States › California › Payday loan, title loan, personal loan, or advance loan
Who in California is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
California consumers filed 2,120 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 30 Sep 2026, up 66% on the 1,278 of the 12 months before. That is 5.40 per 100,000 residents, close to the national 5.20.
The category makes up 0.3% of the state's complaints, against 0.3% nationally. 4.7% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 93.9% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from California, with their size
Ordered by complaints from California consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from CA, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 290 | 13.7% | no public measure |
| Paramount GR Holdings, LLC | 93 | 4.4% | no public measure |
| Klarna AB | 73 | 3.4% | no public measure |
| OneMain Finance Corporation | 72 | 3.4% | no public measure |
| Uprova Credit, LLC | 48 | 2.3% | no public measure |
| WLCC | 43 | 2% | no public measure |
| Block, Inc. | 42 | 2% | no public measure |
| UPGRADE, INC. | 41 | 1.9% | no public measure |
| SOFI TECHNOLOGIES, INC. | 41 | 1.9% | $57bn assets |
| Solar Mosaic LLC | 37 | 1.7% | no public measure |
| Wolf River Development Company | 35 | 1.7% | no public measure |
| Westlake Services, LLC | 33 | 1.6% | no public measure |
| Rosebud Economic Development Corporation | 33 | 1.6% | no public measure |
| Upstart Holdings, Inc. | 31 | 1.5% | no public measure |
| TRUIST FINANCIAL CORPORATION | 29 | 1.4% | $548bn assets |
| SYNCHRONY FINANCIAL | 28 | 1.3% | $115bn assets |
| Paypal Holdings, Inc | 25 | 1.2% | no public measure |
| Crow Creek Sioux Tribe | 25 | 1.2% | no public measure |
| WELLS FARGO & COMPANY | 24 | 1.1% | $1.92tn assets |
| MoneyLion Inc. | 22 | 1% | no public measure |
| All other companies, including those not listed by name | 1,055 | 49.8% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 4 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 554 | 26.1% |
| Problem when making payments | 356 | 16.8% |
| Getting the loan | 216 | 10.2% |
| Problem with additional add-on products or services | 205 | 9.7% |
| Struggling to pay your loan | 202 | 9.5% |
| Problem with the payoff process at the end of the loan | 131 | 6.2% |
| Incorrect information on your report | 94 | 4.4% |
| Problem with a company's investigation into an existing problem | 43 | 2% |
| Getting a line of credit | 35 | 1.7% |
| Can't contact lender or servicer | 34 | 1.6% |
| Other CFPB issue categories | 250 | 11.8% |
How companies responded
- Closed with explanation1,911 · 90.1%
- In progress69 · 3.3%
- Closed with monetary relief50 · 2.4%
- Closed with non-monetary relief46 · 2.2%
- All other categories44 · 2.1%
| Measure | California, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 5.40 | 5.20 |
| Closed with monetary or non-monetary relief | 4.7% | 5.6% |
| Responses marked timely | 93.9% | 94.5% |
Trend
Other products in California
Credit reporting or other personal consumer reports · 568,105Debt collection · 27,470Credit card · 14,491Checking or savings account · 11,833Money transfer, virtual currency, or money service · 4,657Mortgage · 3,868Vehicle loan or lease · 2,752Student loan · 1,917
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from California?
2,120 in the 12 months to 30 Sep 2026, 1,278 in the 12 months before and 4,250 since 2011.
Is that high for the population?
5.40 per 100,000 residents in California against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (26.1%), “Problem when making payments” (16.8%), “Getting the loan” (10.2%), “Problem with additional add-on products or services” (9.7%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.