Payday Loans and Cash Advance in Del Paso Heights, Sacramento
Legal, capped at $300 and a 15% fee in California. What a short month looks like in Del Paso Heights, the rules that apply, free help close by, and how to request a cash advance online from anywhere in Sacramento.
Del Paso Heights sits on part of the old Rancho Del Paso, the 1844 land grant where James Ben Ali Haggin later ran a thoroughbred farm that produced California's first Kentucky Derby winner. Now it is a north Sacramento neighborhood between I-80 and Arcade Creek. Grant Union High School is here, and the library on Grand Avenue opened in 1973 as the first building the city, county and redevelopment agency developed together. Buses run Grand Avenue, Marysville Boulevard and Rio Linda Boulevard.
A $500 gap here might be a car repair, a SMUD bill or a security deposit. A California payday loan will not cover it. The check is capped at $300 and the fee at $45, so you get $255 and owe $300 within 31 days.
Del Paso Heights at a Glance
Del Paso Heights is in north Sacramento, generally bounded by I-80 on the north, Arcade Creek on the south, Norwood Avenue on the west and Roseville Road on the east. Grand Avenue, Marysville Boulevard and Rio Linda Boulevard all carry SacRT buses through the neighborhood.
- ZIP codes: 95838
- Main corridors: Grand Avenue, Marysville Boulevard, Rio Linda Boulevard, Norwood Avenue
- Transit: SacRT route 15 (Del Paso Heights) runs Grand Avenue and Rio Linda Boulevard between the Watt/I-80 and Arden/Del Paso light rail stations, and route 86 (Grand) runs Marysville Boulevard, Grand Avenue and Norwood Avenue to Marconi/Arcade station and downtown.
- City page: Sacramento cash advance rules, Census figures and ordinance
Del Paso Heights on the Map
How a Request Works from Del Paso Heights
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 Del Paso Heights
Del Paso Heights Library, 920 Grand Ave., has free Wi-Fi, public computers, tablets, a copier, scanner and fax machine, so you can print and send the pay stubs and bills an assistance program asks for. For rent, SMUD or food help, the Sacramento lines listed on this page cover Del Paso Heights.
- 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 payday lenders in Del Paso Heights have to be licensed?
Yes. Every payday lender serving Del Paso Heights, online or in a Sacramento storefront, needs a license from the California Department of Financial Protection and Innovation. You can look up the license on the DFPI website. Any lender charging more than $45 on a $300 check is not following California law.
What if I cannot pay my payday loan back on time in Del Paso Heights?
Ask the lender early for an extension or payment plan; California lets a lender offer one but not charge for it. If the check bounces, the lender can add one $15 fee and cannot threaten anyone in Del Paso Heights with jail. Sacramento's SETA Community Services may help with the bill behind it.
Is a payday loan the cheapest option in Del Paso Heights?
Usually not. A $255 California payday loan costs $45 for two weeks, an annual rate above 400 percent. A federal credit union payday alternative loan, an employer payroll advance or a payment plan from the biller usually costs less, and Sacramento's 2-1-1 line can point Del Paso Heights residents to bill help.
