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Payday Loan Fees and Disclosures

Contact us toll-free

Call us toll-free at 1-888-593-5626 with any questions you may have about our payday loan services.

License and compliance

Check Agencies of California, Inc. dba Check Center is licensed by the California Department of Business Oversight (DBO) pursuant to the deferred deposit transaction law. The California Department of Business Oversight’s toll-free number is 1-866-275-2677.

Code on responsible lending

Check Center follows the California Financial Service Providers best practices for payday lending including:

  • encouraging consumer responsibility,
  • full disclosure,
  • compliance,
  • right to rescind,
  • prohibition of ‘rollovers’
  • no criminal action,
  • no treble damages, and
  • negotiation of repayment arrangements.


Check Center does not ‘rollover’ payday loans. Under California deferred deposit transaction law, Check Center may offer a payday loan provided no other payday loan is outstanding with our company.

Late or non-payment

Late or non-payment of a payday loan results in a $15 late fee. Check Center accepts reasonable repayment arrangements. By the California Deferred Deposit Transaction Law, we cannot issue another payday loan to a customer if a loan is outstanding.


The DOC establishes payday loan fees. As a licensed payday lender in California, Check Center complies with all DOC requirements related to payday loan fees.

Our payday loan fees as mandated by the DOC, including the fees expressed as APR, are provided in the chart below:

Deferred Deposit Transactions Sample of Fees/APRs
Amount provided Fee Amount of check 14 day APR 30 day APR
$50.00 $8.83 $58.83 460.08% 214.71%
$100.00 $17.65 $117.65 460.08% 214.71%
$150.00 $26.48 $176.48 460.08% 214.71%
$200.00 $35.30 $235.30 460.08% 214.71%
$255.00 $45.00 $300.00 460.08% 214.71%
You cannot be criminally prosecuted or threatened with criminal prosecution for purposes of collecting a deferred deposit obligation. California Financial Code Section 23035 (d) (2) Check Agencies of California, dba Check Center is licensed under the Department of Business Oversight under the California Deferred Deposit Transaction Law. The Department of Business Oversight toll free number for receiving calls concerning customer complaints and concerns is 1-866-ASK-CORPS (1-866-275-2677).