$255 Payday Loans Online: Same Day Funding

Comparison updated Jun 2025

Written by human
Written by Joe Chappius

- Jun 26, 2025

Edited by Ricardo Laizo
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Personal loan

94 of customers chose this
Annual interest rate5.99% - 35.99%
Loan amount$250 - $10,000
Term3 months - 6 years
Payment within 24 hoursYes
Financer Score
4.8
Overview
Details
Annual interest rate5.99% - 35.99%
Loan amount$250 - $10,000
Term3 months - 6 years
Payment within 24 hoursYes
Get started

Personal loan

135 of customers chose this
Annual interest rate5.99% - 35.99%
Loan amount$100 - $40,000
Term3 months - 5 years
Payment within 24 hoursYes
Financer Score
4.8
Overview
Details
Annual interest rate5.99% - 35.99%
Loan amount$100 - $40,000
Term3 months - 5 years
Payment within 24 hoursYes
Get started

Personal loan

33981 of customers chose this
Annual interest rate5.99% - 35.99%
Loan amount$250 - $35,000
Term3 months - 6 years
Payment within 24 hoursYes
Financer Score
3.7
Overview
Details
Annual interest rate5.99% - 35.99%
Loan amount$250 - $35,000
Term3 months - 6 years
Payment within 24 hoursYes
Get started

Personal loan

39 of customers chose this
Annual interest rate5.99% - 35.99%
Loan amount$500 - $35,000
Term2 months - 6 years
Payment within 24 hoursYes
Financer Score
3.5
Overview
Details
Annual interest rate5.99% - 35.99%
Loan amount$500 - $35,000
Term2 months - 6 years
Payment within 24 hoursYes
Get started

Personal loan

9719 of customers chose this
Annual interest rate5.99% - 35.99%
Loan amount$100 - $5,000
Term2 months - 6 years
Payment within 24 hoursYes
Financer Score
3.3
Overview
Details
Annual interest rate5.99% - 35.99%
Loan amount$100 - $5,000
Term2 months - 6 years
Payment within 24 hoursYes
Get started

$255 Payday Loans Online Same Day

Are you in urgent need of money and unsure where to turn for some quick cash? Many in your situation opt for a $255 payday loan online with same day approval to help them get rid of all their troubles. 

Check out out top 5 for Payday Loans.

Best $255 Payday Loans

Why $255 payday loans specifically? 

For residents of California, the reason for this precise amount is likely familiar, but let's clarify.

According to California law, the maximum amount a payday loan can grant is $300.

The law also stipulates a maximum interest of $15 for every $100 borrowed. Thus, from a $300 loan, the maximum interest charge is $45, leaving you with a net sum of $255.

Where this applies

This rule applies exclusively to payday loans and only within the state of California. Other states have their own limits, such as Washington ($700 maximum) and Florida ($500 maximum).


Furthermore, some states outright prohibit payday loans, including Arizona, Arkansas, Colorado, The District of Columbia, Georgia, Massachusetts, Maryland, New Jersey, New York, North Carolina, Pennsylvania, West Virginia, and Vermont.

These specific caps and/or restrictions are designed to protect consumers from excessively high fees and to prevent the risk of falling into a debt cycle, common with payday loans.

Comparing $255 Payday Loan Online Lenders

The Financer team has spent 30+ hours comparing offers from over 20 lenders to ensure that the companies we recommend are truly the best options for our visitors.

While the fees for $255 payday loans online and in-person are the same for California lenders, selecting the right one involves considering various other aspects.

In this context, Ace Cash Express and Advance America emerge as our top $255 payday loans direct lender. Here's why they stand out:

  • Direct Lending: They are direct lenders, which streamlines the loan process and enhances customer privacy.

  • Same-Day Funding: Crucial for urgent financial needs, both lenders offer same-day instant funding, accessible online and in-person services.

  • High Customer Satisfaction: Strong ratings on Trustpilot reflect their high customer satisfaction.

  • No Credit Reporting: Neither lender reports to major credit bureaus for payday loans, protecting your credit score from late or missed payments.

