The 6 Best Payday Loan Lenders in Sacramento, California

The 6 Best Payday Loan Lenders in Sacramento, California
Author : Chris Morgan
Updated on : August 14th, 2022

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Known as River City and the City of Trees due to the numerous trees and riverbanks located throughout the city, Sacramento, California is an interesting place to visit for those who want to experience a bit of the old and new. Sacramento has an interesting history as a renowned West Coast shipping center where cargo ships were loaded and unloaded.

However, many in Sacramento are concerned about unloading high amounts of debt. According to the latest Household Credit and Debt Report supplied by the Federal Reserve, the average California resident is holding roughly $5,000 in credit card debt. 

Access to credit makes it easy to get what is needed, but the downside is that there's usually a cost that shows up in interest and fees. Instead of taking out additional credit, payday loans are a viable option.

The following are 7 of the best payday loan lenders in Sacramento, California. To assist with a better understanding of payday loans, we've included some answers to frequently asked questions for your reference.


How Can You Get a Payday Loan in Sacramento, California?

Getting a payday loan in Sacramento is not difficult as long as you meet specific requirements. The California Department of Business Oversight details specific conditions under which payday loans are offered. They include: 

  • Payday lenders can only make out one payday loan to each borrower, and the value of the loan cannot exceed $300.
  • Payday loan applicants must be able to prove their ability to repay the loan. This requires providing qualifying information to a specified payday lender which includes proof of income, bank account information, and verifiable identification.
  • Rollovers for payday loans are not allowed. 

The California Department of Business Oversight highly recommends that individuals interested in payday loans only borrow as much as they can afford to pay back.


The 7 Best Payday Loan Lenders in Sacramento, California

Here are the 7 best payday loan lenders in Sacramento. If you are interested in obtaining a payday loan in Sacramento, it is important to note that these companies do not offer guaranteed payday loans as approvals for payday loans are determined by meeting specific income and bank account qualifications.

LendYou Logo

We highly suggest our number one provider for payday loans, LendYou. Since 2005, this company has prided itself on the motto of helping people to get the loans they need when they need them. They have created a platform to provide a seamless online loan broker experience. This company provides both installment and payday loan options for individuals in Sacramento and throughout the United States.

Because LendYou is an online loan broker, they offer a unique service where you'll be able to get access to numerous payday loan lenders. LendYou is a one-stop shop that allows you to compare payday loan lenders and choose the one that is best for you.

The reasons why we think that Lindsey is the best choice for payday loans include:

  • High-quality customer service
  • Quick approvals on payday loans
  • No credit is needed for payday loan consideration
  • Rate and service transparency
  • Access flexible rates and loan amounts

Take a look at our LendYou Complete Review for more information about their payday loan services.

Max Cash Title Loans Logo

Max Cash Is the second best choice for an online payday loan broker. Similar to LendYou, they provide a platform where you can select from several different payday loan lenders. They've been in business for over a decade and have helped more than two million people access the loan funds needed.

What's best about Max Cash is that they have an easy-to-use platform that makes it easy for everyone to obtain a payday loan.

Max Cash comes recommended for payday loans because: 

  • Exceptional customer service
  • Access to multiple lenders
  • Availability of financial education through their informative financial articles.

Find out more about Payday Loan services provided by Max Cash by reading our detailed Max Cash Payday Loans Full Review & Guide.

In business since 1995, USA Cash Services offers a variety of financial services in several states.  As a direct lender, USA Cash Services prides itself on protecting its customer’s private information. USA Cash Services is licensed in each state in which they do business to ensure that their customers are dealing with a reputable company that follows local and state payday regulations and laws.

Payday loan applications can easily be completed online or at one of the brick-and-mortar locations. Upon meeting the payday loan requirements, USA Cash services will send funds to the payday loan applicant's checking account usually by the next business day.

Contact Information:

  • Address: 1350 Fulton Ave, Sacramento, CA 95825
  • Phone: (916) 971-3500
Cash Max Loans Logo

CashMax is a provider of financial services in California and throughout the United States. They are licensed by the Department of Financial Protection and Innovation, and they are relegated by California Deferred Deposit Transaction Law. This ensures that individuals who receive payday loans are receiving loan services from a licensed company. 

Getting a payday loan with CashMax involves an easy application that can be completed online or at a brick-and-mortar location. The application only takes a couple of minutes, and payday loan applicants are required to provide an email address, proof of steady source of income, and an active checking account. All payday loan applications approved by 4 P.M. PST can receive a direct deposit of funds by the next business day.

