Since 1997 Payday Express has been the leader in providing affordable and quick cash loans with locations throughout Los Angeles and Orange Counties to better serve you.
Getting a Payday advance is easy and confidential and it doesn’t matter if you have bad credit, no credit or a bankruptcy on your record. Chances are we can get you a fast cash loan today.
The process approval is done over the phone within minutes. We hold your personal check until payday. All you need is a valid California License, ID, or passport, personalized pre printed blank check, proof of local address, and proof of income. That's it!
Our friendly, professional staff are committed to excellent customer service, and can help you get your payday advance completed in minutes.
Come see us today and you’ll see why our customers keep coming back to us!
Contact us in Los Angeles, California, to take advantage of our easily accessible payday loans.
Payday Loan Fees/APR Payday Loan terms are based on customer’s payday and are primarily used as a short term lending solution or cash advance. Payday Loans are not recommended for longer period loans. Payday loans charge a one-time fee for the loan instead of interest. This fee is 15% of the face value of the postdated check written to the Payday loan company and held until the customer’s next payday. For example, if a customer borrows $100, they would write a check for $117.65 dated for their next payday. The $17.65 is 15% of the $117.65 and represents the fee charged by the Payday company. Payday loans are not renewable in the State of California. Customers may only have one payday advance with the same company at any time. Once a payday advance is paid back in full (principal and fee) another advance may be taken out by that customer at any time they wish to do so. Payments of fee only are prohibited by state regulations regarding deferred deposit transactions. Annual Percentage Rates (APR) vary depending on the loan amount and length of time for which the advance is taken. APR’s range from 260%-700%. Payday Loans with fees cannot exceed $300, for example, a common loan amount would be $255 with a fee of $45 In this example, for an advance taken for a time period of 14 days, the APR would be 460%. Payday Express follows the Fair Debt Collection Practices Act (FDCPA) when collecting delinquent accounts. Returned check fees may not exceed $15 and NO other fees may be charged for collection of your account. Payday Express does not report to any credit bureau or organization. However, if your account becomes delinquent and you do not make attempts to repay your debt, your account may be taken to small claims court for resolution. This may result in a judgment awarded by the court against the customer and that judgment would remain on the customer’s credit report until paid and cleared by the court. Also, there would be additional fees awarded by a small claims court judge hearing the case to cover court costs, which would then be added to your account balance. A customer cannot be criminally prosecuted or threatened with criminal prosecution for not repaying a payday loan. Payday Express may, but is not obligated, to enter into an agreement extending the terms and time to repay a loan, however, there are no additional fees or charges incurred by the customer receiving an extension, and each situation is handled individually based on customer’s history and past performance.