Payday Loans in Sacramento, CA Near You

In Sacramento, California, payday loans are available from $100 to $300, and you can easily apply online to get the cash fast. Even those with bad credit may qualify for this type of short-term loan. A guarantor or collateral is not required, making it ideal if you struggle to get accepted by banks due to a bad credit score.

Fast Loans From Direct Lenders ($100 - $35,000):

While lenders reserve the right to do credit checks, this is often a soft search that does not affect your credit rating, and applying online often means you can reach multiple lenders with one loan request.

Our directory of payday lenders in Sacramento can help you find the solution that's best for you. And, while you won't know the exact interest rate or terms before going through the application process, we only link to direct lenders who are legally licensed to issue payday loans in Sacramento, so you know you'll be getting a competitive rate and everything is above board.

As long as you are over the age of 18, a resident of Sacramento, have a bank account in your name, and are in full-time employment, you are eligible to apply for a payday loan. What's more, if you are approved by a lender you could see the money in your account in as fast as one working day!

Is payday lending legal in Sacramento, CA?

All cities in California fall under the state's payday lending regulations, meaning payday loans are completely legal in Sacramento. However, there are some restrictions and protections to ensure borrowers don't get into financial trouble.

Payday loan terms are only available on loans up to $300 – amounts higher than this fall under installment loan regulations, though lenders often combine applications to make the process easier.

This means you have to repay loans up to $300 within 31 days, in one lump sum, which should give you enough time to get your next pay check. The finance charge or interest will never exceed more than 15% per $100, which translates to an APR of around 460%.

Borrowers are only permitted to take out one payday loan at a time but are free to apply for another one as soon as they've made the repayment. Lenders are not permitted to extend, renew or rollover existing payday loans beyond the maximum 31 days. If you fail to make the repayment you can only be charged a further $15, though your credit score will almost certainly be impacted.

Payday loan alternatives in Sacramento

Payday loans are designed for the specific situation of not being able to cover your outgoings for that month. They can be viewed as an advance on your wages, just not from your employer.

With that in mind, you shouldn't consider a payday loan if you are in a different kind of financial predicament or cannot make the repayment when you next get paid.

For example, if you need to borrow more than $300, then an installment loan repaid over a longer period of time is a better solution.

Likewise, payday loans are designed for those that don't have access to savings, credit cards, or who have been rejected by the banks and larger lenders due to a poor credit history. If you can get funds via these traditional methods, it will likely be cheaper in the long run than a payday loan.

Sacramento information:

Population: 508,517
Average car ownership: 2
Median age: 34.3
Median household income: $65,046
Homeownership rate: 49.1
Median property value: $358,300

Eligibility requirements for payday loans in Sacramento, California

If you wish to apply for a payday loan in Sacramento, California, there are a few requirements you must meet before proceeding. If you meet these it is completely legal to take out a payday loan of up to $300.

  • You must be at least 18 years old to borrow money in the United States.
  • You must be a legal resident of Sacramento with an address from which you can reached.
  • You must have a bank account with basic checking facilities so the loan can be quickly issued, and the repayment automatically taken.
  • You must be in full time employment or self-employment, or otherwise earn a regular income of at least $1,000 per month to ensure you have the means to make repayment.
  • You must not already have an outstanding payday loan.

Other than that, there is no collateral or guarantor required, and even those with bad credit are routinely approved for reasonable amounts.

Payday loans are available for the following Sacramento zip codes: 95811, 95814, 95815, 95816, 95817, 95818, 95819, 95820, 95821, 95822, 95823, 95824, 95825, 95826, 95827, 95828, 95829, 95830, 95831, 95832, 95833, 95834, 95835, 95837, 95838, 95841, 95842, 95864, 94295, 94249, 94211, 94230, 94284, 94273, 94232, 95860, 94257, 94291, 94207, 94262, 94258, 94269, 95857, 94256, 94283, 95866, 94277, 94282, 94248, 95867, 94234, 94235, 94240, 94243, 94229, 94239, 94294, 94297, 94204, 95873, 94288, 94298, 94289, 94236, 94206, 95865, 95852, 94209, 95813, 94287, 94245, 94271, 94208, 94244, 94263, 94285, 94203, 94250, 94290, 94237, 95836, 94253, 94259, 94267, 95812, 94296, 95851, 94268, 94274, 94254, 94278, 94247, 94246, 94261, 95894, 94279, 94293, 95887, 94286, 95853, 94280, 94252, 95840, 94299, 94205, 95899.

If you are in Sacramento, you can get started today by using our loan request tool or you can browse the directory of lenders to find one that suits you.

Why get a payday loan online in Sacramento (CA)?

While Sacramento is home to many payday loan stores, it is increasingly popular to apply online with a licensed lender. This is because you do not have to drive to the physical location and wait in line, nor fill out any physical paperwork.

Everything is completed online with direct lenders, so you will know quickly if you have been approved. If you digitally sign the lender's agreement during the working week, the cash may be deposited into your account within one business day - perfect if you are in an emergency and need fast cash.

Furthermore, if you use our loan request tool you can pass your details through a network of over 100 payday lenders in Sacramento, so you don't have to spend to applying one-by-one and risking multiple application searches on your credit report.

