Sacramento, CA Payday Loans Lenders

36 local stores from 8 companies located in Sacramento, CA
Rating
Reviews
Lender
3.92
441
review
Ace Cash Express
Ace Cash Express
has 5 offices
4.38
223
reviews
Advance America
Advance America
has 4 offices
3.33
131
review
California Check Cashing Stores
2.72
125
reviews
Cash 1
Cash 1
has 4 offices
4.90
150
reviews
CashMax
CashMax
has 1 office
3.92
357
reviews
Check into Cash
Check into Cash
has 6 offices
4.17
507
reviews
Money Mart
Money Mart
has 7 offices
4.45
45
reviews
USA Cash Services
USA Cash Services
has 2 offices

All Sacramento, CA Lenders Offices by Rating

Rating
Office Address
4.95
61 review
Advance America
2544 Arden Way, Ste. B, Sacramento, CA 95825 show on map
permanently closed
4.90
150 reviews
Cashmax
2160 El Camino Ave #B,, Sacramento, CA 95821 show on map
tel: 916-649-1755
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–6PM
Sunday: Closed
4.80
96 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
4.80
81 review
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
4.70
61 review
Check into Cash
1589 West El Camino Avenue, Ste 109, Sacramento, CA 95833 show on map
permanently closed
4.60
64 reviews
Ace Cash Express
4341 Elkhorn Blvd, Sacramento, CA 95842 show on map
tel: 916-348-2990
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.60
45 reviews
Check into Cash
6286 Mack Road, Sacramento, CA 95823 show on map
permanently closed
4.60
33 reviews
USA Cash Services
9669 Folsom Blvd, Sacramento, CA 95827 show on map
tel: 916-363-5900
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.50
108 reviews
Money Mart
5044 Madison Avenue, Sacramento, CA 95841 show on map
tel: 916-334-9110
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.40
37 reviews
Money Mart
4709 Florin Road, #1A, Sacramento, CA 95823 show on map
tel: 916-393-2274
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 10AM–4PM
Sunday: Closed
4.30
28 reviews
Money Mart
1511 Del Paso Boulevard, Sacramento, CA 95815 show on map
tel: 916-921-2274
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: Closed
Sunday: Closed
4.30
12 reviews
USA Cash Services
1350 Fulton Blvd., Sacramento, CA 95825 show on map
tel: 916-971-3500
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.20
99 reviews
Money Mart
2001 Broadway, Sacramento, CA 95818 show on map
tel: 916-456-2274
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.20
80 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
4.20
63 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
4.10
39 reviews
Money Mart
6510 Florin Road, Sacramento, CA 95828 show on map
tel: 916-391-4900
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.10
34 reviews
Money Mart
5400 Stockton Boulevard, Sacramento, CA 95820 show on map
permanently closed
4.00
11 review
California Check Cashing Stores
2126 El Camino Ave, Sacramento, CA 95821 show on map
tel: 916-641-2274
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
3.95
71 review
Check into Cash
3633 Bradshaw Rd, Suite F, Sacramento, CA 95827 show on map
permanently closed
3.85
37 reviews
Check into Cash
2527 Alta Arden Expressway, Sacramento, CA 95825 show on map
permanently closed
3.70
19 reviews
California Check Cashing Stores
2800 Broadway, Ste 3, Sacramento, CA 95817 show on map
tel: 916-731-7296
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–3PM
Sunday: Closed
3.60
162 reviews
Money Mart
2202 El Camino Avenue, Sacramento, CA 95821 show on map
tel: 916-646-9413
Hours:
Monday: 8AM–9PM
Tuesday: 8AM–9PM
Wednesday: 8AM–9PM
Thursday: 8AM–9PM
Friday: 8AM–10PM
Saturday: 8AM–7PM
Sunday: 10AM–5PM
3.55
18 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
109 reviews
Check into Cash
5442 Auburn Blvd, Sacramento, CA 95841 show on map
permanently closed
3.30
19 reviews
California Check Cashing Stores
1290 Fulton Ave, Sacramento, CA 95825 show on map
tel: 916-973-1570
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
3.30
16 reviews
California Check Cashing Stores
2399 Fruitridge Rd, Sacramento, CA 95822 show on map
tel: 916-454-6185
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 10AM–3PM
Sunday: Closed
3.25
106 reviews
Ace Cash Express
4110 Norwood Ave, Sacramento, CA 95838 show on map
tel: 916-567-1143
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
3.20
31 review
California Check Cashing Stores
2433 Northgate Blvd., Sacramento, CA 95833 show on map
tel: 916-646-6776
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–4PM
Sunday: Closed
3.20
24 reviews
California Check Cashing Stores
6154 Florin Road, Sacramento, CA 95823 show on map
tel: 916-422-2435
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–3PM
Sunday: 10AM–1PM
3.00
45 reviews
Cash 1
1600 W. El Camino Ave., Sacramento, CA 95833 show on map
tel: 916-643-2274
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–4PM
Sunday: Closed
3.00
34 reviews
Check into Cash
5200 Stockton Blvd, #130, Sacramento, CA 95820 show on map
permanently closed
2.90
27 reviews
Cash 1
3501 Watt Ave., Sacramento, CA 95821 show on map
permanently closed
2.80
29 reviews
Cash 1
5363 Auburn Blvd. STE A, Sacramento, CA 95841 show on map
tel: 916-265-2884
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
2.75
95 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
2.60
11 review
California Check Cashing Stores
2815 Florin Rd, Sacramento, CA 95822 show on map
tel: 916-392-2435
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 10AM–3PM
Sunday: Closed
2.20
24 reviews
Cash 1
4550 Mack Rd., Sacramento, CA 95823 show on map
tel: 916-429-1971
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–3PM
Sunday: 10AM–1PM

56 CFPB Complaints in Sacramento

There were 56 CFPB complaints in Sacramento since Nov 2013.

Complaints over Years

Top 7 Companies

  • Community Choice Financial: 13
  • Check 'n Go: 12
  • Ace Cash Express: 9
  • Advance America: 8
  • Money Mart: 6
  • Speedy Cash: 6
  • Check into Cash: 2

Top 3 Complaints Issues

  • Communication tactics: 10
  • Cont'd attempts collect debt not owed: 5
  • False statements or representation: 5

Latest Reviews

Patrick W.
1 / 5 Jun 2, 2022
about Ace Cash Express's office
4110 Norwood Ave, Sacramento, CA 95838
Lovealways S
5 / 5 Jun 1, 2022
about Ace Cash Express's office
6640 Valley Hi Drive, Sacramento, CA 95823
Matthew Boyle
5 / 5 May 28, 2022
about Ace Cash Express's office
5227 Elkhorn Blvd, Sacramento, CA 95842
Jennifer Smith
5 / 5 May 27, 2022
about Ace Cash Express's office
6640 Valley Hi Drive, Sacramento, CA 95823
Deonta J.
5 / 5 Dec 17, 2021
about Ace Cash Express's office
4110 Norwood Ave, Sacramento, CA 95838
Kevin H.
1 / 5 Oct 21, 2021
about Ace Cash Express's office
6640 Valley Hi Drive, Sacramento, CA 95823

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
California Flag
Sacramento, CA
Payday Loans are legal* in California.
Store
36 Local Stores
Company
8 Companies
Review
1979 Reviews
Online
YES Online Loans