Sacramento, CA Payday Loan Lenders

41 local store from 9 companies located in Sacramento, CA
Rating
Reviews
Lender
3.67
216
reviews
Ace Cash Express
Ace Cash Express
has 5 offices
4.40
158
reviews
Advance America
Advance America
has 4 offices
3.00
1
review
California Check Cashing Stores
0
0
reviews
Cash 1
Cash 1
has 4 offices
5.00
1
review
CashMax
CashMax
has 1 office
3.92
358
reviews
Check into Cash
Check into Cash
has 6 offices
5.00
1
review
Money Mart
Money Mart
has 7 offices
4.00
1
review
Payday Loans Sacramento
0
0
reviews
USA Cash Services
USA Cash Services
has 2 offices

All Sacramento, CA Lenders Offices by Rating

Rating
Office Address
5.00
2 reviews
Tiny Cash Payday Loans
5714 Folsom Blvd, Sacramento, CA 95819 show on map
tel: 916-623-1109
Hours:
Monday: 9AM–6:30PM
Tuesday: 9AM–6:30PM
Wednesday: 9AM–6:30PM
Thursday: 9AM–6:30PM
Friday: 9AM–6:30PM
Saturday: 9AM–6:30PM
Sunday: 9AM–6:30PM
5.00
1 review
Cashmax
2160 El Camino Ave #B,, Sacramento, CA 95821
5.00
1 review
Money Mart
2202 El Camino Avenue, Sacramento, CA 95821
4.95
60 reviews
Advance America
2544 Arden Way, Ste. B, Sacramento, CA 95825 show on map
tel: 916-488-4783
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 11AM–3PM
Sunday: Closed
4.70
57 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
4.70
44 reviews
Advance America
1510-C West El Camino Ave., Sacramento, CA 95833 show on map
tel: 916-569-1508
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
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
4.40
38 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
4.30
33 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
4.20
40 reviews
Advance America
5318 Stockton Blvd., Sacramento, CA 95820 show on map
tel: 916-455-0309
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.00
1 review
Payday Loans Sacramento
1829 S Street, Sacramento, CA 95811
3.95
70 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
3.90
32 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
3.85
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
3.75
14 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–2PM
Sunday: Closed
3.40
108 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
3.10
59 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
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
3.00
1 review
California Check Cashing Stores
6154 Florin Road, Sacramento, CA
2.65
54 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
1.00
1 review
Payday Loans
9669 Folsom Blvd, Sacramento, CA 95827 show on map
tel: 916-507-0240
0.00
0 reviews
USA Cash Services
9669 Folsom Blvd, Sacramento, CA 95827
0.00
0 reviews
USA Cash Services
1350 Fulton Blvd., Sacramento, CA 95825
0.00
0 reviews
Money Mart
6510 Florin Road, Sacramento, CA 95828
0.00
0 reviews
Money Mart
5400 Stockton Boulevard, Sacramento, CA 95820
0.00
0 reviews
Money Mart
5044 Madison Avenue, Sacramento, CA 95841
0.00
0 reviews
Money Mart
4709 Florin Road, #1A, Sacramento, CA 95823
0.00
0 reviews
Money Mart
2001 Broadway, Sacramento, CA 95818
0.00
0 reviews
Money Mart
1511 Del Paso Boulevard, Sacramento, CA 95815
0.00
0 reviews
Advance-e-Cash
1625 N Market Blvd, Sacramento, CA 95834 show on map
tel: 800-952-5210
Hours:
Monday: 9AM–6:30PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 10AM–3PM
Sunday: Closed
0.00
0 reviews
Ace Express
Alta Valley Dr, Sacramento, CA 95823 show on map
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
0.00
0 reviews
California Check Cashing Stores
1290 Fulton Ave, Sacramento, CA
0.00
0 reviews
California Check Cashing Stores
2433 Northgate Blvd., Sacramento, CA
0.00
0 reviews
Cash 1
4550 Mack Rd., Sacramento, CA
0.00
0 reviews
Cash 1
3501 Watt Ave., Sacramento, CA
0.00
0 reviews
Cash 1
5363 Auburn Blvd. STE A, Sacramento, CA
0.00
0 reviews
Cash 1
1600 W. El Camino Ave., Sacramento, CA
0.00
0 reviews
California Check Cashing Stores
2815 Florin Rd, Sacramento, CA
0.00
0 reviews
California Check Cashing Stores
2399 Fruitridge Rd, Sacramento, CA
0.00
0 reviews
California Check Cashing Stores
2800 Broadway, Ste 3, Sacramento, CA
0.00
0 reviews
California Check Cashing Stores
2126 El Camino Ave, Sacramento, CA

Latest Reviews

Desmond Cooke
5 / 5 Aug 21, 2021
about Advance America's office
1510-C West El Camino Ave., Sacramento, CA 95833
AnnaMarie Davis
5 / 5 Aug 14, 2021
about Advance America's office
1510-C West El Camino Ave., Sacramento, CA 95833
Megan Redmond
5 / 5 Aug 11, 2021
about Advance America's office
1510-C West El Camino Ave., Sacramento, CA 95833
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

Thanks for the service, this is the only thing to say - whoever would actually give me a loan right before Christmas and without any ado?! right, no one. Not any bank will bother. I am glad because I could buy a present for my kid - you could have seen my son's face! Any interest rate is worth it. ...

Louise Melhoff
5 / 5 Jan 2, 2014
about Cashmax's office
2160 El Camino Ave #B,, Sacramento, CA 95821

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

I can say that this is not the best option ever. I used this loan in order to make sure that I avoid overdraft but it was a naive idea. Really, they send the check about twice before I asked them not to to ot again. I already got NSF fee and that ruined my account. It took me about several months to repay in full and I do not think I will make the same mistake again. ...

Jillian Green
3 / 5 Apr 3, 2013
about California Check Cashing Stores's office
6154 Florin Road, Sacramento, CA

Due to a payday loan I managed to survive, because it’s inconceivable to live without a laptop. I felt totally miserable when my PC was virulently stolen. My colleague at work advised getting a payday loan and said that it wouldn’t even ruin my salary. It was easy, quick and very comfortable. The next day a computer was successfully bought and now I feel that I’m the happiest man in the world. Living without a PC is unbearable, especially for a programmer. I’m satisfied with a new purchase and a brave decision I’ve made. It really works, thank you so much. ...

Franco
5 / 5 Apr 27, 2012
about Money Mart's office
2202 El Camino Avenue, Sacramento, CA 95821

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);
  • Organizations that supported this ordinance: Sacramento ACORN, the Sacramento Housing Alliance, Villa San Juan Owners Association, the Interfaith Service Bureau, the Sacramento Central Labor Council, the California Reinvestment Coalition.

Restrictions:

  • 1000 feet between payday loan lenders, also within 1000 feet from 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

  • 2007 year, 55 payday loan lending outlets;
  • 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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41 Local Stores
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739 Reviews
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