Submit Your Secure Inquiry
Start by completing our quick, encrypted inquiry form. You’ll provide basic details so we can match you with the right lending partner. While each lender in our network sets its own criteria, most look for:
- Being at least 18 years old and a California resident.
- A verifiable, steady source of income (typically $1,000+ per month).
- At least 90 days of continuous employment or consistent income history.
- An active personal checking account in your name.
- A valid government-issued ID, working phone number, and email address.
Secure Matching & Verification
Once you submit your inquiry, our 256-bit encrypted system securely shares your profile with vetted, California-compliant lender partners. When a lender indicates they can work with your financial profile, they will contact you directly to collect any additional verification needed—such as recent pay stubs, bank statements, or proof of residency.
Note: Payday Plus is a loan referral service and does not make lending or credit decisions.
Review, Sign & Receive Funds
After your lender completes their underwriting review, you’ll receive a transparent digital loan agreement outlining your exact loan amount, Annual Percentage Rate (APR), finance charges, and repayment schedule. Once you electronically sign, your approved funds are deposited directly into your checking account via ACH as soon as the next business day. No branch visits, no check-cashing fees, no delays.
🔒 Privacy & Data Security
Your information is protected with bank-level 256-bit SSL encryption from the moment you submit your inquiry. We only share your data with licensed lender partners in our vetted network for the sole purpose of processing your loan request. We never sell your personal information to third-party marketers and remain fully compliant with the California Consumer Privacy Act (CCPA).
📜 Repayment, Compliance & Borrower Rights
💳 Automated Repayment (ACH)
Many of our lender partners offer automatic ACH withdrawals on your scheduled due date to help you avoid missed payments. This feature is always disclosed in your loan agreement, and you retain full control over your repayment schedule.
⏰ Late Payments
Late payment policies vary by lender and are strictly governed by California state regulations. If you anticipate difficulty making a payment, contact your lender before your due date. Proactive communication often opens the door to temporary payment arrangements.
🚫 Loan Extensions & Rollovers
California law strictly prohibits the rollover of payday loans. You cannot use a new payday advance to pay off an existing one with the same lender. Every short-term loan must be fully repaid before issuing a new one. Ask your lender about installment loan alternatives if you need longer-term flexibility.
⚠️ Loan Default
Failing to meet your repayment obligations may result in your loan being placed in default. Defaults can impact your credit profile and lead to collection activities as permitted by CA law. If you’re experiencing financial hardship, reach out to your lender immediately to discuss a responsible repayment plan.
Disclaimer: Payday Plus does not guarantee loan approval. All loan terms, APRs, fees, and repayment schedules are determined by independent, licensed lender partners and are subject to California DFPI regulations. Short-term loans should be used for immediate financial needs only. Borrow responsibly.