List of Payday Loan Companies in Sacramento, CA:

3465 Watt Ave, Sacramento, 95821

(916) 483-2571

6640 Valley Hi Dr Ste A2, Sacramento, 95823

(916) 318-6761

8391 Folsom Blvd Ste 2, Sacramento, 95826

(916) 318-6705

4110 Norwood Ave Ste 400, Sacramento, 95838

(916) 246-6668

5427 Auburn Blvd, Sacramento, 95841

(916) 349-2355

5427 Auburn Blvd, Sacramento, 95841

(916) 349-2355

4341 Elkhorn Blvd, Sacramento, 95842

(916) 246-6558

5227 Elkhorn Blvd, Sacramento, 95842

(916) 407-0484

7651 Daly Ave, Sacramento, 95842

(916) 723-3248

5227 Elkhorn Blvd, Sacramento, 95842-2506

(916) 331-0545

2544 Arden Way Ste B, Sacramento, 95825

(916) 488-4783

5318 Stockton Blvd, Sacramento, 95820

(916) 455-0309

4573 Mack Rd Raley's Shopping Center, Sacramento, 95823

(916) 395-6375

9167 Kiefer Blvd Ste B, Sacramento, 95826

(916) 362-9441

7828 Gerber Rd, Sacramento, 95828

(916) 681-2200

4215 Norwood Ave, Sacramento, 95838

(916) 646-9794

2400 Florin Rd, Sacramento, 95822

(916) 424-2635

1023 J St, Sacramento, 95814

(916) 469-5390

2151 Fulton Ave Ste 150, Sacramento, 95825

(916) 977-0983

2900 Northgate Blvd Ste A, Sacramento, 95833

(916) 643-4817

205 Folsom Bl & La Riviera Dr, Sacramento, 95814

(916) 368-9600

Northgate & W El Camino, Sacramento, 95814

(916) 288-4044

Fruitridge Mlk, Sacramento, 95814

(916) 424-7296

2800 Broadway, Sacramento, 95817

(916) 731-7296

3920 Fruitridge Rd, Sacramento, 95820

(916) 424-7296

2126 El Camino Ave, Sacramento, 95821

(916) 641-2274

2399 Fruitridge Rd, Sacramento, 95822

(916) 454-6185

2815 Florin Rd, Sacramento, 95822

(916) 392-2435

6154 Florin Rd, Sacramento, 95823

(916) 422-2435

1290 Fulton Ave, Sacramento, 95825

(916) 973-1570

2433 Northgate Blvd, Sacramento, 95833

(916) 646-6776

916 J St, Sacramento, 95814

(866) 496-6900

3501 Watt Ave, Sacramento, 95821

(916) 486-1834

4550 Mack Rd, Sacramento, 95823

(916) 429-1971

1600 W El Camino Ave, Sacramento, 95833

(916) 643-2274

5363 Auburn Blvd, Sacramento, 95841

(916) 265-2884

5550 Franklin Blvd Ste 103, Sacramento, 95820

(916) 573-4949

2160 El Camino Ave Ste B, Sacramento, 95821

(916) 246-2337

5635 Freeport Boulevard Suite 8, Sacramento, 95822

(916) 421-3300

5365 Elkhorn Boulevard, Sacramento, 95842

(916) 331-5900

5200 Stockton Blvd, Sacramento, 95820

(916) 739-6883

7880 Alta Valley Dr, Sacramento, 95823

(916) 525-1450

6286 Mack Rd, Sacramento, 95823

(916) 427-5481

2527 Alta Arden Expy, Sacramento, 95825

(916) 481-8675

3633 Bradshaw Rd, Sacramento, 95827

(916) 369-8737

1589 W El Camino Ave, Sacramento, 95833

(916) 923-2464

5442 Auburn Blvd, Sacramento, 95841

(916) 349-1990

4241 Florin Road Suite 20, Sacramento, 95823

(916) 424-4180

7850 Stockton Boulevard Suite 180, Sacramento, 95823

(916) 681-2211

2550 Alta Arden Expressway, Sacramento, 95825

(916) 487-3836

3557 Bradshaw Road Suite 2c, Sacramento, 95827

(916) 363-0623

3850 Fruitridge Rd, Sacramento, 95820

(916) 306-5786

6160 Florin Rd Ste B, Sacramento, 95823

(916) 245-7455

2830 Arden Way, Sacramento, 95825

(916) 993-5758

1511 Del Paso Blvd, Sacramento, 95815

(916) 921-2274

2422 Del Paso Blvd, Sacramento, 95815

(916) 923-2274

2001 Broadway, Sacramento, 95818

(916) 456-2274

4603 Broadway, Sacramento, 95820

(916) 452-6669

5400 Stockton Blvd, Sacramento, 95820

(916) 455-2274

4709 Florin Rd Ste 1a, Sacramento, 95823

(916) 393-2274

6510 Florin Rd, Sacramento, 95828

(916) 391-4900

3336 Bradshaw Rd, Sacramento, 95827

(916) 971-8800

1829 S Street, Sacramento, 95811

(916) 200-4866

707 Commons Dr, Sacramento, 95825

(916) 936-3454

8343 Folsom Blvd, Sacramento, 95826

(916) 318-9282

400 Capitol Mall, Sacramento, 95814

(916) 449-3923

1350 Fulton Ave, Sacramento, 95825

(916) 971-3500

9669 Folsom Blvd, Sacramento, 95827

(916) 363-5900

Fast Loans From Direct Lenders ($100 - $35,000):