  • Physical Presence: With multiple locations in California, they offer flexibility and personal service options.

  • Quality Customer Support: Known for exceptional customer service, these companies provide comprehensive support throughout the loan process.

Here’s what we've found comparing companies: the top 6 companies offering $255 payday loans online with same-day approval.

We made it relevant to California, adding a section dedicated to physical locations each of the company has in this state:

CompanyTrustpilot RatingPhysical Locations in CASame-Day FundingCredit Reporting
Ace Cash Express4.6 (10,000+ reviews)85YesNo (Uses Factor Trust)
Advance America4.8 (93,845 reviews)81YesNo
Check City3.7 (1,400 reviews)NoYes (Only for returning customers)Yes
Speedy Cash3.7 (8,000 reviews)27 (25 LA, 2 SD)YesYes
Check into Cash3.9 (944 reviews)24Yes (Redirects to Speedy Cash online)Yes
Check 'n Go4.4 (7,500 reviews)NoNoYes
Compare All Companies

Ace Cash Express

Same Day Funding: Offers instant funding to debit cards, making funds available within 30 minutes of loan approval and verification. This service is efficient and caters to those in urgent need of financial assistance.

Credit Reporting: Does not report missed payments.

Customer Reviews: Ace Cash Express has a Trustpilot rating of 4.6 from over 10,000 reviews, reflecting high customer satisfaction.

Physical Locations: 85 locations across California.

Ace Cash Express is a top choice for $255 payday loans online with its efficient same-day funding option. While they are not the only lender offering instant funding, their service speed and the volume of positive customer reviews stand out.

Their process is streamlined for quick access to funds, making them a viable option for emergency financial needs.

Pros

  • Quick access to funds with instant debit card funding.

  • High customer satisfaction and positive reviews

  • Extensive physical presence across California

  • Apply without impacting Credit Score

Cons

  • Not available for active military members

Apply Now

Advance America

Same Day Funding: Offers same-day funding for both online and in-store applications submitted before 10:30 AM EST. In-store applicants might receive cash immediately, while online applicants can receive funding as quickly as 15 minutes post-approval.

Credit Reporting: Advance America does not rely on pulling major credit reports, and does not report missed or late payments.

Customer Reviews: Boasts an impressive Trustpilot rating of 4.9 from over 112,000 reviews, indicating high customer satisfaction and commendable customer support.

Physical Locations: 81 locations across California

Advance America's blend of convenience, rapid service, and customer support makes them a compelling choice for those seeking $255 payday loans online same day no credit check.

They offer streamlined and rapid application processes, with the option for same-day funding. The company's commitment to customer service is reflected in their high Trustpilot score and their approach to loan repayment flexibility and support.

Pros

  • Quick and easy same-day online funding option

  • High customer satisfaction and positive reviews

  • No credit reporting for missed or late payments

Cons

  • Requirement for early application submission for same-day funding

Apply Now

Check City

Same Day Funding: Available only to existing customers who have previously successfully repaid a loan. New customers do not have access to this option.

Customer Reviews: Trustpilot rating of 2.4 from over 1,400 reviews, indicating mixed customer experiences.

Credit Reporting: Instances of credit reports being run unexpectedly, which has raised concerns among some customers.

Physical Locations: No physical locations in California; their services are provided online.

Check City's online payday loan services are marked by a mix of customer experiences. While they offer the convenience of online transactions, the limitation of instant funding to returning customers and concerns about credit reporting practices are important considerations.

Also, in reviewing this company and reaching out to support, they opened with asking for full name and last 4 of social security, which was off-putting.

Pros

  • Online convenience for loan processing

  • Instant funding available for returning customers

Cons

  • Mixed customer reviews and concerns over denials

  • Credit report checks that may be unexpected

  • Instant funding not available for new customers

Apply Now

Speedy Cash

Same Day Funding: Speedy Cash offers instant funding to debit cards, allowing approved loan funds to be deposited immediately. This service is available for both online and in-store applications. Customers without a debit card can apply online and pick up approved cash at a store instantly.