Contact Information:

  • Address: 2160 El Camino Ave B, Sacramento, CA 95821
  • Phone: (916) 649-1755
Advance America Cash Advance Logo

Advance America Is a nationwide provider of financial service products including payday and installment loans. They offer both online and in-store payday loan applications for those who have a valid email, an active checking account, and proof of income. Advance America Cash Advance has certified loan specialists to assist with the payday loan process.

Getting a payday loan at Advance America is recommended as they offer payday loan approvals in minutes. One of the major conveniences of getting a payday loan through Advance America is same-day payday loan fund availability. Individuals who complete a payday loan application at a brick-and-mortar store can leave with cash in hand. Those who are approved for an online payday loan may be able to receive funds on the same day if the loan approval occurs by 10:30 A.M. EST on a weekday.

Contact Information:

  • Address: 4573 Mack Rd, Sacramento, CA 95823
  • Phone: (916) 395-6375
California Check Cashing Stores Logo

California Check Cashing Stores offers short-term cash solutions with over 500 locations nationwide. Some of their financial retail products include payday loans and advances, money orders, check cashing, and bill payment services. Payday loan applications can be completed online or at a local store. Payday loan applicants can expedite the application process by having qualifying information such as a valid ID, proof of income, and checking account information readily available. 

Individuals interested in the online payday loan application will be directed to a partner company, Cash Central, which processes the online payday loan applications for California Check Cashing Stores.

Contact Information:

  • Address: 2800 Broadway Ste 3, Sacramento, CA 95817
  • Phone: (916) 731-7296
ACE Cash Express Logo

Ace Cash Express is a premier provider of financial services throughout the United States. They have over 50 years of financial services experience which includes providing in-store and online payday loan services for the convenience of its customers. With an A+ rating from the Better Business Bureau, customers will feel comfortable dealing with a reputable, longstanding payday loan provider. 

Some of the benefits of obtaining a payday loan through ACE Cash Express include instant availability of cash either in-store or overnight via a checking account. Ace Cash Express also offers a 72-hour window that allows payday loan applicants to return loan funds without incurring fees.

Contact Information:

  • Address: 6640 Valley Hi Dr. Ste A2, Sacramento, CA 95823
  • Phone: (916) 688-1002

How Do I Get a Payday Loan Approved?

Getting a payday loan approved is based on meeting specific qualifications. All payday loan lenders have specific stipulations and requirements in order to ensure that those who are interested in borrowing funds are capable of repayment. To increase the chance of a payday loan approval, have the following available:

  • Valid, current proof of income
  • Valid state-issued identification,
  • An active checking account with bank statements

When seeking a payday loan, the payday loan lender will review the provided information and determine whether or not an applicant is eligible for the payday loan. The amount offered for the payday loan is determined by the applicant's income. 

Typically, as long as these requirements are met, individuals are able to obtain a payday loan. However, there are circumstances where some individuals may not meet the payday loan requirements which can result in a denial of a payday loan.

To find out more about payday loans and the approval process, check out our post on payday loans online with instant approval or contact our number one recommendation: LendYou.


What Credit Score Do You Need for a Payday Loan in Sacramento?

One of the many benefits of obtaining a payday loan is that credit scores are not considered. It is one reason why payday loans are so attractive as a short-term financing option. Because payday loans are not subject to credit checks, payday loan lenders request qualifying information to determine loan eligibility. One of these qualifications is the possession of an active bank account. 


This is a requirement because payday loan lenders use the active checking account to provide direct deposit of the payday loan funds upon approval as well as to debit the bank account for the payday loan repayment.


If you're looking for a payday loan at this time but you think you may fall short in meeting the banking requirement, consider reading our post on the Best Checking Accounts For Bad Credit for more details on how you can get a checking account with bad credit.


Which Payday Lender is Best in Sacramento?

In your search for a payday loan, you'll discover that while there are numerous payday loan providers, not all of them are made equally. It is important to use payday loan providers that are licensed in California. You can easily verify the licensure of a payday loan lender via the California Department of Financial Protection and Innovation by visiting their website or calling 1-866-275-2677. This helps to ensure that you are dealing with a payday loan lender that adheres to specific payday loan regulations aimed at protecting consumers from predatory payday loan practices.


Conclusion and Next Steps

Now that you know more about the availability of payday loans in Sacramento, you're in a better position to make an informed decision when choosing a payday loan company for short-term finance options. The above provided list of payday loan companies in Sacramento has been thoroughly researched for your safety and convenience.

You can get started with your payday loan search by visiting our highly recommended payday loan broker, LendYou. The combination of exclusive payday loan experience, their convenient, easy-to-use platform, and access to multiple payday lenders make them a preferred choice for payday loans. 


When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.


Learn more about Chris Morgan


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