Payday Loans Torrance CA: Cash, Checks and Money Orders
Need payday loans in Torrance? Our state-licensed store on W Carson Street lends up to $255 and also cashes checks and sells money orders.
- Serving LA County since 1999
- Licensed by California DFPI
- Loans up to $255 (legal max)
Approval is not guaranteed. Licensed by the California DFPI.
Looking for payday loans in Torrance, CA? CC California Cash has served Los Angeles County since 1999 from our store at 1223 W Carson Street. We are licensed by the California Department of Financial Protection and Innovation (DFPI), so you deal with a state-licensed lender in person.
A payday loan from us is a short-term tool for an emergency, and we can lend up to $255 against a $300 check. You can also cash checks, buy money orders and pay bills at the same counter. Start a request at /apply/ or visit us to talk it through with our staff.
See what a California payday loan costs
Move the sliders. California caps the fee at 15% of the check, so the numbers below are the legal maximum. The store gives you the exact cost in writing before you sign.
Fee = 15% of the check amount (about $17.65 per $100 you receive), never more than $45.
Estimate only. Approval is not guaranteed.
Get your cash in 3 steps
- 1Visit or call our store
Stop by 1223 W Carson Street in Torrance or call (310) 787-7587 to talk with our staff.
- 2Start your request online
Use our online request form to begin, knowing that it does not promise approval, amount or timing.
- 3Review the numbers and sign
Check the loan amount, the fee and the due date before you write a check and sign.
Check cashing and payday loans near me
Covering a bill before payday
A short loan can help with rent, a utility bill or a car repair between paychecks. Borrow only what you can repay on the due date.
Cashing a payroll or government check
Bring a payroll or government check and ask about our check cashing fee, which follows California law.
Keeping your information local
An in-person, state-licensed store keeps your information close to home instead of with an internet-only lender.
Living in or near Torrance
We sit near Harbor Gateway, the 110 and the 405, so residents of Carson, Harbor City and Lomita can get here quickly.
Needing a money order
Low-cost money orders are accepted widely, a simple option when you need a payment method other than cash. Ask at the counter for the current fee.
Looking for an in-store discount
Apply in person and ask about the discount we offer to customers who come in to our store.
What to bring
- Valid government photo ID (driver's license or state ID)
- Your most recent pay stub or proof of income
- An open checking account and a personal check
- A phone number where we can reach you
Call (310) 787-7587 before you come to confirm what you need.
Payday loan vs other options
| Option | When it fits | What to watch |
|---|---|---|
| CC California Cash payday loan | Licensed, in person, and capped at $255 by state law. | Fees are high, so use it only for a short-term emergency. |
| Credit union small loan | May cost less for members who qualify. | Membership and approval can take longer. |
| Bank overdraft | You may already have the account. | Overdraft fees can add up quickly. |
| Credit counselor | Reviews your whole budget with you. | Works best when you can plan ahead. |
Rate and term chart
| Advance (amount financed) | Fee (finance charge) | Check amount (total of payments) | APR, 14-day term | APR, 30-day term |
|---|---|---|---|---|
| $100.00 | $17.65 | $117.65 | 460.16% | 214.74% |
| $150.00 | $26.48 | $176.48 | 460.16% | 214.74% |
| $200.00 | $35.30 | $235.30 | 460.16% | 214.74% |
| $255.00 | $45.00 | $300.00 | 460.16% | 214.74% |
Annual percentage rate
The APR is the cost of your loan expressed as a yearly rate. The APRs above are based on one payment (the check amount) due in 14 or 30 days. The APR goes up if your term is shorter and down if it is longer.
Returned check policy
A check returned after deposit carries a one-time $15 fee, as California law allows. You cannot be prosecuted or threatened with prosecution for a returned check in a deferred deposit transaction.
No rollovers
Your loan must be paid in full by the due date. There are no extensions, rollovers or refinancing; once your loan is paid you can borrow again.
If you cannot repay
We contact customers by phone or email and follow federal collection rules. If there is no intent to repay, we may take legal action and court costs can apply, and your credit score may be hurt. If you are facing hardship, talk to us early and consider a nonprofit credit counselor.
