About Rocket Eagle Financial
Rocket Eagle Financial connects California and Arizona residents with state-licensed payday lenders. We don't lend money. We match your application with lenders licensed to operate in your zip code, under your state's specific fee caps and term limits.
What We Actually Do
You need $255 by Friday. Or $425. The amount depends on which state you're in—California caps payday loans at $300 (you receive $255 after the $45 fee), Arizona allows up to $500 (you receive $425 after the $75 maximum fee). Either way, you need it before your next paycheck arrives.
Rocket Eagle Financial is a connection service. You submit your information—income proof, ID, banking details—and we route it to licensed lenders who serve your area. If a lender approves you, the deposit hits your checking account. We don't set the terms, hold the loan, or collect the repayment. The lender does all of that directly, under your state's regulations.
The Process: Four Steps, No Mysteries
You Submit
State ID, recent pay stub or bank statement, checking account routing and account numbers. California residents can use SSN or ITIN.
We Route
Your application goes to DFPI-licensed lenders (California) or state-licensed lenders (Arizona) that serve your zip code. No credit bureau pull at this stage.
Lender Decides
The lender checks your income timing and bank account status. They verify you don't have another active payday loan in the state database. That's it.
Same-Day ACH
Applications submitted before 10 AM on business days typically receive same-day deposits. After 10 AM, next business day. The lender handles all funding directly.
Two States, Two Sets of Rules
Every lender in our network operates under their state's specific payday lending laws. These aren't guidelines—they're caps. A lender can charge less than the maximum, but never more.
California (DFPI-Licensed)
- • Maximum loan: $300
- • Fixed fee: $45 (15% of principal)
- • You receive: $255
- • Max term: 31 days
- • One loan at a time statewide
- • No rollovers permitted
- • SSN or ITIN accepted
Arizona (State-Licensed)
- • Maximum loan: $500
- • Fee cap: 15% ($75 max)
- • You receive: up to $425
- • Max term: 35 days
- • One loan at a time
- • No rollovers permitted
- • 24-hour rescission right
What We Don't Do
Being specific about boundaries matters more than marketing language. Here's what Rocket Eagle Financial does not do:
- We don't lend money or hold loans
- We don't set interest rates or fees—your state legislature did that
- We don't guarantee approval. The lender decides based on income verification
- We don't contact your employer. Neither does the lender
- We don't run credit checks. Some lenders check state databases for existing loans, but not credit bureaus
- We don't charge you anything. The lender's fee comes from the loan itself
When a Payday Loan Makes Sense (And When It Doesn't)
A $45 fee on $300 costs more than a credit card cash advance. A $75 fee on $500 costs more than an overdraft. These aren't the cheapest options. They're the fastest options that don't require a credit check or existing credit relationship.
The math works when: your car needs a $200 repair to get to work, your paycheck arrives in 5 days, and missing those shifts costs more than $45. The math doesn't work when: you're $300 short every month because rent exceeds what your income supports. That's not a timing problem—that's a budget gap that $45 makes worse every cycle.
We connect you with lenders. What you do with that connection is your decision, and we'd rather you understand the real cost before you apply than find out after.
Ready to Apply?
California residents: up to $300, $45 fee, same-day deposit before 10 AM. Arizona residents: up to $500, $75 max fee, same-day deposit before 10 AM. No credit check. No employer contact. One form, one decision.
Start Your Application