$255 Payday Loans Online Same Day 2024 - Instant Deposit California

Millions of Americans have less than $500 in their bank account to handle an emergency… and a big percentage of them will get their loan applications rejected due to bad credit, limited credit history, low income or because they’re currently unemployed.

Are you facing the same problem? This is not your fault because the world is in the middle of the financial crisis with so many bank runs  happening around the world (Silicon Valley bank just gone “poof!”), massive layoffs, paycheck cuts, and more… 

The world is on fire, but it doesn’t mean that you cannot get the $255 USD you need today because we’ve built a ranking with the best $255 payday loans online with same-day approval and disbursement that you can get right now.

No credit check, low income accepted, bad credit more than welcome and unemployment doesn’t matter - our lenders are ready to help you right now in the middle of the financial chaos.

Check out our ranking below to apply for your loan right now.

$255 Loans Online Same Day Bad Credit California: Get $255 USD Now! 

Here you have our ranking with the best lenders in the market that can bring you $255 today:

To apply just click on the name of your preferred lender now, send your application and wait for the company to approve your application today, and proceed to deposit the $255 USD in your bank account.

If you’d like to learn more about each payday loan provider, then the following reviews will help you to know more about each company.

1. HonestLoans.net: Best Overall $255 Payday Loan Online Same Day



Lowest interests and APR for $255 payday loans

Terms and conditions might vary

High approval for all types of customers


Fast approval and disbursement same day


Access to more and bigger loans


Stellar customer support service


Flexible terms and conditions


Accepts customers with no credit history


HonestLoans.net is the best way to get a $255 payday loan because they have the largest pool of direct lenders across all the 37 US states where payday lending is legal. As a result, you can get a $255 payday loan with the lowest interest and fees, along with fast approval and same-day disbursement.

This company will automatically show you the best offers based on your profile after filling out the application form. And if you need help during the process, you can rely on their stellar customer support department. 

You will stand a high chance of getting your $255 loan approved even with bad credit, low income, or no credit history. Because their pool of lenders will accept all types of customers.

However, keep in mind that the terms and conditions might vary depending on the direct lender you choose.

2. Fast Money Source: Fastest Approval and Disbursement of $255



Fastest approval and disbursement of $255

Hard to get better loans

Fair APR and fees

Not available in all states

High approval rate for all types of borrowers


Great customer support


Flexible terms and conditions


Do you need the $255 USD yesterday? If so, then Fast Money Source is the lender you need. With the fastest approval for all types of customers and same day disbursement (1-2 hours max), it’s the ideal choice for emergencies, unexpected expenses, last-minute purchases, and more.

Their hyper-fast approval and disbursement comes along with fair fees and APR, to make your loan comfortably affordable. And if you want to repay it early, then you’ll be happy to know that they offer generously flexible terms and conditions.

However, it’s kind of hard to get better loans with Fast Money Source as opposed to HonestLoans.net, which makes it easy to get other financial products. 

3. Fast Loans: Quickly Find the Best Direct Lender



Quickly find the best direct lender

Not available in all states

Fair APR and fees

Terms and conditions will vary depending on the lender

High approval rate for bad credit, low income and unemployed customers


Access to more loans and products


Good customer support service


If you want to find the best possible $255 payday loan offer on automatic, then Fast Loans is the way to go. As a loan finder with hundreds of direct lenders ready to bring you $255 USD with fast approval and same day disbursement, it’s a good idea to rely on this company.

Their pool of direct lenders will gladly accept you as a customer even with bad credit, low income or if you’re unemployed. And they charge fair fees and APR, along with favorable terms and conditions.

However, keep in mind that the terms and conditions will vary depending on the direct lender.

4. CreditClock: Available 24/7



Get $255 at any time of the day

Strict minimum monthly income requirement

High approval rate for all types of customers

Not available in all states

Low APR and fees


Quick application and approval


Fast disbursement


CreditClock is the best choice for emergencies because they’re available 24/7, and since they have a higher approval rate for all types of customers, you can get the $255 you need badly as soon as possible. And the fees and APR are surprisingly affordable, making it an excellent deal.