Our Torrance store
CC California Cash
1223 W Carson Street
Torrance, CA 90502
Across from Harbor-UCLA Medical Center, in the Starbucks parking lot.
Hours: Mon–Fri 9:00 AM–6:00 PM
Sat–Sun 10:00 AM–4:00 PM
More details
How payday loans work at our Torrance store
You write us a check for the loan amount plus the fee, and we give you the cash. The most you can receive is $255 on a $300 check. The $45 fee on that loan is the legal maximum in California.
The lender may hold the check for up to 31 days, and you must pay the loan in full before you can take out a new one. Payday loans are for short-term emergencies, not a long-term solution. Ask our staff to walk you through the numbers before you sign.
Our rates and fees, in plain numbers
Our fees follow California law and our posted rate chart. Here are the examples people ask about most:
- $100 advance: $17.65 fee, $117.65 check.
- $200 advance: $35.30 fee, $235.30 check.
- $255 advance (the maximum): $45.00 fee, $300.00 check.
The APR is 460.16% on a 14-day loan and 214.74% on a 30-day loan. Payday loans cost more than most other kinds of credit, so compare before you borrow. A returned check carries a one-time $15 fee. We do not allow extensions, rollovers or refinancing.
Check cashing, money orders and more
Our store does more than payday loans. We cash government and payroll checks with fees that follow California law. We also cash payroll debit cards and EBT-type debit cards.
Money orders are low-cost (ask at the counter for the current fee), and you can pay many bills in one place, send money with MoneyGram or buy a cell phone card. Read more on our check cashing page or see the full services list.
Why Torrance residents choose a local lender
We have served LA County since 1999, and our staff is friendly and courteous. Because we are an in-person, state-licensed store, your information stays local instead of with an internet-only lender.
Bad credit is not an automatic no at our store, but approval is not promised. Our staff aims to qualify you within 15 minutes. Apply in person and ask about the discount we offer to people who come in.
Frequently asked questions
How much can I borrow with a payday loan in Torrance?
The most you can receive from our store is $255. California law allows a check of up to $300, and the fee can be at most 15% of that check, which is $45.
Where is the CC California Cash payday loan store?
We are at 1223 W Carson Street in Torrance, CA 90502, in the South Bay area of Los Angeles County. We are across from Harbor-UCLA Medical Center and in the same parking lot as a Starbucks.
Is CC California Cash a licensed payday lender?
Yes. We are licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Deferred Deposit Transaction Law and the California Financing Law. You can check a license or file a complaint with the DFPI at dfpi.ca.gov or by calling 1-866-275-2677.
Can I start a payday loan request online instead of in the store?
Yes, you can start a request through our online form. An online request does not promise approval, amount or timing, so you can also call or visit our Torrance store to talk through your options first.
What happens if my payday loan check bounces?
A returned check carries a one-time $15 fee. In a California deferred deposit transaction you cannot be prosecuted for a returned check, but you should talk to us right away if you cannot pay.
Can I roll over or extend a payday loan?
No. We do not allow extensions, rollovers or refinancing. The loan must be paid in full before a new one can be made.
Do you also cash checks and sell money orders?
Yes. We cash government and payroll checks with fees that follow California law. Our money orders are low-cost, so ask at the counter for the current fee.
More ways we can help
- California Payday Loans: Rules, Limits and Licensed Lenders
- Payday Loans Los Angeles: Licensed South Bay Store
- Payday Loans Long Beach CA: Our Torrance Store Is 15-20 Minutes Away
- Payday Loans Gardena CA: A Short Drive to Our Torrance Store
- Payday Loans Carson CA: A Short Trip to Our Torrance Store
- Payday Loans Near Me at Our Torrance Store
- Check Cashing Torrance CA: Payroll and Government Checks
Helpful guides
Visit us in Torrance or start your request online
Visit CC California Cash at 1223 W Carson Street, Torrance, CA 90502, across from Harbor-UCLA Medical Center. You can also call (310) 787-7587 to ask questions before you come in.
An online request does not promise an approval, amount or timing, so you can start at /apply/ and then call or visit us to go over your options. Find directions on our location page.
Payday loans are meant for short-term emergency needs, not a long-term financial solution. CC California Cash is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Approval is not guaranteed; the amount and cost depend on your information and California law.