Instant payday loans are short-term loans designed to provide immediate access to cash, often within a few hours or by the next business day, to cover urgent expenses until your next payday. These loans are typically applied online or in-store, and they have a streamlined process that allows for quick approval and rapid disbursement of funds.
What is Instant Funding?
Instant Funding is a new technology that provides a better, more customer-friendly funding process. The technology uses the debit card network and removes the friction and processing delays associated with traditional fund disbursements. If your bank accepts it your funds can be available as soon as five minutes after signing your loan documents. *
Our Online Lending platform is a fast and easy process to help you get the cash you need as soon as possible. You can fill out our application form online at any time, and we will work with you throughout the loan process and answer any questions you may have. Our goal is to make sure you have the financial assistance you need to meet your immediate monetary demands.
Apply for Instant Payday Loans Online
Make any day a payday with a quick and confidential cash advance from Cashback Loans. You can apply from the comfort of your home or with your smartphone. Wherever you are, we offer instant funding with money transferred to your account in ten minutes or less*.
Apply Online
Complete our online application. It’s quick, easy, and confidential.
Get Approved
If you are PreQualified, please e-sign your loan documents to proceed with the loan funding process.
Get Cash
Cash Deposited to your Bank Account (Instantly for Qualified Bank Accounts) or a check mailed directly to your home.
Qualifications for Instant Payday Loans
- A valid, open, and active checking account
- A steady source of income
- A government-issued photo ID
- An active phone number
- A valid email address
Instant Payday Loan Amounts & Terms
- Select the loan amount from the below dropdown to view an example of rates and terms
- Loan Amount Options: $150,$200,$250, $300
- In this example, the APR on the $300 Loan is 214.83% based on the loan term of 1 monthly payment. This is an example; the APR will vary depending on individual loan length.
- Advance Amount: (Amount Financed): $300
- Finance Charge: (Cost of Loan): $45.00
- Origination Fee: NA
- Total Cost of Loan: $45.00
- Check Amount: (Total of Payments): $300.00
- Example APR: 460% for a 14 Day Loan Term
- **Annual Percentage Rate: Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 30 days. The APR will increase if the loan term is shorter than this example and decrease if your loan term is longer.
- The minimum loan amount available to California customers is $150
- The maximum loan amount available to California customers is $300
- The maximum loan term is 31 days
Payday Loan Rates & Fee Schedule
- Maximum : 300
- Minimum : 150
- Payment Type : Single Pay
- Term : 1-31 days
- 14 Day APR = 460.16%
Governing Law
The applicable laws of your state will govern the loan agreement. Questions or Complaints should be directed to your state's financial regulatory agency.
License and Disclosures
- License
- Required Postings
- Privacy Policy
Apply for Instant Payday Loans With Cashback Loans
Cashback Loans offers a hassle-free experience with multiple ways to access your funds: apply online for direct deposit or visit us in-store to receive cash immediately. You can also apply online and pick up your money in person or apply in-store for direct deposit.
Our efficient process often fulfills instant payday loans within 15 minutes of approval. With over 20 years of experience serving Southern California, we provide 24-hour loans, emergency loans, fast payday loans, and more. Get started today—our friendly staff is available online, by phone, or at convenient locations throughout Southern California to assist with your emergency cash needs.
Apply TodayFrequently Asked Questions about Instant Payday Loans
Below are frequently asked questions to help you understand how instant payday loans work and how to get quick approval and funds when you need them most.
You can apply for an instant payday loan online and receive funds quickly, often the same day or by the next business day, depending on the lender's approval process.
To apply for an instant payday loan, you’ll need proof of income, a valid ID, and an active checking account. The application process is typically quick and straightforward.
Approval for an instant payday loan can happen in minutes, and once approved, you may receive the funds the same day or within 24 hours.
Yes, instant payday loans come with fees and interest charges. Be sure to review the terms of the loan, including fees, before proceeding with the application.