Payday Loans and Cash Advance in Northeast Bakersfield, Bakersfield
Legal, capped at $300 and a 15% fee in California. What a short month looks like in Northeast Bakersfield, the rules that apply, free help close by, and how to request a cash advance online from anywhere in Bakersfield.
Northeast Bakersfield is the only part of the city built on rolling hills, and it wraps around East Bakersfield on the north and east. Bakersfield College has been on Panorama Drive since 1956, with the College Heights neighborhood between Union Avenue, Panorama Drive and Columbus Street. Farther out are Rio Bravo, the Rio Bravo Country Club and Kern River County Park, which takes in Hart Park, the California Living Museum and Lake Ming. Much of the region is still rural.
Building here started in the 1950s and picked up again in the late 1990s, so the houses span several decades. When a $500 bill shows up before payday, a California payday loan covers $255 of it at most, for a $45 fee, due within 31 days.
Northeast Bakersfield at a Glance
Northeast Bakersfield is roughly bounded by Panorama Drive and the Kern River on the north, Alfred Harrell Highway and Comanche Drive on the east, Edison Highway on the south and Union Avenue on the west, leaving out East Bakersfield, which it wraps around. Niles Street, Mount Vernon Avenue, Columbus Street and Highway 178 carry the bus lines.
- ZIP codes: 93306, 93305
- Main corridors: Niles Street, Mount Vernon Avenue, Columbus Street, Panorama Drive, Highway 178
- Transit: Golden Empire Transit (GET) Routes 21, 41, 43, 44, 61 and 81 meet at the Bakersfield College transit center on Panorama Drive, Route 41 runs out past Highland High, and Routes 45 and 46 end at Foothill High.
- City page: Bakersfield cash advance rules, Census figures and ordinance
Northeast Bakersfield on the Map
How a Request Works from Northeast Bakersfield
There is no branch to visit. The form on this page goes to lenders licensed for California, takes about five minutes, and places no hard inquiry on your credit report. Any offer shows the amount, fee, APR and due date before you sign; funds usually arrive the next business day.
What It Costs Under California Law
| Rule | CA |
|---|---|
| Maximum amount | $300 face value of the check, including the fee (Fin. Code 23035), so $255 in cash at the maximum fee |
| Maximum fee per $100 | 15% of the face amount of the check, $15 per $100 (Fin. Code 23036); returned check fee capped at $15 |
| Maximum term | 31 days (Fin. Code 23035) |
| $255 for 14 days | $45 fee, 460% APR |
The full law, the regulator's phone number and the statute citations are on the California page.
Free Help Near Northeast Bakersfield
Valley Strong Credit Union's Mount Vernon Branch is at 3901 Mount Vernon Avenue, across from Memorial Stadium at Bakersfield College. If you bank there, ask what a small loan would cost before you take a payday loan. For rent, food or utility help, start with 2-1-1 and the other Bakersfield help lines on this page.
- 2-1-1 Kern County: Free 24-hour referral line operated by Community Action Partnership of Kern for rent, utility, food and housing help; toll-free 800-273-2275. Call 211 or visit capk.org/211kerncounty.
- CAPK Energy Program (HEAP): LIHEAP utility bill assistance and free weatherization for Kern County households; intake through 2-1-1 or the main office at 300 19th Street, Bakersfield. Call 211 or visit capk.org/energy.
- Community Action Partnership of Kern: Kern County's Community Action Agency: food bank, WIC, Head Start, family resource centers, free VITA tax preparation and housing navigation. Call (661) 336-5236 or visit capk.org.
- California Department of Community Services and Development: Statewide energy bill assistance line that points you to the LIHEAP provider for your address. Call (866) 675-6623 or visit csd.ca.gov/energybills.
- National Foundation for Credit Counseling: Locator line for nonprofit credit counseling agencies that offer free budget reviews and debt management plans. Call 877-360-6322 or visit nfcc.org.
Frequently Asked Questions
How long can a payday loan run in Northeast Bakersfield?
No more than 31 days. California's Deferred Deposit Transaction Law sets that ceiling for every licensed lender serving Northeast Bakersfield, online or storefront, and there is no minimum. Because the fee is a flat 15 percent, a shorter loan costs the same $45 on a $300 check but carries a higher APR.
How do I check that a lender serving Northeast Bakersfield is licensed?
Search the lender's name on the DFPI website or call 866-275-2677. Every payday lender working in Northeast Bakersfield, or anywhere in Bakersfield, needs a California deferred deposit license. A company quoting a fee above 15 percent, a check above $300 or a term past 31 days is not following California law.
What happens if my payday loan check bounces in Northeast Bakersfield?
The lender can charge one returned check fee of up to $15. California law also bars any threat of criminal prosecution over the bounced check, and the agreement must say so. If you see it coming in Northeast Bakersfield, ask for a payment plan before the due date; the lender cannot charge for one.
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