Payday Loan FAQs

A payday loan is a loan that can provide you with the extra cash you need between paydays. In California, the amount available ranges between $100 - $255.  A payday loan is not meant to be used for long-term financial issues, but as a way to contend with short-term cash flow problems.
To review all the terms and fees associated with payday loans, please review your loan documents. Your loan representative will review all of the terms and fees with you prior to you signing any of the loan documents.
The only items you need to qualify for a payday loan include:
  • An active checking account
  • Most recent paystub
  • Must be 18 years of age or older
  • A state-issued photo ID
  • A blank check
In the state of California, you could be eligible to receive anywhere from $100 - $255 in payday loan cash.  When you visit a Fast Auto & Payday Loans, Inc. location, your loan amount will be determined. The amount will be based on the lender underwriting, your income and ability to repay the loan.
Once you have completed the necessary paperwork and your payday loan is approved, you will receive your loan amount at the location you visit.
Yes! Your credit history is not a factor in being approved for a payday loan. Additionally, discharged bankruptcy, charge offs, bounced checks or other credit problems are not a factor in your ability to obtain a payday loan.
When you come to any of our Fast Auto & Payday Loans, Inc. locations, you could receive the cash you need in as little as 30 minutes.
To view the complete details, please navigate to the Consumer Disclosure page found in the menu. Please note that payday loans are not designed to solve long-term financial issues.
The terms and frequency of payday loans vary. To find out if you can be approved, please contact your loan representative at the Fast Auto & Payday Loans, Inc. location you intend to visit.
If you default on your loan, Fast Auto & Payday Loans, Inc. DOES NOT report to credit agencies.
The terms of your loan may vary. Generally, when you receive your next paycheck, your payday loan will be due. To find out the exact terms and conditions, please review your loan agreement.
Here at Fast Auto & Payday Loans, Inc. our loan representatives are able to setup payment arrangements in accordance with state regulations if an unexpected expense arises that stops you from being able to make your full payment.
In California, you can re-apply for another payday loan as soon as you have paid off your existing payday loan. However, some cities in California mandate a waiting period prior to being able to re-apply for another payday loan. Please check with your local loan representative for full details.
Yes, in most cases you can refinance your payday loan. Please check with your local Fast Auto & Payday Loans, Inc. loan representative for full details.
To ensure you satisfy your payday loan obligations, the loan representatives at Fast Auto & Payday Loans, Inc. will work with you to setup payment arrangements that are in accordance with state regulations.
When you arrive at a Fast Auto & Payday Loans, Inc. location, you could be approved in as little as 30 minutes for your payday loan.
Fast Auto and Payday Loans

When you’re ready to get the emergency cash you need without all the hassles of a traditional loan, Fast Auto and Payday Loans has you covered. It doesn’t matter what has left you in need of cash, because with a car title loan you could get up to $15,000 today.

You will be on your way to our store in no time since the call only takes a few minutes. All you need is the following items:

  • Driver’s License or State Issued I.D.
  • Lien-Free Title to Your Vehicle
  • Your Vehicle for Inspection

We also welcome all credit, so fill out our online request form and get started now!