$255 Payday Loans in California
Ask for a "$300 payday loan" in California and the teller hands you $255 — the $300 cap applies to the check you write, and the 15% fee ($45) comes out up front. That makes $255 the practical maximum cash amount in the state.
What $255 costs at every legal term
| You borrow | Fee (7 days) | Fee (14 days) | Fee (21 days) | Fee (30 days) | Total due (7d) | Total due (14d) | Total due (21d) | Total due (30d) | APR (7d) | APR (14d) | APR (21d) | APR (30d) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $255 | $38.25 | $38.25 | $38.25 | $38.25 | $293.25 | $293.25 | $293.25 | $293.25 | 782% | 391% | 261% | 182% |
When a $255 loan makes sense
- You want the maximum cash a California payday loan can legally hand you.
- A car repair or co-pay just exceeds what you have on hand.
- You understand you'll repay $300 total on your next payday.
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Other amounts
$255 loan FAQ
How much does a $255 payday loan cost in California?
At the statutory maximum, the fee is $38.25 — 15% of $255. You repay $293.25 on your next payday, within 31 days.
What APR is that?
On a 14-day term, $255 with a $38.25 fee works out to about 391% APR. The fee itself doesn't change with the term.
Can I get $255 with bad credit in California?
Payday lenders don't run traditional credit checks — approval hinges on income and an open checking account. That speed is exactly why the effective APR is so high.
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See what lenders in our network can offer you — checking rates won't affect your credit score. California rules apply statewide: $300 max, 15% fee, no rollovers.
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