Payday loans in Sacramento 

A payday loan is a short-term loan where a lender will extend high-interest credit based on how much you earn. It can help you cover your unexpected expenses or immediate needs. This guide will provide details of the top payday loans in Sacramento, CA.
Payday loans in Sacramento 
Payday loans in Sacramento 
Getting a personal loan can be challenging, even when you are working for a top employer. Banks can turn you down if you need good credit. To avoid such barriers, you may consider a payday loan in Sacramento. Here's everything you need to know about payday loans in Sacramento.
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If you’re in Sacramento, California, seeking personal loans can be a challenge, even when you are working for a top employer. Banks can turn you down if you need good credit. There can also be a waiting period while your application is processed for a personal loan. To avoid these barriers, you may consider payday loans in Sacramento.

A payday loan is a short-term loan where a lender will extend high-interest credit based on how much you earn, which can help you cover your unexpected expenses or immediate needs. This can be your savior and hardly takes any effort. Nevertheless, it is a high-risk loan that can be costly if not managed properly. Also, note that you can borrow up to $300 under California law.

The maximum fee a lender can charge is 15 percent of the check amount. So, for a two-week loan with a 15 percent fee, the APR is 460 percent. APR, the annual percentage rate, is one of the most important factors when you borrow a payday loan. The APR includes not only the interest rate but also any additional fees. So, if you have a lower APR, it will be a less expensive loan. But continually evaluate other factors as well.

Nonetheless, payday loans in Sacramento can only be obtained by US citizens and permanent residents. The age criteria is 18 years old or above. Apart from that, you need to provide proof of identity, address, and proof of steady income.

Top 15 Best payday loans in Sacramento

We have compiled a list of the top 15 lenders of payday loans in Sacramento. Let’s dive in to find a lender that suits your needs and how you can apply for the best payday loans.


trybeemapp logo

Beem, an all-purpose personal finance app formerly known as Line, has the best feature for you in the form of Everdraft. It offers $20 to $1,000 instant cash to borrowers, a significantly higher value compared to other lenders, in case of a financial emergency. This feature of the AI-powered platform is available on the Plus and Pro plans.

If you have the subscription, click on ‘Check Now’ in Everdraft on the Beem homepage, and you can check out the amount you are eligible for. Unlike other lenders, it has no additional fees, interests, or due dates. When you have cash in your bank account, your borrowed amount is automatically deducted.

Silver Cloud Financial

silver cloud financial

This is a tribal lender that started to provide economic stability to the Habematolel Pomo nation. This company’s loan also ranges from $300 to $1,000. They have quick approval, and the duration to return the loan is quite flexible. You need to apply online. They process the loan within 24 hours on business days. Its APR can go over 700 percent. However, Silver Cloud is no longer issuing new loans. Its affiliate, Uprova, can provide you access to funds.

Speedy Cash

Speedy Cash

Founded in 1997, this lender has an A+ rating from the Better Business Bureau. It is also a member of the Online Lenders Alliance (OLA), which makes it a legitimate lender. Here, a payday loan ranges from $255 to $2,500. The borrower can apply online or over the phone by calling a local store. Additionally, you’ll need your pay stub and a driver’s license or other government-issued photo ID to apply in-store.

The loan amount gets deposited into your account within one to two business days. You also have the option to pick up cash at a store. But note that the interest rate this lender charges is comparatively higher, and they may require an origination fee as well.

Also Read: Can I Get A Payday Loan From Another State

Advance America Cash Advance

Advance America Cash Advance

This is a good option if you prefer in-person transactions. Advance America Cash Advance offers both online and in-store payday loans. All you have to do is go to one of their branches and connect directly with a loan officer. You must provide a valid email, an active checking account, and proof of income. One of the significant conveniences here is same-day payday loan fund availability.

If you fill out an application at the store, you can leave with cash. But if you go for an online option, you get the funds on the same day if the loan gets approved by 7:30 am PST on a weekday. Payday loans range from $100 to $1,100. A disadvantage of Advance America is that interest rates may be higher depending on your credit history.

ACE Cash Express

ACE Cash Express

This provider, with an A+ rating from the Better Business Bureau, provides online and in-store payday loan services. Cash can be received in-store or sent overnight to your checking account. As part of it, applicants of payday loans have a 72-hour window in which they can return the funds without incurring any fees. However, after that window, the fees and interest rates may get higher than other lenders.

Money Mart

money mart

Here, payday loans are provided based on your financial situation. Borrowers can apply for loans online through its website. You can also apply in person at one of their physical stores. However, they may ask borrowers to authorize automatic withdrawals from their bank accounts to repay the loan.

Make sure you have enough funds available to cover the repayment on time. You need to submit your pay stub, which is 30 days old, a blank or pre-authorized debit form, and a color copy of a valid government-issued ID. The payday loans range from $120 to $1,500.



