Payday Loans in California: The Facts

Payday loan customers MUST have:

A checking account
A steady source of income

Payday loans are often less expensive than other short-term credit or real-life alternatives like:

Fees and interest for bounced checks or overdraft protection.
Skipped bills with interest, late charges, and reconnect fees.
Missed days of work because of, for example, needed auto repairs.

The only cost for a payday loan is the fixed, up-front fee.

Interest or late charges are not allowed by law.
The fee is capped at $45 and loans are limited to $255
Payday loans are regulated by the California Department of Corporations
Customers cannot take a new loan if one is outstanding from the same lender.

The process is straightforward and transparent.

Fills out application and is shown the terms.
Writes a check for up to $300, which will be held uncashed.
Receives the loan - the check amount less than one-time fee.
Pays back the loan on the next payday or the check is cashed or deposited.

Consumers are protected if a payback problem arises.

There is no collateral at risk.
The law limits collection measures and damages.
Payment plans, without additional cost, are widely available for customers who cannot pay back their loan on time.

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8:00 to 4:00

Innovative Expo Exhibit Floor Set-Up

Salons D and E

12:00 to 4:00

Exhibitor Booth Set-Up

Salons D and E

12:00 to 2:15

Board Luncheon and Annual Board Meeting

Desert Suite 3

12:00 to 5:00



2:45 to 4:30

General Session 1

Salons A, B and C

4:45 to 6:00

CFSP Board, Exhibitors & Sponsors Cocktail Party

Presidential Suite

6:00 to 8:30

Grand Exhibit Hall Opening

Salons D and E





6:45 to 7:45

Early Bird Pastries and Coffee

Salons A, B and C

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General Session 2

Salons A, B and C

9:45 to 10:00



10:00 to 11:45

General Session 2

Salons A, B and C

11:45 to 1:30

Sandwich Buffet Lunch in Exhibit Hall

Salons D and E

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Golf Event @ Rancho Las Palmas Course SHOT GUN START

Rancho Las Palmas Course

2:00 to 3:00


3:15 to 4:15


4:45 to 5:00

5:00 to 7:00

Heavy Hors d'oeuvres

Salons D and E


Enjoy the Resort and Palm Springs Area


8:00 to 1:00

Exhibitor Tear-Down

Salons D and E

7:30 to 8:30

Early Bird Coffee and Pastries

Salons A, B and C

8:30 to 9:30

Speaker Open

Salons A, B and C

9:30 to 12:00

General Session 3

Salons A, B and C