Fast and Affordable Payday Loans in Los Angeles, California

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Payday Loans

Secure the funds with your personalized check for our quick and easy payday loans.

Loan FAQs

Learn about payday advance loans from EZ Check  Advance on our frequently asked questions page.

Hours of Operation:
Monday – Friday, 9 a.m. – 6 p.m.
Saturday, 10 a.m. – 2 p.m.
Closed Sunday

Who We Are

Get the cash you need quickly from EZ Check Advance, a leader in the payday loan and cash advance industry since 1997. With 4 convenient locations throughout Los Angeles County we offer our customers fast and affordable services that are easy and confidential. Come get a loan today!

The process approval is done over the phone within minutes. We hold your personal check until payday. All you need is a valid California License, ID, or passport, personalized pre printed blank check, proof of local address, and proof of income. That's it! How's that for customer service?

Not all payday loan companies are the same. Outstanding service is why many of our clients are referrals and repeat customers! Come experience the difference when you get your payday loan through us.

A deferred deposit transaction, commonly known as a payday loan, is a transaction whereby a person defers depositing a customer's personal check until a specific date, pursuant to a written agreement, as provided by California Financial Code Sections 23035. Personal check includes the electronic equivalent of a personal check.

Contact us in Los Angeles, California, for more information about getting a cash advance on a payday check.

Established in 1997

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Payday Loan Fees/APR
Payday Loan terms are based on customer’s payday and are primarily used as a short term lending solution or cash advance. Payday Loans are not recommended for longer period loans.  Payday loans charge a one-time fee for the loan instead of interest. This fee is 15% of the face value of the postdated check written to the Payday loan company and held until the customer’s next payday.  For example, if a customer borrows $100, they would write a check for $117.65 dated for their next payday.  The $17.65 is 15% of the $117.65 and represents the fee charged by the Payday company.
Payday loans are not renewable in the State of California. Customers may only have one payday advance with the same company at any time.  Once a payday advance is paid back in full (principal and fee) another advance may be taken out by that customer at any time they wish to do so.  Payments of fee only are prohibited by state regulations regarding deferred deposit transactions.
Annual Percentage Rates (APR) vary depending on the loan amount and length of time for which the advance is taken.  APR’s range from 260%-700%. Payday Loans with fees cannot exceed $300’ for example,  a common loan amount would be $255 with a fee of $45 In this example, for an advance taken for  a time period of 14 days, the APR would be 460%.
EZ Check Advance follows the Fair Debt Collection Practices Act (FDCPA) when collecting delinquent accounts. Returned check fees may not exceed $15 and NO other fees may be charged for collection of your account.
EZ Check Advance does not report to any credit bureau or organization.  However, if your account becomes delinquent and you do not make attempts to repay your debt, your account may be taken to small claims court for resolution.  This may result in a judgment awarded by the court against the customer and that judgment would remain on the customer’s credit report until paid and cleared by the court.  Also, there would be additional fees awarded by a small claims court judge hearing the case to cover court costs, which would then be added to your account balance. A customer cannot be criminally prosecuted or threatened with criminal prosecution for not repaying a payday loan.
EZ Check Advance may, but is not obligated, to enter into an agreement extending the terms and time to repay a loan, however, there are no additional fees or charges incurred by the customer receiving an extension and each situation is handled individually based on customer’s history and past performance.