A tiered structure — small advances cap fees at 15%, larger ones fall under a separate 36%+ rate limit.
What a Cash Advance Costs in California
California's Deferred Deposit Transaction Law caps advances up to $300 at a 15% maximum finance charge.
Loan Size, Term, and Renewal Rules
Larger amounts, from $2,500 to $10,000, fall under the California Financing Law (AB 539) instead, capped near 36% plus the federal funds rate with a term of 12 months or more.
| Factor | Rule |
|---|---|
| Small advance (≤$300) | 15% max finance charge |
| Larger loan ($2,500–$10,000) | ~36% + federal funds rate, 12+ month term |
Verify current rules with the California Department of Financial Protection and Innovation before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in California
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