Legal and Licensing

Effective date: November 2, 2026

Company

CC California Cash, operated by Otane, Inc. ("California Cash"), offers payday loans, called deferred deposit transactions in California, along with check cashing, money orders, MoneyGram transfers, bill payment, DMV registration services, cell phone cards and mailbox rental from one store:

  • 1223 W Carson Street, Torrance, CA 90502 (across from Harbor-UCLA Medical Center): phone (310) 787-7587

We have served Los Angeles County since 1999.

Regulator

Payday loans (deferred deposit transactions) in California are licensed and supervised by the California Department of Financial Protection and Innovation (DFPI) under the California Deferred Deposit Transaction Law. You can reach the DFPI at dfpi.ca.gov or toll-free at 1-866-275-2677.

The Consumer Financial Protection Bureau (CFPB) also accepts complaints about consumer financial products at consumerfinance.gov or by phone at (855) 411-2372.

California payday loan rules

California law sets these limits on deferred deposit transactions:

  • The check may be no more than $300, and the loan is up to $255 against that check.
  • The fee may be no more than 15% of the check, which is $45 on a $300 check.
  • The lender may hold the check for up to 31 days.
  • A new loan may not be made to pay off an existing loan, and rollovers are not allowed.
  • One returned-check fee of no more than $15 may be charged.
  • A returned check does not lead to criminal prosecution.

License information

California payday lenders must be licensed by the DFPI, and anyone can verify a license with the DFPI at dfpi.ca.gov.

Truth in Lending

Under the federal Truth in Lending Act, the annual percentage rate (APR), finance charge and payment schedule for your loan are disclosed to you before you sign. Please read them carefully and ask us anything that is unclear.

Military Lending Act

Covered active-duty service members and their dependents are protected by the federal Military Lending Act.

Equal credit opportunity

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract), and on the basis of receipt of public assistance income or the good-faith exercise of rights under the Consumer Credit Protection Act.

Online requests and in-store loans

Online requests are submitted through our application page and may be reviewed by lenders in a third-party network, who may verify your information and check your credit. You can also apply in person at our Torrance store. In-store payday loans are completed with a written agreement and disclosures, which you receive before you sign.

Loan amounts and terms may change; your exact terms are confirmed in your written agreement before you sign. We cannot promise approval.

Questions or complaints? See contact and complaints.

Questions? Call CC California Cash at (310) 787-7587 or visit us at 1223 W Carson Street, Torrance.

    • Great Payday Loans
    • Check cashing with fees within California limits.
    • Low-cost money orders.
    • MoneyGram wire services to the world.
    • DMV Registration
    • Cell phone cards.

    At California Cash we are licensed under the State of California to provide payday loans at a regulated rate. Our fees follow California law and are disclosed in writing before you sign.

    Licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law.

Important information. CC California Cash is operated by Otane, Inc. and is licensed by the California Department of Financial Protection and Innovation (DFPI) pursuant to the California Deferred Deposit Transaction Law. A California payday loan (deferred deposit transaction) is limited to a $300 check; the fee may not exceed 15% of the check ($45), so the most you can receive is $255. Example: a $255 advance with a $45 fee repaid in 14 days has an APR of 460.16%; the APR is higher for shorter terms and lower for longer terms. Payday loans are meant for short-term emergency needs, not long-term financial solutions. There are no rollovers or extensions, and you cannot be prosecuted for a returned check. Requests made online through our website form may be reviewed by lenders in a third-party network that set their own terms; approval is not guaranteed and lenders may verify your information and check your credit. To check a license or file a complaint, contact the DFPI at 1-866-275-2677.