Cal. Codes » Financial Code / DIVISION 9. CALIFORNIA FINANCING LAW / CHAPTER 2. Consumer Loans / ARTICLE 3. Loan Regulations
California Codes

Cal. Financial Code § 22303 (2026)

Loan Regulations

✓ leginfo export of Sept. 26, 2026 (applied Oct. 1, 2026)
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Every licensee who lends any sum of money may contract for and receive charges at a rate not exceeding the sum of the following:

(a)Two and one-half percent per month on that part of the unpaid principal balance of any loan up to, including, but not in excess of two hundred twenty-five dollars ($225).

(b)Two percent per month on that portion of the unpaid principal balance in excess of two hundred twenty-five dollars ($225) up to, including, but not in excess of nine hundred dollars ($900).

(c)One and one-half percent per month on that part of the unpaid principal balance in excess of nine hundred dollars ($900) up to, including, but not in excess of one thousand six hundred fifty dollars ($1,650).

(d)One percent per month on any remainder of such unpaid balance in excess of one thousand six hundred fifty dollars ($1,650).

This section does not apply to any loan of a bona fide principal amount of two thousand five hundred dollars ($2,500) or more as determined in accordance with Section 22251.

Notes of Decisions
Cited in 3 cases (1 in the last 5 years), 2011–2022 · leading case: O'Donovan v. CashCall, Inc., 278 F.R.D. 479 (N.D. Cal. 2011).
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O'Donovan v. CashCall, Inc., 278 F.R.D. 479 (N.D. Cal. 2011). · cites it 2× “5, and California Financial Code section 22150 and its accompanying regulation, Title 10 of the California Code of Regulations, section 1452.”
de la Torre v. CashCall, Inc., 56 F. Supp. 3d 1073 (N.D. Cal. 2014). · cites it 3× “Cal. Fin.Code § 22303. The Financial Code nonetheless authorizes the Department to take action against improper charges by licensees.”
Mao v. Global Trust Mgmt., LLC, No. 4:21-cv-00065 (E.D. Va. Mar. 31, 2022). · cites it 2× “The Amended Complaint alleges that Defendants have violated California Financial Code § 22303 which renders the loans void under § 22750.”
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