Check Cashing Torrance CA: Payroll and Government Checks
Check cashing Torrance CA: cash payroll and government checks for fees that follow California law, at most 3% with ID.
- Government and payroll checks
- Up to 3% with ID
- Fees set by California law
Approval is not guaranteed. Licensed by the California DFPI.
Need check cashing Torrance CA? Our store at 1223 W Carson Street cashes payroll and government checks, so you can leave with cash instead of waiting for a bank to open. The fee is a percentage of the check, and California law sets the maximum, as explained below.
We have served LA County since 1999 from our South Bay location, across from Harbor-UCLA Medical Center. Below you will find how check cashing works, our rates, the checks we cash, and how to visit. If you also need a payday loan, our store offers those too.
How it works at our counter
- 1Bring your check and ID
Bring the check you want to cash and a photo ID, and ask the store which ID it accepts.
- 2Confirm the fee at the counter
Check the fee for your amount with our staff before you accept any cash.
- 3Take your cash
Once the check is accepted, we pay you cash minus the fee you already agreed to.
Payroll and government check cashing in Torrance
Need cash before the bank opens
Your paycheck may arrive when the bank is closed. Our counter lets you cash it in person instead of waiting.
No bank account
Some people do not have a bank account. Check cashing gives them a way to turn a payroll or government check into cash.
Government checks
Government checks are one of the check types our store cashes. Bring the check and ask the store which ID it accepts.
Payroll checks on pay day
Cash your payroll check when you need the money, rather than waiting for a deposit to clear. Call ahead to confirm the fee.
Your information stays local
We are an in-person, state-licensed store, so your information stays with us.
Check cashing vs a bank deposit
| Option | When it fits | What to watch |
|---|---|---|
| Check cashing at our Torrance store | Cash in hand at the counter, with fees capped by California law. | You pay a fee on each check, and the fee is a percentage of the amount. |
| Deposit at your bank | You may pay no check-cashing fee if the deposit is accepted. | You need an account, and deposits can take time to clear. |
| Wait for the bank to open | You keep the full check amount, with no fee. | Banks may be closed when your check arrives, and lines can be long. |
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 check cashing works at our Torrance store
You bring in your check and a photo ID, and our staff reviews it at the counter. If the check is accepted, we pay you cash minus our fee. We tell you the fee before you agree to the transaction.
Our store is at 1223 W Carson Street in Torrance, in the same parking lot as Starbucks and across from Harbor-UCLA Medical Center. See the store page for directions from the 110 and the 405.
Our check cashing rates
Our check cashing fees are posted at the counter and follow California law (Civil Code section 1789.35). The law sets these maximums on the face amount of the check:
- Up to 3% for a payroll or government check when you show ID
- Up to 3.5% for a payroll or government check without ID
- Up to 12% for a personal check
For example, on a $500 payroll check with ID, the fee is at most $15.00, so you receive at least $485.00 in cash. The exact fee is shown at the counter before you agree. Check cashers in California register with the California Attorney General. Call (310) 787-7587 if you have questions before you come in.
Payroll, government, and debit cards
Our store cashes government and payroll checks. We also cash payroll debit cards and EBT-type debit cards. Ask the store which other check types it accepts, since that depends on the check and the amount.
You can find all of our counter services on the services page.
Why people cash checks in person
Some people do not have a bank account, and others have a bank that is closed when their check arrives. Cashing a check in person means you have cash in hand, with no waiting for a deposit to clear. Our staff is friendly and courteous.
We are an in-person, state-licensed store, which keeps your information local. Check cashing is for people who need cash now. If you can wait, a bank deposit may cost less, so compare both options before you decide.
Frequently asked questions
How much does check cashing cost in Torrance?
At our Torrance store, fees follow California law: no more than 3% of a payroll or government check when you show ID, and no more than 3.5% without ID. Personal checks are capped at 12%. Call (310) 787-7587 to confirm the fee on your check.
Which checks can I cash at your store?
Our store cashes government and payroll checks, plus payroll debit cards and EBT-type debit cards. Call (310) 787-7587 to ask about other check types.
Do I need ID to cash a check?
Bring your check and a photo ID. Ask the store which ID it accepts before you visit.
Is check cashing the same as a payday loan?
No. Check cashing pays you the value of a check you already have, minus a fee. A payday loan is a short-term loan that must be paid in full before you can take a new one.
Can I cash a check and get a payday loan at the same store?
Yes. Our store also offers payday loans of up to $255. Payday loans are for short-term emergencies, not a long-term solution, and approval is not promised.
Where is the check cashing store in Torrance?
We are at 1223 W Carson Street, Torrance, CA 90502, across from Harbor-UCLA Medical Center and in the same parking lot as Starbucks. Call (310) 787-7587 for help.
More ways we can help
Helpful guides
Visit us or call before you come
Visit CC California Cash at 1223 W Carson Street, Torrance, CA 90502, or call (310) 787-7587 (Mon-Fri 9 AM-6 PM, Sat-Sun 10 AM-4 PM). Bring your check and your ID, and ask the store which ID it accepts. If you also need a payday loan, you can start your request online at /apply/.
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.