We know you might have some questions, so we’ve listed our top asked right here – but please reach out to our customer care team if your query isn’t listed.
A: We are a direct lender website, wholly owned and operated by Cashbak LLC (doing business as CashbackLoans.com). We specialize in providing short-term, state-regulated cash advances (payday loans) to eligible consumers throughout California.
A: Yes. Your loan application is processed, and the loan is securely serviced directly by our parent company, CashbackLoans.com, ensuring a consistent and reliable lending experience.
A: A payday loan is designed as a short-term financial solution. You borrow a small, fixed amount to cover urgent costs until your next payday. On your scheduled due date, you repay the total borrowed amount plus a single, regulated fee.
A: To be eligible for a loan through our platform, you must meet four basic criteria:
Be at least 18 years old
Be a California resident
Have a steady source of income
Possess a valid government-issued ID and an active checking account
A: Due to California state lending laws, we currently offer loan amounts capped at $300. Your specific approved amount may be $150, $200, $250, or $300, based on your individual eligibility.
A: Simply access and complete our secure, user-friendly online application form. It usually takes just a few minutes, and we strive to provide you with a decision instantly.
A: Once your loan is approved, the funds are typically deposited directly into your designated checking account. In most cases, you can receive your money as soon as the same business day.
A: Absolutely. Both californiaonlineloans.com and CashbackLoans.com are licensed lenders in California. We strictly adhere to all state regulations, ensuring fair, secure, and transparent lending practices.
A: The total cost consists of the principal loan amount plus a legally regulated fee, which is set by California law. We strongly recommend reviewing the full loan terms provided to understand the exact total repayment amount.
A: No. Payday loans are considered unsecured loans, meaning you do not have to provide any assets (like a car or home) as security.
A: Yes. We look at more than just your credit score. We evaluate multiple factors, including your income stability, which allows us to approve many borrowers with less-than-perfect credit histories.
A: Generally, no. Payday loans typically do not report to the major credit bureaus unless the account defaults and goes into collection. For credit building, consider products like secured credit cards or installment loans that actively report repayment history.
A: If you anticipate an issue, please contact us immediately before the due date. We are committed to working with you to discuss available repayment options and help you avoid unnecessary additional fees.
A: Payday loans are strictly intended for short-term financial emergencies. Due to the fee structure, repeatedly rolling over or taking out multiple loans can unfortunately lead to a harmful debt cycle. Always borrow responsibly and only what you are certain you can repay.
A: Ask yourself three critical questions:
Can I confidently afford the total repayment on my next payday?
Are there any cheaper, readily available alternatives for me?
Do I fully understand the total cost, including all fees?
A: Alternatives may include: seeking payment arrangements with creditors, borrowing from family or friends, utilizing community/non-profit aid, or exploring small personal loans/credit cards from your local credit union.
A: Our dedicated customer support team is ready to assist you! You can call us directly at (909)-483-0474 or send an email to [email protected].