Customer Reviews: Speedy Cash has a Trustpilot rating of 4.5 from over 10,000 reviews, indicating a good customer experience.

Credit Reporting: Speedy Cash may report late or missed payments to major credit bureaus, which can affect borrowers' credit scores.

Physical Locations: 27 locations, primarily in Los Angeles (25) and San Diego (2).

Speedy Cash is recognized for its efficient service in providing payday loans, especially with its instant funding option. Their ability to offer immediate access to funds, both online and in-store, caters well to urgent financial needs. The instant funding feature is a notable advantage.

Pros

  • Instant funding to debit cards for quick access to funds

  • In-store pickup option for online applications

  • Significant** physical presence** in Los Angeles area

Cons

  • May report late or missed payments to major credit bureaus

Apply Now

Check Into Cash

Same Day Funding: Offers same-day funding, but this service is facilitated through Speedy Cash when applying online. In-store applications might allow cash pickup on the same day.

Customer Reviews: Trustpilot rating of 4.6 from over 1,000 reviews. While generally positive, some reviews indicate customer service concerns.

Credit Reporting: Similar to Speedy Cash, Check Into Cash may report late or missed payments to credit bureaus, which can impact the borrower's credit score.

Physical Locations: Operates 24 physical locations across California, offering an alternative for those who prefer in-person services.

Check into Cash shares ownership with Speedy Cash, and also provides payday loans with a focus on both online and in-store services. Online applications are actually redirected to Speedy Cash, meaning you'll deal with Speedy Cash's system for online loans.

Their physical presence in California provides convenient access for in-person applications.

Pros

  • Option for same-day funding via Speedy Cash’s online platform

  • Physical locations available for in-person service

  • Generally positive customer reviews

Cons

  • Online applications are redirected to Speedy Cash

  • Reports to credit bureaus, affecting credit scores if payments are late.

  • Mixed reviews regarding customer service experiences

Apply Now

Check 'n Go

Same Day Funding: Not available.

Customer Reviews: Trustpilot rating of 4.4 from over 9,000 reviews, suggesting a generally positive customer experience.

Credit Reporting: Reports to major credit reporting agencies for late payments, potentially impacting borrowers' credit scores.

Physical Locations: No physical locations in California; services are offered entirely online.

Check 'n Go caters to the California market with an online-only presence, making it a convenient option for those comfortable with digital transactions.

While they have a strong customer satisfaction rating, the lack of same-day funding and the practice of reporting late payments to credit agencies are key considerations. The service suits customers who can wait a bit for their loan and are confident in timely repayments to avoid credit score impacts.

Pros

  • High **customer satisfaction **rating

  • Convenient online loan processing

Cons

  • **No same-day funding **option

  • Reports late payments to credit bureaus

What are the costs for $255 Payday Loans?

Payday loans are often associated with high Annual Percentage Rates (APR), which can be startling at first glance.

That being said, the total costs a loan will bear are dependent on a number of factors, including the state where you live, your income, your credit score, and the company that you are applying through.

Requirements for a $255 Payday Loan Online

  • Personal Identification: Most lenders require a valid government-issued photo ID or driver's license. This helps in verifying your identity and age.

  • Proof of Income: You'll need to provide evidence of a steady source of income, such as recent pay stubs or bank statements. This assures lenders of your ability to repay the loan. The income can come from employment, disability, retirement, self-employment, or other sources.

  • Active Checking Account: An open and active checking account is crucial. You might need to provide proof of routing and account numbers. The account typically needs to have been active for at least 30 days.

  • Valid Contact Information: A working phone number and a valid email address are required for communication purposes.

  • Social Security Number or Tax ID: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is often necessary for the application process.

  • Age Requirement: Applicants must be at least 18 years old (or the age of majority in your state).

  • Residency: You should reside in the state where you are applying for the payday loan.

  • Bankruptcy Status: Applicants should not be current debtors in an ongoing bankruptcy case or planning to voluntarily file for bankruptcy relief.

