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Payday Loans in Sacramento, CA: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Sacramento through licensed lenders regulated by the California Department of Financial Protection and Innovation. State law sets a hard ceiling: you can borrow up to $300, and the most a lender can charge is 15% of that check, or $45. That puts the typical APR around 460%. With median rent at $1,674 and median household income at $80,674, many working families here face a gap when an unexpected bill hits before the next paycheck.
The math is straightforward but steep. Borrow $300 for 14 days and you'll owe $345 total. That works out to an APR of about 391% in this example. Rollovers are illegal in California, so you cannot extend the loan by paying just the fee. You can only have one active loan at a time, which keeps balances from stacking up, but also means you'll need to repay in full before borrowing again.
Sacramento County · Sacramento-Roseville-Folsom, CA metro area
Sacramento borrowers and California payday laws
- Max loan amount
- $300
- Min loan term
- 7 days
- Max loan term
- 31 days
- Finance charge cap
- 15% of check face value
- Max absolute fee
- $45
- Typical APR
- ~460%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 1 active loan
- Right to rescind
- Next business day
- Governing law
- California Deferred Deposit Transaction Law
- Regulator
- CA DFPI
Payday loan cost calculator for Sacramento
Move the sliders to see what a payday loan would cost under California rules and how it compares with local incomes.
California maximum: $300
California maximum: $15
Rollovers are not allowed in California.
- Fee
- $45
- Total to repay
- $345
- APR
- 391%
- Share of a two-week household paycheck in Sacramento
- 1.5%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loan stores in Sacramento, CA
Licensed storefront lenders in Sacramento with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the CA DFPI before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 4110 Norwood Ave Ste 400 Sacramento, CA 95838 | (916) 567-1143 | — | 4.9 |
| 5227 Elkhorn Blvd Sacramento, CA 95842 | (916) 331-0545 | — | 4.9 |
| 4341 Elkhorn Blvd Sacramento, CA 95842 | (916) 348-2990 | — | 4.8 |
| 6510 Florin Rd Sacramento, CA 95828 | (916) 964-7773 | — | 4.8 |
| 6640 Valley Hi Dr Ste A2 Sacramento, CA 95823 | (916) 688-1002 | — | 4.7 |
| 2202 El Camino Ave Sacramento, CA 95821 | (916) 646-9413 | — | 4.2 |
| 1510-C West El Camino Ave. Sacramento, CA 95833 | (916) 569-1508 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 4573 Mack Road Sacramento, CA 95823 | (916) 395-6375 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 8250 Calvine Rd Ste B Sacramento, CA 95828 | (916) 689-2657 | — | 4.7 |
| 3711 Truxel Rd #2 Sacramento, CA 95834 | (916) 244-8188 | — | 4.2 |
| 3541 N Freeway Blvd Ste 105 Sacramento, CA 95834 | (916) 419-2681 | — | 4.3 |
| 3336 Bradshaw Rd #160 Sacramento, CA 95827 | (916) 971-8800 | — | 4.1 |
| 4940 Stockton Blvd Sacramento, CA 95820 | (916) 226-9749 | — | 4.9 |
| 4215 Norwood Ave Ste 01B Sacramento, CA 95838 | (916) 226-9802 | — | 4.5 |
Sacramento at a glance
| Metric | Sacramento | California | United States |
|---|---|---|---|
| Population | 846,557 | 39.2M | 332.3M |
| Median household income | $80,674 | $102,369 | $85,275 |
| Median rent | $1,674/mo | $2,042/mo | $1,432/mo |
| Income spent on rent | 35.3% | 34.0% | 31.6% |
| Homeownership | 52.9% | 56.5% | 65.4% |
| Poverty rate | 15.6% | 12.0% | 12.6% |
| Unemployment rate | 6.7% | 6.5% | 5.3% |
| Without health insurance | 5.7% | 6.9% | 8.6% |
| Veterans | 5.1% | 4.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Sacramento
- Fee on a $300 loan
- $45
- Share of a two-week household paycheck
- 1.5%
- Hours of work at the local median wage
- 2.3 hours
- Rollovers
- Not allowed in California
Example based on the California maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loans in Sacramento: how to apply
Bills do not always arrive on schedule. If you are short on funds in Sacramento, we link you to state-licensed lenders you can trust.
