Payday loans in California are generally permitted.  However, a payday lender in California is limited to loan amounts less than $400.  A lender may charge a fee for a payday loan, but it cannot exceed 15 percent of the face amount of the check or the amount of the loan.

California has enacted additional protections for Military borrowers.  Any person who violates any provision of §670 of the John Warner National Defense Authorization Act for Fiscal Year 2007 (Public Law 109-364) or any provision of §232 of Title 32 of the Code of Federal Regulations, as published on August 31, 2007, in Volume 72 of the Federal Register, violates this division.