Their quick application process will make it even easier for you to get the $255 USD in record time because you can complete it in 5 minutes or less.

However, they have a strict minimum monthly income requirement, making it harder for low-income borrowers to get approved, but in this case, you can rely on HonestLoans.net, Low Credit Finance, or Big Buck Loans.

5. Big Buck Loans:  Best for Bad Credit



Highest approval rate for bad credit borrowers

High APR and fees

High approval rate for limited credit history

Not available in all states

Low income borrowers accepted


Unemployed borrowers accepted


Efficient customer support service



If your loan application has been rejected by banks or traditional lenders, you are not alone. This is the situation that millions of Americans have to face every day due to their bad credit, but Big Buck Loans is here to solve this problem, by bringing you a $255 payday loan even with the lowest credit score possible.

Big Buck Loans puts more focus on other factors such as your current monthly income and recent activity at the hour of analyzing your application. As a result, your chances of getting approved will grow exponentially. And since we’re talking about just $255 USD, you can get accepted even with low income or if you’re currently unemployed.

However, keep in mind that the APR and fees tend to be higher than average, and that this service is not available in all the US states.

6. Heart Paydays: Best Broker Alternative



Solid alternative to HonestLoans.net

APR and fees can vary significantly

High approval rate for limited credit history

Not available in all states

Low income borrowers accepted


Unemployed borrowers accepted


Efficient customer support service


If HonestLoans.net didn’t convince you, then you should look into Heart Paydays, a solid broker alternative. It has a pool of hundreds of direct lenders ready to bring you a $255 payday loan with same day approval and disbursement, even with limited credit history, bad credit or low income.

All you have to do is to enter your information, how much you want to borrow and the system will automatically find the best lenders for you. Once you find the deal you want to apply for, simply do it and you will receive the notice of approval immediately and the $255 USD the same day.

However, the APR and fees can vary significantly depending on the direct lender, because Heart Paydays is just a broker. And it’s also worth noting that it’s not available in all states.

7. Low Credit Finance: Best for Limited Credit History



Highest approval rate for limited credit history 

High APR and fees

Accepts customers with no credit history

Not available in all states

High approval rate for bad credit and low income


Accepts unemployed customers


Quick application process


Great customer support


We know how hard it can be to get a loan when you have a limited credit history, or in the worst of cases, no history at all. The banks will close their doors to you, but here’s Low Credit Finance, ready to disrupt the market and bring you $255 USD even if you have never requested a loan before.

Low Credit Finance also accepts customers who are currently unemployed, with bad credit or low income - bringing you the chance to get the $255 you need even if all the other banks and lenders have rejected your applications.

The only cons of Low Credit Finance is that it’s not available in all states and that they charge high APR and fees, but it’s easy to understand why given that they’re bringing high-risk loans.

How to Apply and Get a $255 Payday Loan Online with Same Day Approval and Disbursement

If you already know what lender you’ll choose but you don’t know how to apply for your $255 payday loan, then here’s how you can do it:

  • Select a $255 payday lender from our ranking
  • Click on their name to visit their website
  • Fill out the $255 payday loan application form
  • Wait for the system to approve it
  • Receive the approval notice and wait for the $255 to be disbursed into your bank account!

Our recommended lenders have made the process as simple as possible, so you can request your loan in 5 minutes or less and receive the $255 in your bank account the same day.

What is a 255 USD Payday Loan with Same Day Approval and Disbursement?

In order to understand what this type of payday loan is and its most important features, let’s talk about it part by part.

What is a $255 payday loan?

It’s a loan that will bring you $255 USD and that you can pay the next day after receiving your paycheck. However, this financial product has evolved in recent times and you can now pay it in 7 to 28 days, or even in 3-12 months. It brings you more flexibility to administer your finances, and since they don’t check factors such as your credit score, it’s fairly easy to get approved.

