Sacramento, CA Payday Loan Lenders

26 local stores from 6 companies located in Sacramento, CA
Rating
Reviews
Lender
3.61
175
reviews
Ace Cash Express
Ace Cash Express
has 5 offices
4.62
169
reviews
Advance America
Advance America
has 7 offices
3.55
82
reviews
Allied Cash Advance
3.85
335
reviews
Check 'n Go
Check 'n Go
has 6 offices
3.90
349
reviews
Check into Cash
Check into Cash
has 6 offices
4.00
1
review
Payday Loans Sacramento

All Sacramento, CA Lenders Offices by Rating

Rating
Office Address
5.00
12 reviews
Advance America
4215 Norwood Ave., #3B, Sacramento, CA 95838 show on map
permanently closed
5.00
8 reviews
Advance America
9167-B Kiefer Blvd., Sacramento, CA 95826 show on map
permanently closed
4.95
58 reviews
Advance America
2544 Arden Way, Ste. B, Sacramento, CA 95825 show on map
tel: 916-488-4783
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–4PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 11AM–3PM
Sunday: Closed
4.70
42 reviews
Check 'n Go
4241 Florin Road,Suite 20, Sacramento, CA 95823 show on map
permanently closed
4.70
7 reviews
Advance America
7828 Gerber Road, Sacramento, CA 95828 show on map
permanently closed
4.60
54 reviews
Check into Cash
1589 West El Camino Avenue, Ste 109, Sacramento, CA 95833 show on map
tel: 916-923-2464
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
4.60
52 reviews
Check into Cash
6286 Mack Road, Sacramento, CA 95823 show on map
tel: 916-427-5481
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
4.60
37 reviews
Check 'n Go
7850 Stockton Boulevard,Suite 180, Sacramento, CA 95823 show on map
permanently closed
4.60
35 reviews
Advance America
1510-C West El Camino Ave., Sacramento, CA 95833 show on map
tel: 916-569-1508
Hours:
Monday: 10AM–6PM
Tuesday: Closed
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–3PM
Sunday: Closed
4.40
34 reviews
Ace Cash Express
4341 Elkhorn Blvd, Sacramento, CA 95842 show on map
tel: 916-348-2990
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.40
30 reviews
Ace Cash Express
5227 Elkhorn Blvd, Sacramento, CA 95842 show on map
tel: 916-331-0545
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.15
36 reviews
Advance America
5318 Stockton Blvd., Sacramento, CA 95820 show on map
tel: 916-455-0309
Hours:
Monday: 10AM–6PM
Tuesday: Closed
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–3PM
Sunday: Closed
4.00
1 review
Payday Loans Sacramento
1829 S Street, Sacramento, CA 95811
3.95
67 reviews
Check into Cash
3633 Bradshaw Rd, Suite F, Sacramento, CA 95827 show on map
tel: 916-369-8737
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
3.95
52 reviews
Check 'n Go
5365 Elkhorn Boulevard, Sacramento, CA 95842 show on map
permanently closed
3.95
13 reviews
Advance America
4573 Mack Road, Sacramento, CA 95823 show on map
tel: 916-395-6375
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–3PM
Sunday: Closed
3.85
36 reviews
Check into Cash
2527 Alta Arden Expressway, Sacramento, CA 95825 show on map
tel: 916-481-8675
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
3.70
26 reviews
Ace Cash Express
8391 Folsom Blvd, Sacramento, CA 95826 show on map
tel: 916-388-0673
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
3.65
122 reviews
Check 'n Go
2550 Alta Arden Expressway, Sacramento, CA 95825 show on map
permanently closed
3.55
82 reviews
Allied Cash Advance
2400 Florin RoadSuite D, Sacramento, CA 95822 show on map
permanently closed
3.40
105 reviews
Check into Cash
5442 Auburn Blvd, Sacramento, CA 95841 show on map
tel: 916-349-1990
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
3.35
50 reviews
Check 'n Go
3557 Bradshaw Road,Suite 2C, Sacramento, CA 95827 show on map
permanently closed
3.00
35 reviews
Check into Cash
5200 Stockton Blvd, #130, Sacramento, CA 95820 show on map
tel: 916-739-6883
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
2.85
38 reviews
Ace Cash Express
4110 Norwood Ave, Sacramento, CA 95838 show on map
tel: 916-567-1143
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–5PM
Sunday: Closed
2.85
32 reviews
Check 'n Go
5635 Freeport Boulevard,Suite 8, Sacramento, CA 95822 show on map
permanently closed
2.70
47 reviews
Ace Cash Express
6640 Valley Hi Drive, Sacramento, CA 95823 show on map
tel: 916-688-1002
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed

