CA borrowing guide
Loans in California
Understand the federal baseline, state-specific high-cost lending landscape and where to verify a lender’s license.
Payday lending snapshot
Licensed payday lending may be available
Deferred-deposit or payday products may be available from licensed providers. Loan size, fees, term, renewals, databases, and repayment plans can be limited by state law. Always verify the product and provider with California Department of Financial Protection and Innovation.
Product library
California loan guides
Personal loans
Understand personal loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Everyday borrowingSecured personal loans
Understand secured personal loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Everyday borrowingDebt consolidation loans
Understand debt consolidation loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Everyday borrowingCredit-builder loans
Understand credit-builder loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Everyday borrowingConsumer installment loans
Understand consumer installment loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Short-term & high-costPayday loans
Understand payday loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Short-term & high-costAuto title loans
Understand auto title loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Short-term & high-costPawn loans
Understand pawn loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Vehicle financingAuto loans
Understand auto loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Home financingConventional mortgages
Understand conventional mortgages in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Home financingFHA, VA and USDA home loans
Understand fha, va and usda home loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Home financingHome equity loans
Understand home equity loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Home financingHome equity lines of credit (HELOCs)
Understand home equity lines of credit (helocs) in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Home financingReverse mortgages
Understand reverse mortgages in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → EducationFederal student loans
Understand federal student loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → EducationPrivate student loans
Understand private student loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → BusinessSmall business loans
Understand small business loans in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Everyday borrowingBuy now, pay later
Understand buy now, pay later in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide → Short-term & high-costCredit card cash advances
Understand credit card cash advances in California: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read CA guide →