How are $255 payday loans approved and disbursed the same day?

These loans are approved and disbursed the same day thanks to the advanced software systems that our recommended lenders use. They automatically receive the applications and proceed to review the information to…

  • Make sure it’s 100% real
  • Make sure it’s 100% accurate
  • Make sure it meets the eligibility requirements.

Once the system performs these verifications, which are blazing fast, they proceed to notify the borrower if they’ve been accepted, and if it’s the case, then they deposit the $255 into their bank account.

What is the cost of a $255 payday online loan same day?

This will vary depending on the company you choose. For example, if you go ahead with a flat fee, then it can range from $5 to $30 USD per every $100 USD you borrow, meaning that you’d have to pay back a total of $267 to $331 USD. 

Other lenders might charge you a specific rate based on the $255 payday loan. For example, lenders in the state of California can only charge a maximum of 15% of the amount of the loan. In this case, you’d have to pay back a total of $293.25 USD - making California one of the best states for people who need an online payday loan.

In other states, it’s usual for lenders to charge a higher APR, but it will go according to number of days, weeks or months you agree to pay back the loan. For example, a 7-day $255 payday loan will usually come along with an APR of 500-700%, but it will merely represent an increase of 8 to 11% of the amount of the loan at the end of the 7 days. However, if you don’t pay back on time, then it’s when the interest will start to make the loan more expensive.

If you want to keep your $255 payday loan as affordable as possible, then we recommend you to request it from HonestLoans.net because it offers the lowest fees and interest for this type of loan.

Is Your Credit Score Important for Obtaining a $255 Payday Loan Online Same Day?

This is one of the most popular questions because millions of Americans have found problems when applying for a loan due to their credit score. Here you will understand the importance of your credit score when applying for a $255 payday loan.

It doesn’t matter much because our recommended lenders will only perform a soft credit check (if any). And even if you have a limited credit history, lenders like Big Buck Loans and Low Credit Loans will gladly accept your application.

Therefore, it’s not as relevant as you think. As long as you have a verifiable income source and you meet their other eligibility requirements, it will be easy for you to get approved and receive the $255 USD straight into your bank account.

Benefits of $255 Loans Online Same Day

Applying for this type loan offers you several benefits - especially if you cannot obtain a traditional loan online:

  • You can obtain $255 for any type of situation the same day you send your application
  • You can obtain $255 even if you have bad credit
  • You can get approved for the payday loan even with low income
  • You can get the loan even with a limited credit history
  • You can get $255 USD if you’re unemployed
  • You can use this loan to improve your credit score.

In short, these loans will bring you the money you need right on the spot, when other banks or lenders simply won’t bother to help you.

Our recommended payday loans companies are willing and ready to bring you the $255 you need right now for any type of emergency - just apply now to get the money the same day.

Obtaining a $255 Payday Loan Online Same Day in Different States of the USA

The laws and regulations regarding payday lending will vary depending on the state. In 2024, payday loans will be legal in 37 US states:

  • Alabama
  • Alaska
  • California
  • Colorado
  • Delaware
  • District of Columbia
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming.

However, each state will have different regulations. For example, the maximum amount you can get as a payday loan in California is $300, for Alabama it’s $500, and in Delaware it’s $1,000 USD. Some states like Oregon allow payday lending companies to lend as much as $50,000 USD.

The following 13 US states prohibit any form of payday lending:

  • Arizona
  • Arkansas
  • Connecticut
  • District of Columbia
  • Georgia
  • Maryland
  • Massachusetts
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Vermont
  • West Virginia.

The Case for Payday Lending in California

California is a particular state when it comes to applying for a $255 payday loan online same day - here is what you need to consider:

  • Payday lenders can only lend a maximum of $300 USD at a time
  • Lenders can only charge a maximum of 15% of the total amount of the loan
  • Lenders cannot charge you with extra fees if you request an extension of the due date
  • You cannot be prosecuted in a criminal court if you don’t have the funds to pay back the loan. However, not paying back will only hurt your finances, credit score and your opportunity to get more and better loans in the future.