  • Military Status: Some lenders have specific requirements regarding lending to military members and their dependents.

Steps to Apply for $255 Payday Loan Online

Start by Comparing Lenders

Begin by using our free tool to compare the companies that are offering a $255 payday loan online.

Select Your Preferred Lender

After reviewing your options, identify the lender that best suits your financial situation and preferences. Click the "Apply Now" button associated with your chosen company. Clicking this button will redirect you to the lender's website, where you can initiate the loan application process.

Complete the Application Form

Upon reaching the lender's application page, you will be required to fill out a form with your personal and financial information. This typically includes:

  • Your name
  • Address
  • Employment details
  • Income level
  • Bank info

Ensure that all the information you provide is accurate and up-to-date to avoid any delays in the approval process.

Submit Necessary Documentation

To expedite the submission process and verify the information provided in your application, prepare the following documents in advance, as some lenders may request them:

  • Government-issued ID: A copy of an ID such as a driver's license or passport to verify your identity.
  • Proof of Income: Documents like pay stubs or bank statements to confirm your income level.
  • Proof of Residency: A utility bill or similar document to prove your current living address.

Review and Accept the Loan Agreement

If your application is approved, the lender will present you with a loan agreement outlining the terms of the loan, including the interest rate, fees, repayment schedule, and any other pertinent conditions.

Carefully review this agreement to ensure you fully understand your obligations. If everything is in order, accept the agreement to proceed.

Receive Your Funds

After you accept the loan terms, the lender will proceed with the disbursement of your $255 payday loan. Depending on the lender's policies and the timing of your application, the funds are typically deposited directly into your bank account within one business day.

Additionally, some companies offer instant same-day funding to a debit card, providing even quicker access to your funds. Alternatively, if you prefer or if it's more convenient, you may have the option for same-day in-store pickup at a designated location.

Repay Your Loan

Mark your calendar with the repayment due date(s) to ensure you repay your loan on time. Adhering to the repayment schedule is crucial to avoid any additional fees or impacts on your credit score.

$255 Payday Loans Pros and Potential Risks

Payday loans come with some advantages, among which:

  • Same-day Approval: Rapid approval process, crucial for urgent financial needs.

  • Simple Online Application: Easy application process that can be completed anywhere online.

  • Minimal Requirements: Basic qualifications like proof of income and a bank account, making it accessible to many.

  • Flexible Repayment: Options to choose repayment schedules, with some lenders offering extensions.

  • No Credit Check: Availability for borrowers with poor credit, focusing on current income for loan approval.

However, when considering short-term payday loans, it's important to also look at their potential risks:

  • High Interest Rates: Payday loans often have high interest rates, which can lead to a cycle of debt if not managed properly.

  • Short Repayment Terms: These loans typically require repayment by your next payday, which can be challenging if you're already facing financial difficulties.

  • Potential for Debt Cycle: The ease of obtaining payday loans can lead to repeated borrowing, potentially resulting in a cycle of debt.

  • Alternative Options: Before opting for a payday loan, consider other alternatives like borrowing from friends or family, using a cash advance app, or exploring lender finding services.

  • Financial Planning: It's crucial to have a repayment plan in place and to borrow only what you can afford to repay.

Payday loans should be used responsibly and as a last resort for immediate financial needs.

Frequently Asked Questions

What is a $255 payday loan?

A $255 payday loan in California is a short-term loan with high interest, designed to be repaid on your next payday. The amount is specific to California, where state regulations cap the total loan amount at $300, including a maximum fee of $45. This results in borrowers receiving $255.

Can I get a $255 payday loan on the same day?

Yes, some lenders like Ace Cash Express and Advance America offer same-day funding for payday loans.

Do $255 payday loans online require credit checks?

This varies. While some lenders may not perform traditional credit checks, they may check creditworthiness through other means.

Are there alternatives to $255 payday loans?

Yes, alternatives include lender finding services, cash advance apps, borrowing from friends or family, or credit card cash advances.

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