Cash Advance Near 1401 21st Street, Sacramento
Legal, capped at $300 and a 15% fee in California. Our Sacramento address, the area around it, the rules that protect you, free help close by, and the five-minute online request.
FlashCashAdvance, Sacramento
1401 21st Street
Sacramento, CA 95811
Apply online from anywhere in Sacramento in about five minutes. Approved funds go straight to your bank account, usually by the next business day.
1401 21st Street is N21, a four-story office and retail building on the corner of 21st and N streets. The Midtown Association has the ground floor. Around it are more offices, a parking garage at 21st and Capitol Avenue, and the bars and restaurants of Lavender Heights three blocks north at K Street. Midtown is mixed in income as well as race, and a lot of the people who live here work those bars, restaurants and shops.
So a short month here tends to look like a slow run of shifts right before rent is due. From this block, or anywhere in Sacramento, the request takes about five minutes online, and a licensed lender that approves you pays straight into your bank account, usually by the next business day: up to $255 in cash, with $300 due back within 31 days.
Finding 1401 21st Street
N21 is a four-story office and retail building at 21st and N streets. A block north, at 21st and Capitol Avenue, are a parking garage and the nearest bus stop (route 62, northbound). The closest freeway exit is N Street (exit 7A) on the Capital City Freeway, eight blocks east; westbound drivers exit at P Street.
- Neighborhood: Midtown
- Nearby: Lavender Heights, around 20th and K streets, three blocks north; Sutter's Fort State Historic Park, five blocks east and two north; 23rd Street light rail station, at 23rd and R streets, four blocks south; California State Capitol, 11 blocks west at 10th Street
- Transit: SacRT route 62 (Freeport) stops northbound on 21st Street at Capitol Avenue and at P Street and runs south on 19th Street, routes 30 (J Street) and 38 (Tahoe Park) stop at L and 21st streets and at J and 22nd streets, and the Gold Line stops at 23rd Street station.
- City page: Sacramento cash advance rules, Census figures and ordinance
1401 21st Street on the Map
How to Apply Online from Sacramento
Use the Apply Online button or the form on this page. It 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 1401 21st Street
Ella K. McClatchy Library, 2112 22nd St., is the closest branch, about seven blocks south in the McClatchy family's former home. It has public computers, tablets and mobile printing, enough to read a loan agreement properly. 2-1-1 Sacramento takes rent and bill calls around the clock, and the other lines on this page work from here too.
- 2-1-1 Sacramento: Free 24-hour referral line run by Community Link Capital Region for rent, utility, food and shelter help in Sacramento County; also 916-498-1000 or 844-546-1464. Call 211 or visit 211sacramento.org/211.
- Community Resource Project (HEAP): Administers the Home Energy Assistance Program for Sacramento County households with SMUD, PG&E, propane or wood heating bills, plus free weatherization; utility assistance line. Call (916) 567-5200 or visit communityresourceproject.org.
- SETA Community Services (CSBG): Sacramento County's Community Services Block Grant program: case management, rental assistance, utility and food help through neighborhood agencies. Call (916) 263-3800 or visit seta.net/community-services.
- SMUD Energy Assistance Program Rate: Monthly discount on SMUD electric bills for income-qualified households; apply online or by phone. Call 1-888-742-7683 or visit smud.org/Rate-Information/Low-income-and-nonprofits.
- 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
Do I need to visit 1401 21st Street to apply for a cash advance?
No visit needed. Apply online from anywhere in Sacramento in about five minutes, and if a DFPI-licensed lender approves the request, the money goes straight to your bank account by transfer, usually the next business day. 1401 21st Street is our Sacramento business address, in the heart of Midtown.
How much can I get from a cash advance near 21st and N in Midtown?
No more than $255 in cash. California caps the check at $300 and the fee at 15 percent of it, which is $45, and the loan must be repaid within 31 days. A lender cannot roll it over, and you cannot have a second payday loan open at the same time.
Who licenses cash advance lenders serving Midtown Sacramento?
The California Department of Financial Protection and Innovation. Any payday lender that serves Midtown needs a DFPI license under the Deferred Deposit Transaction Law, whether it runs a storefront or works only online. Check the license on the DFPI site before you sign. Sacramento adds no local rules of its own.
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