There are always those unexpected and urgent financial demands or bills that can’t wait until payday. Whether you want to clear any unexpected bills or need to travel on an urgent trip, we have flexible loans to help you cover expenses at Cashback Loans.

What is a Direct-lender Payday Loan?

This is a short-term loan fulfilled directly by the lender, typically repaid on the next payday. When working with a direct lender, you can cut out the middle man and work directly with the organization providing your loan! To apply for a loan, you need to have a bank account, personal identification, and regular income. The main advantage is that you can access the financial assistance you need, even if you are being turned down by ordinary financial institutions.

At Cashback Loans, we're ready to come to your rescue! We strive to provide same-day payday loans and rapid approval whenever possible!

We’re the Only Company in the Process

Where else can you find fast same-day approval in California without dealing with intermediaries? We’re the only company involved in the process, which is why you don’t have to wait for too long to access your funds. This also means that you don’t have to worry about losing critical personal information to third parties.

Advantages of Direct-lender Payday Loan

A direct lender payday loan is a great fit for a plethora of situations because you can conveniently get quick loan approval! As a direct lender, we don’t work with third parties so your information, personal data, and borrowing history is kept private.

No matter the purpose of the loan needed, we’re ready to offer a non-judgmental financial solution.

Cashback Loans' Process:

  • Fill out our online application form or apply in-store.
  • We will review the application, and if you meet the requirements, we will instantly approve your loan.
  • Once approved, you can receive your money in person at one of our Cashback Loans locations or you can opt to have the funds deposited directly into your checking account usually within 24-hours.

Get Same-day Approval for Direct-lender Payday Loans Today

Cashback Loans is a reliable payday loan direct lender that can help you pay unexpected expenses, cover monthly bills, and more. Submit your loan application now to get instant approval.

Instant, Rapid, Or Same-Day Approval

Make any day a payday with a quick and confidential cash advance from Cashback Loans. You can have cash in your hand in as little as 15 minutes. Want to apply from the comfort of your home? We offer online funding with money transferred right to your account.

Make Today My Payday!

Apply Online

Complete our online application. It’s quick, easy, and confidential.


Get Approved

If you are PreQualified, then please e-sign your loan documents to proceed to the loan funding process.


Get Cash

Cash Deposited to your Bank Account (Instantly for Qualified Bank Accounts).

Here's What You Need To Qualify For A Payday Loan Through Cashback Loans:

  • A valid, open, and active checking account
  • A steady source of income
  • A government-issued photo ID
  • An active phone number
  • A valid email address

Loan Amounts & Loan Policies

Cashback Loans is a state-licensed direct lender, which means we hold ourselves to higher compliance standards issued by both the state and federal government.

We limit our loan amounts to $300, the maximum amount allowed by the California legislature. We believe in helping you gain access to the money you need without leaving you vulnerable to an endless debt cycle.

We’re also committed to keeping your application information private. To that end, we don’t sell or share your information with any third parties. Your information is safe with us.

Apply For Your Payday Loan Online Today!

California Loan Amount & Terms

  • Select the loan amount from the below dropdown to view an example of rates and terms
  • Loan Amount Options: $150,$200,$250, $300
  • In this example, the APR on the $300 Loan is 214.83% based on the loan term of 1 monthly payment. This is only an example; the APR will vary depending on individual loan length.
  • Advance Amount: (Amount Financed): $300
  • Finance Charge: (Cost of Loan): $45.00
  • Origination Fee: NA
  • Total Cost of Loan: $45.00
  • Check Amount: (Total of Payments): $300.00
  • Example APR: 460% for a 14 Day Loan Term
  • **Annual Percentage Rate: Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 30 days. The APR will increase if the actual loan term is shorter than this example, and will decrease if your loan term is longer.
  • The minimum loan amount available to California customers is $150
  • The maximum loan amount available to California customers is $300
  • The maximum loan term is 31 days

Payday Loan Rates & Fee Schedule

  • Maximum : 300
  • Minimum : 150
  • Payment Type : Single Pay
  • Term : 1-31 days
  • 14 Day APR = 460.16%

Governing Law

The loan agreement will be governed by the applicable laws of your state. Questions or Complaints should be directed to your state's financial regulatory agency.

License and Disclosures