Complete the online request from anywhere, get a fast reply, and, once approved, receive the loan in your bank account by the next business day.
Why Sacramento residents use us
- Fast 5-minute request An internet-based form that keeps you out of physical loan offices.
- Bad credit considered Decisions center on verifiable current income rather than only historical credit marks.
- Borrow up to $300 Contract provisions are bound by the stipulations of the California Deferred Deposit Transaction Law.
- Safe & confidential All private borrower and bank records are transmitted over a protected, encrypted link.
Notice for Sacramento residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by California law (California Deferred Deposit Transaction Law). Always review the contract terms carefully before signing.
Read more about borrowing in Sacramento
Who runs payday stores in Sacramento
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 6 | 43% | 4.7 |
| Advance America | 2 | 14% | — |
| Lendmark Financial Services | 2 | 14% | 4.5 |
| OneMain Financial | 2 | 14% | 4.2 |
| Oportun | 2 | 14% | 4.7 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Sacramento in context
- Population rank in California
- 4th
- of 213 California cities with 50,000+ residents
- Median household income rank
- 158th
- of 213 California cities with 50,000+ residents
- Households earning under $25,000
- 15.7%
- ▲ 3.0 pts vs CA
- Median home value
- $474,156
- ▼ 40% vs CA
- Home value to income
- 5.9×
- A $400 emergency expense
- 1.8 days
- of median household income
Sacramento at a glance: budgets and payday costs
Sacramento has about 846,557 residents in Sacramento County, the No. 4 city in California by population. Census estimates put the typical Sacramento household at $80,674 a year, 21% below the California median of $102,369 and below the national median.
Homes in Sacramento have a median value of $474,156 (40% below the California median). That is about 5.9 times the median household income. Individual earners take home a median of $41,394 a year. Sacramento is part of the Sacramento-Roseville-Folsom, CA metro area.
Median rent in Sacramento is $1,674 a month versus $2,042 statewide. At 35.3% of income going to rent, many renters have little room for a surprise bill. The poverty rate is 15.6% (above California's 12.0%). 15.7% of households bring in less than $25,000. Unemployment stands near 6.7% (statewide: 6.5%). About 52.9% of homes are owner-occupied, so 47.1% of households rent.
A $300 payday loan with a $45 fee would take 1.5% of a typical two-week paycheck in Sacramento, or about 2 hours of work at the local median wage. Nearby Stockton has a median rent of $1,559, $115 less than Sacramento. In Concord, the median household income is $109,254 (35% more than here). Our directories list 14 licensed loan storefronts, most of them ACE Cash Express, 5 credit unions, 101 bank branches and 15 pawn shops in Sacramento.
How Sacramento compares with its neighbors
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Sacramento | 846,557 | $80,674 | $1,674 | 15.6% |
| Davis | 78,870 | $87,666 | $2,023 | 27.0% |
| Stockton | 388,283 | $78,513 | $1,559 | 15.8% |
| Concord | 125,546 | $109,254 | $2,280 | 8.8% |
| Santa Rosa | 210,635 | $97,377 | $2,064 | 9.6% |
Source: U.S. Census Bureau American Community Survey estimates.
Sacramento payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Sacramento borrowers
What is the typical household income in Sacramento?
Census estimates show a median household income of $80,674 and a median rent of $1,674 a month in Sacramento.
Where can I borrow locally in Sacramento?
Our directories list 14 licensed loan storefronts and 5 credit unions in Sacramento, California. Credit unions usually charge far less than storefront lenders for small loans.
Is Sacramento an expensive place to rent?
Renters in Sacramento spend about 35.3% of their income on housing, against a 30% affordability benchmark, and 15.6% of residents live below the poverty line (statewide: 12.0%).
What loan amounts are available to borrowers in Sacramento?
Loan amounts in Sacramento are typically from $100 up to $300, in line with California lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
How fast can I get the cash after approval in Sacramento?
Most people get an answer quickly. After signing online, the cash is usually dispatched the same day or next business day, subject to your bank's hours.