Very welcoming and friendly staff. They helped me with the whole process
April 10, 2026
California Payday Loans
Apply online or in-store and get $255 today!
Everything was very fast and hassle-free. Thank you for helping!
March 28, 2026
One of the best companies in Stockton!
March 14, 2026
Very fast deposits and attentive guys in the Chula Vista store
March 7, 2026
Daniel was so professional and friendly. Highly recommend if you are in Redding
February 20, 2026
Reviews are from customers who voluntarily provided feedback. Individual experiences are not typical of all applicants.
Our Locations in California
- Chula Vista, CA 333 H St. suite 250, Chula Vista, CA 91910 (619) 932-5568
- Redding, CA 2150 Churn Creek Road suite 250, Redding, CA 96002 (530) 561-6240
- Saugus, CA 28100 Bouquet Canyon Road suite 209, Saugus, CA 91350 (661) 486-5369
- Stockton, CA 6 South El Dorado Street suite 200, Stockton, CA 95202 (209) 299-4482
Available Loans in California
Payday Loans
$100–$255
Up to 31 days
Best for: car repairs, urgent household expenses, utility bills.
Learn More
Installment loans
$500–$5,000
2–48 months
Best for: vehicles, expensive electronics, medical bills.
Learn More
Loan amounts, rates, and repayment terms depend on the lender and the borrower’s eligibility. All loans must comply with California state lending laws. Payday loans in California are regulated by the Department of Financial Protection and Innovation.
Select loan amount
$500
$100$1000
Pay Cycle
Loan Amount$500
Finance Charge ($15 per $100)$75.00
Total Repayment$575.00
Estimated APR (14-day term)391%
About Cash Loans Bear in California
Cash Loans Bear in California offers loan options for a range of personal financial needs. Our payday loans can help cover short-term cash needs, while installment loans are better suited for larger expenses or planned purchases. Apply online through our simple application process or visit one of our California stores for in-person assistance. We work with borrowers across a range of credit backgrounds and provide a quick, straightforward application process.
Here’s why borrowers choose us:
- Online and in-store loan options across California
- Fast and secure application process
- Loan options with no hard credit check
- Quick approval decisions for qualified applicants
- Same-day funding options
Cash Loans Bear Helps with:
What Do You Need to Apply?
- Full name, email, and phone number
- Be at least 18 years old
- Valid ID and Social Security number
- Bank account and routing numbers
- Proof of income (at least $1,000 per month)
- Proof of address
- Your employer’s contact details
In some cases, lenders may require additional documents, depending on the situation.
How to Apply for Loans in California?
1
Complete an application
Submit a secure online form or visit one of our stores for in-person assistance.
2
Get a decision
Most applicants receive one within 15 minutes because the process does not involve a hard credit inquiry.
3
Access the funds
If approved, read and sign the loan agreement to finalize your loan. The money will be transferred into your bank account within 1 business day*.
Frequently Asked Questions
When you apply for a $255 payday loan online, the money may be transferred to your bank account the same day if you complete the process before 10:30 AM on a business day. Otherwise, the funds will be deposited on the next business day. California residents can also visit one of our stores and receive cash immediately by providing a post-dated check.
It depends on the lender. At Cash Loans Bear, loans usually do not involve a hard credit check. However, a soft inquiry is still performed to evaluate your eligibility. Avoid lenders who advertise loans with no credit check at all. They typically drive borrowers into debt and charge high late and rollover fees.
A limit of $255 is set by California law to protect borrowers from debt cycles. As payday loans need to be repaid over a short period, borrowing a high amount can make it difficult to manage debt. However, you can borrow more with our installment loans, up to $5,000.
