Angeles: how to apply
Financial emergencies rarely wait for payday. For residents seeking quick funds in Los Angeles, we provide a connection to reputable, state-licensed lending partners.
Submit a request online without leaving your house, get a rapid lending decision and, if approved, see the cash in your account by the following business day.
Why Los Angeles residents use us
- Fast 5-minute request A browser-based request you finish without visiting a loan shop.
- Bad credit considered Decisions center on verifiable current income rather than only historical credit marks.
- Borrow up to $300 Loan terms must comply with the California Deferred Deposit Transaction Law.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Los Angeles residents: Use payday credit only for temporary shortfalls, not as a permanent fix. Under California law (California Deferred Deposit Transaction Law), fees, interest and loan sizes are restricted. Examine the contract closely before you agree.
Read more about borrowing in Los Angeles
Who runs payday stores in Los Angeles
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 24 | 59% | 4.9 |
| Oportun | 7 | 17% | 4.7 |
| OneMain Financial | 4 | 10% | 3.9 |
| Speedy Cash | 4 | 10% | 4.9 |
| Advance America | 1 | 2% | — |
| loanDepot | 1 | 2% | — |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Los Angeles in context
- Population rank in California
- 1st
- of 213 California cities with 50,000+ residents
- Median household income rank
- 183rd
- of 213 California cities with 50,000+ residents
- Households earning under $25,000
- 20.0%
- ▲ 7.4 pts vs CA
- Median home value
- $981,469
- ▲ 25% vs CA
- Home value to income
- 13.2×
- A $400 emergency expense
- 2.0 days
- of median household income
Los Angeles at a glance: budgets and payday costs
Los Angeles in Los Angeles County is home to about 2,384,216 residents, the largest of the 213 California cities we cover. The median household income in Los Angeles is $74,153, noticeably lower than California overall ($102,369) (below the U.S. figure).
Repaying a $300 payday loan plus its $45 fee would use about 1.6% of a typical Los Angeles household's biweekly pay, or about 2 hours of work at the local median wage. Households in Redondo Beach earn a median of $141,044, 90% more. Locally, you will find 41 licensed loan storefronts, most of them ACE Cash Express, 14 credit unions, 307 bank branches and 48 pawn shops in Los Angeles.
Median rent in Los Angeles is $1,781 a month (13% below the California median of $2,042). At 37.0% of income going to rent, many renters have little room for a surprise bill. About 19.3% of people here are below the poverty line; statewide it is 12.0%. Roughly 20.0% of households earn under $25,000 a year. Unemployment stands near 8.4% (statewide: 6.5%). With 11.4% of residents uninsured, medical bills are a common reason people look for short-term credit. About 29.3% of homes are owner-occupied, so 70.7% of households rent.
The median home value is $981,469 (25% above the California median). The price-to-income ratio is near 13.2. Per person, median income is about $38,159. Los Angeles is part of the Los Angeles-Long Beach-Anaheim, CA metro area.
Los Angeles and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Los Angeles | 2,384,216 | $74,153 | $1,781 | 19.3% |
| Burbank | 108,959 | $97,147 | $2,106 | 10.6% |
| Montebello | 61,615 | $74,833 | $1,771 | 12.8% |
| Redondo Beach | 77,927 | $141,044 | $2,510 | 5.0% |
| Norwalk | 100,808 | $98,709 | $2,014 | 9.8% |
Source: U.S. Census Bureau American Community Survey estimates.
Los Angeles payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Los Angeles borrowers
How much do households earn in Los Angeles?
Census estimates show a median household income of $74,153 and a median rent of $1,781 a month in Los Angeles.
Where can I borrow locally in Los Angeles?
Our directories list 41 licensed loan storefronts and 14 credit unions in Los Angeles, California. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Los Angeles renters spend on housing?
Renters in Los Angeles spend about 37.0% of their income on housing, against a 30% affordability benchmark, and 19.3% of residents live below the poverty line (statewide: 12.0%).
Can I still get a loan in Los Angeles if my credit is bad?
You could be eligible. The network emphasizes your current ability to repay through steady income and an active account, not solely past credit marks. No lender promises approval.
What are the minimum requirements for Los Angeles residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Los Angeles or the surrounding California area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).