Fortunately, many of our recommended lenders can bring you a $255 payday loan if you live in California without problems. And it’s actually good for you because the laws of the state will protect you as a borrower, allowing you to get access to more affordable payday loans under favorable conditions.

Criteria for Choosing $255 Instant Approval Loans Online Same Day

Here you will find a complete explanation about the methodology we used to build this ranking, to bring you solid reasons why you can trust our recommendations.

Registered and Legit Lenders Only

We only selected registered and legit lenders, because otherwise you might fall into a scam. The payday loans market is plagued by such companies, and hence, we’ve only chosen the ones that are registered in the states they do business in, enjoy an excellent online reputation, have a physical address and have operated for several years without major complaints.

High Approval Rate

Then, we make sure that they have a high approval rate for borrowers of all backgrounds. Bad credit, limited credit history, low income, unemployment - they all can be accepted by our recommended lenders, because they understand the current situation of the national economy. And that’s why they’re ready to lend you $255 by just meeting some minimal eligibility requirements.

Same Day Approval and Disbursement

Since we’re helping you to find the best $255 payday loan online same day, it’s only logical to select companies that can review your application immediately and disburse the $255 USD in your bank account in 1-2 hours. Our top picks such as HonestLoans.net, Viva Payday Loans and CreditClock are the fastest lenders - with immediate approval and quick disbursement. 

Reasonable APR and Fees

Payday loans get a bad rap about outrageously high fees and APR, but it’s not true for our recommended companies. They all charge fair fees and APR, to keep the cost of your loan reasonable. It will vary depending on the company you choose, but if you want to save the most, then go ahead with HonestLoans.net, as it has the lowest fees and APR for $255 payday loans.

Flexible Terms and Conditions

Our lenders will bring you flexible terms and conditions, such as penalty-free early repayment, extensions, no origination fees, and more. Because you need to be treated with respect and generosity just like clients at traditional banks or lenders, you will receive excellent benefits when requesting your $255 payday loan online.

Incredible Customer Support

If you have any question or problem, then our recommended lenders will be more than happy to assist you. Thanks to their efficient customer support team, they can bring you the answers and solutions you need over the phone, email or even live chat.


Here you have the answers to the most frequently asked questions about $255 payday loans online with same day approval and disbursement.

Can I borrow $255 instantly until payday?

Yes, but it depends on the lender you choose. If you want to get a $255 payday loan as soon as possible, then HonestLoans.net, Viva Payday Loans and CreditClock are your best options, and once you become a regular customer, you can enjoy instant approval and immediate disbursement for future loans that you request.

Are $255 payday loans online same day legal?

Yes, but only if they’re provided by a registered and regulated lender in your state. The laws vary depending on the state, and thus it’s important to request your $255 payday loan only from a lender registered in your state, for example, Nevada, California, Alabama, etc.

How is the date for my $255 payday loan determined?

This will depend on several factors, and the lender will let you know the due date before you agree to the contract. If you decide to pay the $255 payday loan in the short term, then the due date will be in 7-28 days from the day you requested it. However, if you want to pay it over several months, then the lender will determine the due date for your loan.

Can I repay a $255 payday loan before its due date?

Yes, our recommended lenders will allow you to repay the $255 payday loan before its due date, in order to reduce the total cost of the loan, because they’re free from early repayment fees or penalties. 

What happens if I don’t pay back a $255 payday loan?

If you don’t pay back, then you will hurt your credit score even more and the lender might apply severe penalty fees. Therefore, we recommend you to only request this $255 loan if you’re 100% sure that you will be able to pay it back on time.

Can I extend the due date of my $255 payday loan?

Yes, it’s possible. However, it depends on the lender you choose, the timeframe for paying back the loan, and your state. You also have to consider that the lender might apply extra fees for extending the due date, and hence, we recommend you to stick to paying back on the due date to keep the cost of your loan under control.