Payday Loans and Cash Advance in Southeast Fresno, Fresno
Legal, capped at $300 and a 15% fee in California. What a short month looks like in Southeast Fresno, the rules that apply, free help close by, and how to request a cash advance online from anywhere in Fresno.
Southeast Fresno is the east side below Highway 180, roughly the Roosevelt and Sunnyside neighborhoods and the long run of Kings Canyon Road between them. Mexican, Central American and Oaxacan families live here alongside Hmong and other Southeast Asian households whose roots go back to the refugee years after the Vietnam War. Spanish, Hmong, Punjabi and English all get spoken in the same stores, and multigenerational homes are common. The Hmong International New Year fills the Fresno Fairgrounds here.
If your household runs on one steady check and one seasonal one, the slow weeks are when a car repair or a summer PG&E bill lands. Before you borrow, compare the $45 fee on a $300 check with what the county office on Kings Canyon can do.
Southeast Fresno at a Glance
Southeast Fresno runs south of Highway 180 from the Roosevelt neighborhood, around Roosevelt High on Tulare Avenue, east to Sunnyside, where Sunnyside High sits at Peach Avenue and Kings Canyon Road. Kings Canyon Road holds most of the shopping centers. Part of Sunnyside is unincorporated, so some addresses fall under Fresno County, not the city.
- ZIP codes: 93702, 93727, 93725
- Main corridors: Kings Canyon Road, Chestnut Avenue, Butler Avenue, Tulare Avenue
- Transit: The Q (FAX Route 1) runs the length of Kings Canyon Road with stations at Cedar, Maple, Chestnut, Willow, Peach and Clovis, Route 22 runs along Tulare, Route 26 along Butler past the Mosqueda Center, Route 29 along Church and Route 41 along Chestnut.
- City page: Fresno cash advance rules, Census figures and ordinance
Southeast Fresno on the Map
How a Request Works from Southeast Fresno
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, and Fresno's local ordinance is explained on the Fresno page.
Free Help Near Southeast Fresno
Fresno County's Sunnyside Regional Center, at 5693 E. Kings Canyon Road, takes CalFresh, CalWORKs, General Relief and Medi-Cal applications. The Sunnyside Regional Library at 5566 E. Kings Canyon Road has computers and printing, and The Fresno Center, a community nonprofit at 4879 E. Kings Canyon Road, runs economic empowerment programs.
- 2-1-1 Fresno County: Free referral helpline run by United Way Fresno and Madera Counties for rent, utility, food and health resources; toll-free 866-559-4211. Call 211 or visit uwfm.org.
- Fresno EOC Energy Services: LIHEAP bill assistance, the Energy Crisis Intervention Program for shutoff notices, and free weatherization for Fresno County households; apply at caliheapapply.com. Call (559) 263-1320 or visit fresnoeoc.org/energy.
- Fresno Economic Opportunities Commission: Fresno County's Community Action Agency: food distributions, WIC, Head Start, health centers, job training and homeless services. Call (559) 263-1000 or visit fresnoeoc.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
Does Fresno's payday store ordinance cover Sunnyside?
Only inside city limits. Fresno's rule requiring a conditional use permit and a quarter-mile gap between check cashing and payday stores applies to city land, and part of Sunnyside is unincorporated county. Either way, California's $300 check limit, 15 percent fee cap and 31-day term apply in Southeast Fresno.
How much can I borrow on a payday loan in Southeast Fresno?
A check of up to $300, which leaves $255 in your hand after the 15 percent fee. That is the California limit for every licensed lender in Fresno, online or in a store. The term is 31 days at most, and the lender cannot roll the loan into a new one.
My hours got cut this month. What should I try before a payday loan?
Start at the county's Sunnyside Regional Center on Kings Canyon Road for CalFresh or General Relief, and call the utility lines on this page about a PG&E bill. In Southeast Fresno, as across the city, a $300 payday check costs $45 and gives you 31 days at most.
Other Fresno Neighborhoods
Central Fresno Downtown Fresno Tower District West Fresno All of Fresno
