California Payday Loan

California Payday Loan

Maximum Loan Amount


Maximum Loan Terms

31 days

No Early payment penalty


$17.64 per $100.00

Amount Provided Fee Amount of Check 14-Day Annual Percentage Rate 30-Day Annual Percentage Rate
$100 $17.65 $117.65 460.10% 214.70%
$200 $35.29 $235.29 460.10% 214.70%
$255 $45.00 $300.00 460.10% 214.70%

California Payday Loan Terms

BCY Financial Services Inc. as a direct lender for payday loans and will manage your loans from beginning to end. We deposit your loan directly into your checking account and withdraw the amount due (loan principal and the fee) automatically via ACH from your checking account on your loan due date. Your due date of your loan is tied to your next pay date.

Maximum Loan Amount

California law dictates Deferred Deposit Transactions cannot exceed $255 for a total check amount of $300.

How Your Due Date Is Determined

The term of these payday loans is 4-31 days. The system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal. Our system supports repayment term of Bi-weekly, semi-monthly (twice monthly) and monthly payment schedules. If you need an alternative method of payment, please call 1-800-710-0068. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in California.

Returned Payment Fee:

$12 for any check, money order, payment (whether tangible or electronic), transfer or other instrument or item that is rejected or returned for any reason.

Maximum Loan Terms:

California law dictates Deferred Deposit Transactions loan term cannot exceed 31 days.

Late Charge:

$10 on any payment not paid in full within 10 days of the scheduled payment date.


There is no prepayment penalty.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of California. If your authorized ACH debit is returned for any reason you agree to the following:

You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.

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