Founded in 1999, they have a friendly customer support system, and their loan-processing time takes one day. Apply over the phone or online. Submit the required documents by 2 pm PT, and you can get the cash the same day. They have relatively high interest rates, from 60 percent to 222 percent. Auto title loans are among the types of loans it offers. Title loans are loans in which you provide your vehicle title to the lender as security so he gets his money back.

CashMax Sacramento


This lender lends from $50 to $225. To access these funds, you need to provide an email address, an active checking account, and a steady source of income. No credit check is required. In addition, if you refer another customer successfully, you’ll also get $15 cash.

RPM Lenders

RPM Lenders

The payday loans range from $100 to $255. You can receive a loan within the same business day or as little as 30 minutes after you submit documents like a state-issued ID, a blank check from an active checking account, and a recent pay stub. They don’t consider credit history.

Check Into Cash

Check Into Cash

The company was founded in 1993 and is one of the largest payday loan companies in the country. With an easy application process, the lender offers payday loans up to $1,000. Within one business day, consumers can receive their funds. You can also pre-qualify online and see how much you qualify for based on your eligibility and ability to repay.

USA Cash Services

USA Cash Services

Their first store opened in 1995. The lender provides in-store and online payday loans. They have multiple locations in Sacramento. It also offers a website calculator for loan fees and APRs. It is suitable for users with a poor credit score. The payday loans range from $50 to $255.



This is one of the best options for no credit. It accepts applicants without a credit history, and most receive the money on the same day. They lend between $50 and $500. The term lengths start at 12 months, so you’ll have plenty of time to repay your loan. This lender also doesn’t charge early payment penalty fees, so that you can pay off your balance quickly. Origination fees and loan terms may vary by applicant and state. 



CashMax is licensed by the Department of Financial Protection and Innovation and is relegated by California Deferred Deposit Transaction Law. Hence, as a borrower, you can be assured of receiving a loan from a licensed company. They offer an online as well as an offline option. They follow the same procedure of taking details like an email address, proof of a steady source of income, and an active bank account. Here, you receive funds by the next business day if the loan application is approved by 4 pm PST.

Cash 1

cash 1

The payday loans range from $100 to $1000. You may receive the amount within one working day. A withdrawal is automatically made from your bank account on the due date of the repayment. They have more than 100 licensed, direct lenders to provide funds. 

Cash & Go

cash n go

You can apply online from anywhere through a hassle-free process. It supplies payday and installment loans in 17 states that are typically available the next business day. Max payday loan amounts vary by state and range from $50-$1,500.

Also, know about: High Interest saving accounts in California

Payday loans in Sacramento 


There is no denying payday loans can be a lifesaver when a financial emergency strikes. The whole process of getting the loan is straightforward. Obtaining this in Sacramento is legal but comes with limitations. So, do your research before signing any deal with a lender.

Ensure you can return the debt on time before signing the agreement. Otherwise, it is easy to get trapped in debt. So, borrow responsibly. You can also check out Beem Everdraft™ to get $20 – $1,000 instant cash for emergencies without any income restrictions, due dates, interest, or credit checks.


How Can I Get Payday Loans in Sacramento, CA, With No Credit Check?

There are different types of payday loans, and one of them is no credit check payday loans. These are granted without a credit check. You need to find a lender and fill out an application while providing personal information, a contact number, a Social Security number, an active checking account, and proof of income.

For no-credit-check lenders, it’s not your credit score that matters but your income. After the lender approves the application, they will share the agreement with the loan amount, fees, interest rate, and repayment. In case you agree, the lender will deposit the loan amount into your checking account.

Am I qualified for Payday Loans in Sacramento, CA, with Bad Credit?

Yes, lenders in Sacramento offer loans to individuals with bad credit. They check if you can repay the loan and don’t focus on your bad credit history.

What’s the Procedure for Getting Payday Loans in Sacramento, CA?

It’s the same procedure as a no-credit-check payday loan. First, fill out the loan application form with personal details and share your active checking account details. Submit the application. If approved, a payday lender will contact you and share a loan agreement.

Sign it if you agree to the agreement. Get the amount to your account on the same or the next business day. After obtaining the loan, repay the lender within 31 days with an interest rate.

Can I Get Payday Loans in Sacramento, CA, When Being Unemployed?

Yes. However, getting a payday loan when you are not employed is difficult since borrowers need to have a regular source of income. So, if you are unemployed, you can state your income source as disability payments, if any, government benefits, or a pension. Also, if you have just started a new job or are about to, you can state that to improve your chances.

What is the Process to Obtain Title Loans In Sacramento, CA?

Title loans are also short-term loans. But here, borrowers use their vehicle as collateral. This means when you take this loan, you give the lender temporary vehicle ownership. Also, the fund you borrow depends on the equity of your vehicle.

The loan process is straightforward. The application can be submitted in person or online. Fill out the application with proof of income and vehicle ownership. Once that gets approved, you get the funds you need.

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This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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