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Cash Advance in Los Angeles, 90014

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Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

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Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Los Angeles


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Cash Advance in Los Angeles, California: Everything You Need to Know

Los Angeles, California, a sprawling urban expanse rich in culture and glamour, is a city where dreams come to fruition. But, like in any major city, financial hiccups can disrupt daily life. Enter the realm of cash advances and payday loans. Before you think about tapping into this resource, let’s delve deeper into what these terms truly mean and the implications they carry.

Understanding Cash Advances and Payday Loans in Los Angeles, CA

In the sprawling metropolis of Los Angeles, where life moves at an accelerated pace and unexpected expenses can arise at any moment, cash advance loans have emerged as a popular financial solution for many residents. These loans, commonly known as payday loans, are short-term, high-interest loans designed to bridge the gap between paychecks, allowing individuals to address immediate financial needs without waiting for their next payday.

At their core, cash advance loans are relatively simple. A borrower typically writes a post-dated check or provides electronic access to their bank account for the loan amount plus any applicable fees. In return, they receive cash, which can be used for any immediate purpose like paying off a sudden medical bill, covering rent, or managing a car repair. The loan is then repaid on the borrower’s next payday, either through the check being cashed or direct withdrawal from their bank account. It’s a quick and relatively hassle-free way of obtaining funds, especially for those who might not have access to traditional forms of credit or who need money urgently.

However, the convenience of these loans comes at a cost. Cash advance loans in Los Angeles, as in many other places, have higher interest rates compared to conventional loans. This high interest is due to the short-term nature of the loan and the lack of collateral, making it a riskier venture for lenders. The fee structure and interest rates are regulated by California state law, but it’s always essential for borrowers to fully understand the terms and conditions before taking out such a loan, ensuring they can repay it without incurring additional financial strain.

Payday loans in Los Angeles

How Payday Loans Work in Los Angeles

Payday loans, widely accessible in Los Angeles, are tailored for individuals in need of quick cash before their next paycheck. The process begins when a borrower approaches a payday lender, either in-person at a storefront or online. After presenting essential documentation, which often includes proof of income, a valid ID, and bank account details, the borrower requests a loan amount, typically up to a few hundred dollars, depending on their income and the state regulations. The objective is to tide them over until their next payday, hence the name.

Upon approval, which often happens within minutes, the lender provides the borrower with the requested funds. In exchange, the borrower provides a post-dated check for the loan amount plus the accrued interest and fees or grants the lender permission to debit their bank account electronically. The loan term is generally short, often set to coincide with the borrower’s next payday, typically two to four weeks away. On the due date, the lender cashes the post-dated check or debits the borrower’s bank account for the total amount owed.

It’s vital for borrowers in Los Angeles to be fully aware of the associated costs before taking a payday loan. While these loans can be convenient, they come with notably high interest rates and fees compared to traditional loans. If the borrower cannot repay the loan by the due date, they may have the option to “roll over” the loan, essentially taking out a new loan to pay off the old one. However, this can lead to a cycle of debt, as additional fees and interest accumulate, making it increasingly challenging for the borrower to pay off the full amount. As a result, it’s crucial to use payday loans judiciously and only as a last resort after considering other financial alternatives.

Payday Loans Requirements

In Los Angeles, like the rest of California, the payday loan industry is regulated. Borrowers should be aware of the following criteria:

  • Age Requirement: Borrowers must be at least 18 years old.
  • Income Verification: Regular income, either from employment or a verified source, is necessary.
  • Active Bank Account: Lenders usually deposit the loan amount into an active checking account and also use it for repayment.
  • Valid Identification: A valid government-issued ID, like a driver’s license or a passport, is essential.

It’s worth noting that while most lenders don’t require a credit check, they do expect borrowers to repay the loan on time. Failure to do so can lead to additional fees and potential legal action.

How to Apply for an Online Cash Advance Loan

Applying for a cash advance in Los Angeles is typically straightforward. Many lenders, especially online platforms like US Cash Advance, streamline the process:

  1. Online Application: Most lenders offer online forms where borrowers input personal, employment, and financial details. US Cash Advance offers a connection with trusted third-party lenders. All you have to do is fill in the online inquiry form, and you can get contacted in no time.
  2. Quick Approval: While approval times vary, many lenders provide instant decisions.
  3. Fund Transfer: Once approved, funds are often deposited into the borrower’s bank account within 24 hours.
  4. Repayment: Borrowers must repay the loan by the agreed-upon date, typically their next payday.

