Borrowing Responsibly

Effective date: November 2, 2026

A payday loan can help when a bill is due before your next paycheck, but only if you can repay the full amount on time. Use this page to think it through before you visit our store in Torrance or send an online request.

What is a payday loan?

In California, a payday loan is called a deferred deposit transaction. At CC California Cash, we offer payday loans up to $255, based on a $300 check. The fee is at most $45, which is 15% of the check. Because the amount you repay on the due date includes the loan and its fee, compare the total cost before you sign.

Payday loans made in our Torrance store are completed with a written agreement and disclosures that you receive before you sign. Read them carefully.

If you send a request online through our application form, it may be reviewed by lenders in a third-party network. We cannot promise approval, and lenders may verify your information and check your credit.

Know the total cost before you sign

These questions help you compare your options. Your exact amount, fee and due date appear in your written agreement, and we will explain them before you sign.

  • How much will I repay in total, including the fee?
  • On what date is the full amount due?
  • Will I have enough money on my next payday to repay everything?
  • What happens if I cannot repay on the due date?

California payday loan rules

This summary is general information, not legal advice. The California Deferred Deposit Transaction Law sets these rules for payday loans:

  • Payday lenders are licensed and supervised by the California Department of Financial Protection and Innovation (DFPI).
  • The check may be at most $300, and the fee may be at most 15% of the check ($45).
  • The lender may hold the check for up to 31 days.
  • A new loan may not be made to pay off an existing payday loan, and rollovers are not allowed.
  • If a check is returned unpaid, one returned-check fee of at most $15 may be charged.
  • A returned check does not lead to criminal prosecution.

Budgeting checklist

  1. List your monthly income after taxes.
  2. List fixed bills: rent, utilities, insurance, phone, transportation.
  3. Subtract them to see what is left each month.
  4. Decide how much you can repay in full on your next payday without missing other bills.
  5. Borrow only the amount you need, up to $255.
  6. Read the written agreement, including the fee, the total of payments and the due date, before you sign.
  7. Ask about your due date and how you will repay the full amount before you sign.

If you can't repay on time

Contact us as early as you can, before the due date if possible. Call or visit us at 1223 W Carson Street, Torrance, CA 90502 during store hours (Monday-Friday 9:00 AM - 6:00 PM, Saturday and Sunday 10:00 AM - 4:00 PM), and tell us what is happening. Staying in touch gives us the best chance to talk through your options.

See also our complaints and contact information.

Military Lending Act

Covered active-duty service members and their dependents are protected by the federal Military Lending Act. Tell us if this applies to you.

Free resources

When you are ready, we are happy to answer questions by phone or in person.

Apply Now

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

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    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.