Latest Reviews

Nikki Bridges
5 / 5 May 5, 2021
about Advance America's office
5318 Stockton Blvd., Sacramento, CA 95820
Javi Singh
5 / 5 May 3, 2021
about Advance America's office
4573 Mack Road, Sacramento, CA 95823
Rosetta McManus
5 / 5 Apr 30, 2021
about Check into Cash's office
5200 Stockton Blvd, #130, Sacramento, CA 95820
Jackie R.
5 / 5 Apr 30, 2021
about Ace Cash Express's office
4110 Norwood Ave, Sacramento, CA 95838
Ty C.
5 / 5 Apr 27, 2021
about Ace Cash Express's office
4110 Norwood Ave, Sacramento, CA 95838
Samantha V.
5 / 5 Mar 12, 2021
about Check into Cash's office
2527 Alta Arden Expressway, Sacramento, CA 95825

My recent experience with Check into Cash can be called satisfactory. However, it is not really likely that I will use these loans again - the interest rates are way too expensive for me. ...

Celine
3 / 5 Oct 28, 2013
about Check into Cash's office
5200 Stockton Blvd, #130, Sacramento, CA 95820

There are no words to express my gratitude towards the incredibly amazingly payday loans. It was my first experience to borrow such type of loans however, it has been a totally satisfying and positive one. It is a common scenario to face financial dilemma when we commit mistakes while balancing our monthly budget. Often depending on the future cash flow, we make some plans and while proceeding with them it becomes difficult if due to some reasons the inflow of cash is delayed. Either to keep up the given word it can be for families or kids we need emergency cash to fulfill our duties. Payday loans Sacramento has helped me a great deal to come over such situations and keep my word. I do prefer these services in emergency cash needs and every time I deal with them, I enhance my experiences of their flawless services. Although I use them, only when I need them I insist you to use them whenever you face such situations. After all, it is always better to keep up your reputation rather than asking your friends and families for financial assistance. ...

Adam
4 / 5 Mar 20, 2012
about Payday Loans Sacramento's office
1829 S Street, Sacramento, CA 95811

Payday Loans in Sacramento

Being the capital of California, Sacramento is far from the largest city in the state. However, there are things about it that make it very different from other cities in the state. Apart from a relative abundance of freshwater (as compared to the rest of California) and lush flora, it provides for a more affordable life. Many East state residents have chosen to move to Sacramento and start a business here. The several payday loan firms seem to have found a good niche in Sacramento as they would come for low- and middle-income people who are the biggest part of their clientele.

All officially registered payday loan lenders provide quick loans in keeping with the local law, which regulates their work. These include Cash Loan 888, Cashmax, Payday Loans Sacramento, Quickest Cash Advance and Payday Loans, etc. The lending sector began to grow after the 2007 recession when the economic decline caused financial trouble to many residents and made them want to borrow. Payday lenders are quicker to grant a loan than banks and they are less picky about clients in terms of credit history. Right now, it is possible to apply to any of these lenders online and get a loan without having to visit the office. The downside of payday loans is very high percentage rates. 

State Regulation

The law, which regulates payday loan lending in California, fully applies to firms that operate in Sacramento. They cannot grant more than $300, at APR higher than 460%, and they are not allowed to charge more than 15% per $100. There are no rollovers, and lenders are not allowed to grant loans to borrowers, who have not repaid yet. Likewise, clients are not allowed to borrow until they have fully repaid all their debts. This should help borrowers avoid falling into the vicious cycle of indebtedness. Any criminal action against indebted clients or lenders is strictly prohibited.

Local Regulation

Sacramento has passed Local ORDINANCE 2009-017 in the 2009 year.

  • Adopted on March 31, 2009
  • Signed by Shirley Concolino (City Clerk), Lauren Hammond (Vice-Mayor)

Restrictions:

  • 1000 feet between payday loan lenders, also within 1000 feet of banks, churches, schools;
  • 500 feet between lenders and residential homes;
  • Opening hours: 7 am -7 pm.