It’s paramount to understand the loan terms before accepting the offer. Interest rates, fees, and repayment terms can significantly vary among lenders.

Pros and Cons of Payday Loans in Los Angeles


  1. Immediate Access to Funds: One of the primary attractions of payday loans in Los Angeles is the speed at which borrowers can access funds. In many instances, once the application is approved, funds are deposited into the borrower’s account within 24 hours or even sooner. This immediate access can be invaluable for those facing an urgent financial need, such as unexpected medical bills or car repairs.
  2. Simple Qualification Process: Payday lenders typically have less stringent criteria than traditional banks or credit unions. Even those with poor credit scores or no credit history at all can often qualify. The primary requirements usually include proof of steady income, an active bank account, and valid identification.
  3. Unsecured Loan: Unlike auto loans or mortgages, payday loans are unsecured. This means that borrowers don’t have to provide any collateral, like a car or house, which could be seized in case of default.
  4. Flexible Use: The money from a payday loan can be used for any purpose, whether it’s paying off an unexpected bill, covering rent, or purchasing essential items. Lenders typically don’t place restrictions on how the money is used.


  1. High Interest Rates: Payday loans in Los Angeles come with notably high interest rates, often much higher than traditional loans or credit cards. This can make them a costly option in the long run.
  2. Short Repayment Period: With a typical term of two to four weeks, payday loans don’t offer much flexibility in repayment. This short timeframe can create a challenge for some borrowers to accumulate the necessary funds by the due date.
  3. Potential for Debt Cycle: The structure of payday loans can lead some borrowers into a debt trap. If they’re unable to repay the initial loan by the due date, they might “roll over” the loan, incurring additional fees and interest. Over time, this can lead to a cycle of debt that’s difficult to escape.
  4. Additional Fees: Payday lenders often charge various fees, from origination to late payment fees. These, combined with the loan’s principal and interest, can make the total repayment amount considerably higher than the original loan amount.
  5. Impact on Credit Score: While obtaining a payday loan might not require a credit check, failing to repay it can adversely affect one’s credit score. Additionally, frequent reliance on payday loans can be viewed negatively by future potential lenders.

In conclusion, while payday loans offer quick financial relief, it’s essential to weigh the benefits against the potential pitfalls. Borrowers should always read the fine print, understand all associated costs, and consider alternative financing options before opting for a payday loan.

Other Loan Alternatives

Before committing to a payday loan, Los Angeles residents should consider other financing options:

  • Personal Loans: Offered by most banks and credit unions, they come with lower interest rates and longer repayment periods than payday loans.
  • Credit Card Cash Advances: While they often carry high-interest rates, they can be cheaper than a payday loan.
  • Community Assistance Programs: Local charities, non-profits, and government agencies sometimes offer emergency financial assistance.
  • Borrowing from Friends or Family: It can be a viable option but requires a clear understanding between both parties regarding repayment terms.

While cash advances can be helpful, it’s essential to use them judiciously and explore all potential avenues of financial assistance.


Are payday loans legal in Los Angeles, California?

Yes, payday loans are legal, but they’re regulated. In California, the maximum loan amount is $300, and the maximum fee a lender can charge is 15% of the loan’s face value.

What happens if I can’t repay my payday loan on time?

If you foresee difficulties in repaying, contact your lender immediately. They might offer a rollover or extension, albeit with additional fees.

Is there a cooling-off period between payday loans in Los Angeles?

California law mandates a cooling-off period, meaning after repaying a payday loan, you must wait seven days before taking out another.

Do online payday lenders offer loans to Los Angeles residents?

Yes, many online platforms cater to Los Angeles residents, but ensure they’re licensed in California.

What’s the difference between a payday loan and a title loan?

While both are short-term loans, a payday loan is based on a borrower’s paycheck, whereas a title loan requires the borrower’s vehicle title as collateral.


Phone number

(213) 682-3843



726 Spring St Ste 1002, Los Angeles, CA, 90014


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





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When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations

Los Angeles

2389 Glendale Blvd Unit B, Los Angeles, CA 90039

Los Angeles

10559 W Pico Blvd unit 201, Los Angeles, CA 90064

Long Beach

4101 Donald Douglas Dr unit B, Long Beach, CA 90808

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