Does This Loan Require Collateral? – California Loans

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Q: Does this type of loan require collateral (security)?

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Q: Does this type of loan require collateral (security)?

February 4, 2026

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CaliforniaOnlineLoans.com is a dba of Cashbak LLC, and all loan servicing is handled through Cashback Loans to ensure a smooth and secure experience.
As a California licensed collector (License #10984-99), California Online Loans abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts.
If your account becomes severely delinquent, it may be turned over to a third party collection agency which may adversely affect your credit score.
California Online Loans does not offer automatic renewals. The single payment loan must be paid in full before a new loan can be instituted. Returned checks will be subject to a one time $15 fee.
California Online Loans, LLC is licensed by the California Department of Financial Protection and Innovation pursuant to the Deferred Deposit Transaction Law.

The maximum APR rate for a 14 day Payday Loan is 460% APR. Payday loan lengths range from 1 to 31 days. An $85 loan with a repayment period of 14 days at 460% Annual Percentage Rate would have a $15 fee, totaling $150.

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