Payday Loans Complaints

The Department of Financial Protection and Innovation (DFPI)
Send a complaint online. (Phone: 1-866-275-2677)

Sacramento Payday Loans Stats

In 2021 year, 20 payday loan storefronts (10 different companies) have active licensees in Sacramento. (Source – DFPI)

  • Money Mart (Monetary Management of California, Inc): 7 stores (the oldest – from 31 Dec 2004);
  • Check Into Cash (Check Into Cash of California, Inc): 7 stores (the oldest – from 13 Jan 2005);
  • Cash Central (California Check Cashing Stores, LLC): 7 stores (the oldest – 28 Sep 2006);
  • ACE Cash Express (Populus Financial Group, Inc): 5 stores (the oldest – from 31 Dec 2004);
  • Advance America (Cash Advance Centers of California, LLC): 5 stores (the oldest – from 31 Dec 2004);
  • Cash 1 (Buckeye Check Cashing of California, LLC): 4 stores (the oldest – from 29 Mar 2007);
  • USA Cash Services (QC Instant Cash of California, Inc): 2 stores (the oldest – from 3 Sept 2009);
  • Cash Loan 888 (Lending Bandr, LLC): 1 store (works from 29 Jan 2019);
  • Money Mart Express: 1 store (works from 31 Dec 2004);
  • Cashmax: 1 store (works from 16 July 2013);

Sacramento General Information

Starting in 1839 as a fort near the confluence of the Sacramento and American Rivers, Sacramento got a tremendous boost during the Gold Rush in the late 1840s. Later, it continued to boom thanks to thriving commerce assisted by the two rivers, the Pony Express mail service, and the Transcontinental Railroad. In the 1920s, the city became a charter city, which boosted the energy sector and drew massive investment to the area. This contributed to the growth of education, retail industry, accommodation business, military bases, food processing, etc. Throughout this period, Sacramento has been gaining in population and industrial potential, which created a basis for banking and payday loan lending in the 1990s.

Demographics and Housing

The urban population is 1,854,700 people, the municipal – 501,901. Since 2010, it has increased by more than 35,000 people. The racial composition trend is similar to that of most Californian cities: the non-Hispanic white population continues to decline, while Hispanic and Asian groups have grown. As of now, it is 48.5% of white (including Hispanic and non-Hispanic), 18% Asian, 13.4% African American, 1.6% and 0.7% Pacific and Native respectively.

The median age is 34.3 years old, the biggest shares are comprised of people in their twenties (16.6%) and thirties (15.6%). The median household income is $54,516, average family size is 3.43. The unemployment rate is 9.3, i. e. higher than in San Diego and San Francisco. Most likely, it is because the Port of Sacramento is going through hard times and has pretty much given up to the Port of Stockton, which demonstrates a higher capacity.

The home value is relatively low compared to other major cities of California – $286,886, as is the median rent ($1,349). The rent burden is 20.8%. All this makes homeownership a little more affordable (47.3%). 

Business in Sacramento Today

Despite the high unemployment rate, there are plenty of job options in Sacramento. Particularly, there is a good choice of vacancies in the governmental and administration sectors, because Sacramento is the capital of California. Other major employers include Sutter Health, Blue Diamond Growers, Teichert, United Service Automobile Association, The McClatchy Company, etc. As long as the economy is still recovering from the 2007 recession, there is a demand for online payday loan services.

Sacramento Residents Debt-to-Income Ratios
Sacramento residents have 677 median credit score and the average number of late payments is about 4.14. Below represented DTI (Debt-to-Income) ratios shows how Sacramento residents debts stacks up against their income. As of 2020.
Credit Card DTI
4.76%
Mortgage DTI
431.55%
Car Loan DTI
28.76%
Student Loan DTI
37.49%
Sacramento Residents Financial Statistics
Below represented statistics is for Sacramento, Sacramento County, California. As of 2019.
Median age of Sacramento's residents, years
34
Labour force participation rate, %
63.7%
Unemployment rate, %
7.0%
% of residents with no health insurance
5.8%
Median individual income, USD
$31,574
Median household income, USD
$62,335
% of households with income under $35,000
29.0%
% of households with income $35,000 - $75,000
29.0%
% of households with income $75,000 - $100,000
13.1%
% of households with income over $100,000
28.9%
% of households that own their residence
48.5%
Median home value owned by residents, USD
$336,448
Median rent cost, USD
$1,263
Rent Burden, %
34.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
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Sacramento, CA
Payday Loans are legal* in California.
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