Payday Loans in Sacramento County, California
Sacramento County is home to roughly 1,428,111 residents across the 20 cities we serve. The statewide playbook applies at every counter here: borrow at most $300, pay at most 15% in fees, repay within 31 days.
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One form - offers from lenders licensed to serve California
Household income in Sacramento County is close to the state city average, so the cost math here mirrors California at large.
Cost snapshot for Sacramento County
| You borrow | Fee (14 days) | Total due (14d) | APR (14d) |
|---|---|---|---|
| $100 | $15 | $115 | 391% |
| $200 | $30 | $230 | 391% |
| $255 | $38.25 | $293.25 | 391% |
| $300 | $45 | $345 | 391% |
Cities in Sacramento County
Major cities
- Sacramento
- Elk Grove
- Arden-Arcade
- Citrus Heights
- Folsom
- Rancho Cordova
- Carmichael
- Florin
- Antelope
- North Highlands
- Orangevale
- Foothill Farms
- Fair Oaks
Smaller communities
Tribal loans in Sacramento County
Need more than the $300 state cap allows? Tribal installment lenders serve Sacramento County online — see the real biweekly math and the risks before signing:
- Tribal loans in Sacramento
- Tribal loans in Elk Grove
- Tribal loans in Arden-Arcade
- Tribal loans in Citrus Heights
- Tribal loans in Folsom
- Tribal loans in Rancho Cordova
- Tribal loans in Carmichael
- Tribal loans in Florin
- Tribal loans in Antelope
- Tribal loans in North Highlands
- Tribal loans in Orangevale
- Tribal loans in Foothill Farms
- Tribal loans in Fair Oaks
- Tribal loans in Vineyard
- Tribal loans in Galt
- Tribal loans in Rosemont
- Tribal loans in Parkway
- Tribal loans in Rio Linda
- Tribal loans in Lemon Hill
- Tribal loans in La Riviera
- How tribal loans work →
Nearby counties
Sacramento County FAQ
Are payday loans legal in Sacramento County?
Yes — Sacramento County follows California's Deferred Deposit Transaction Law (Cal. Fin. Code § 23000 et seq.), which legalizes payday lending statewide with a $300 cap and 15% maximum fee.
Who regulates payday lenders in Sacramento County?
The California Department of Financial Protection and Innovation (DFPI), regardless of county. Verify any lender at dfpi.ca.gov before signing.
Can I borrow more than $300 in Sacramento County?
Not as a payday loan. The $300 cap is uniform across California. Larger needs call for an installment loan — which uses a different (and separately regulated) statute.
Ready to compare offers in Sacramento County?
See what lenders in our network can offer you — checking rates won't affect your credit score. Statewide rules apply in Sacramento County: $300 max, 15% fee, no rollovers.
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