Irvine, CA · West · Allowed
Payday loans in Irvine
Irvine is governed by California's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in California. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Irvine
266,122 residents · Orange County Median household income is $92,278 — above the California median of $68,111.
11 storefront locations of 11 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ABC Max Loan Installment Loans, Auto Loan Providers | 2691 Richter Ave Ste 118, 92606 | (949) 538-5678 | Mon 10:00 AM - 5:00 PM · hours vary |
| American Finance Lenders Installment Loans | 2301 Campus Dr Ste 100 A, 92612 | (877) 877-4078 | Mon 7:00 AM - 6:30 PM · hours vary |
| Business Loan Networks Installment Loans | 8 Corporate Park Ste 300, 92606 | (949) 329-3872 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| CashCall Mortgage Mortgage Lenders | 19500 Jamboree Rd Ste 200, 92612 | (866) 708-5626 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Fresh Loan Financial Installment Loans | 18575 Jamboree Rd Suite 600, 92612 | (800) 490-6441 | Hours not listed |
| GoodLeap Installment Loans | 22 Executive Park Ste 100, 92614 | (916) 952-6000 | Mon 7:00 AM - 7:00 PM · hours vary |
| Loantopia Installment Loans | 15271 Barranca Pkwy, 92618 | (877) 714-7514 | Mon 8:00 AM - 6:00 PM · hours vary |
| Matrix Loans Installment Loans | 18101 Von Karman Ave, 92612 | (949) 245-4466 | 8:00 AM - 8:00 PM daily |
| Optima SLS Installment Loans | 17981 Sky Park Cir, 92614 | (866) 497-3177 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Pre-Banc Business Credit Installment Loans | 2042 Business Center Dr Ste 202, 92612 | (949) 955-2262 | Hours not listed |
| United Medical Credit Business Financing, Installment Loans | 2100 Main St Ste 350, 92614 | (855) 503-1800 | Mon 6:00 AM - 5:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the California page before visiting. Spot an error? Report it.
The online route in Irvine
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in California follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the California regulator.
The rules behind the numbers
A payday loan is not intended for long-term financial needs. You cannot be prosecuted or threatened with prosecution in a criminal proceeding for a returned check.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 460% APR. Every compliant lender in Irvine has to fit inside that schedule.
Statute: Cal. Fin. Code § 23000 et seq.
Regulator: California Department of Financial Protection and Innovation · dfpi.ca.gov
Questions people ask in Irvine
Are payday loans legal in Irvine, CA?
Yes. Storefront payday lending is permitted across California, and Irvine runs under the same state rules: maximum loan $300, fees capped at 15% of face value ($17.65 per $100 advanced). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Irvine?
The same as anywhere in California: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Irvine?
11 storefronts are listed in Irvine in our 2022-02-20 directory snapshot (11 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Irvine?
Complaints about a lender go to the California Department of Financial Protection and Innovation (dfpi.ca.gov) — keep the loan agreement and every fee disclosure you were given.