California caps a payday transaction at a $300 check and a $45 fee. A $300 check with the maximum fee means $255 in proceeds, not $300 cash.
California bars a new payday loan to pay off an existing one, and an extension or payment plan cannot carry an added fee. If you need another loan to cover repayment, first ask the biller or utility about a payment arrangement.
Use DFPI’s lender search to check licensing and disciplinary history. If a charge or collection appears inconsistent with the rules, submit a complaint and keep the agreement, payment record, and messages.
Official reference: California DFPI — Payday Loans & Cash Advances. Checked November 11, 2026.