Payday Loans and Cash Advance in South Sacramento, Sacramento
Legal, capped at $300 and a 15% fee in California. What a short month looks like in South Sacramento, the rules that apply, free help close by, and how to request a cash advance online from anywhere in Sacramento.
In city terms, South Sacramento means Meadowview, Valley Hi and the Florin Road corridor at the south end of the city. Homes are a mix of owned houses and rentals, and several parks host adult soccer leagues, with food vendors working the sidelines. The Blue Line runs the length of it, from Florin station down to Cosumnes River College, and Meadowview station is one of the busiest in the SacRT system.
A $500 gap here is usually rent, a SMUD bill after a run of 100-degree days, or a transmission. A California payday loan will cover $255 of it at most, for a $45 fee, with the full $300 due in 31 days or less. The free help listed below is worth a call first.
South Sacramento at a Glance
Inside city limits, South Sacramento takes in Meadowview, which runs south from Florin Road toward Delta Shores with the Blue Line along one side, and Valley Hi and North Laguna to the southeast around Cosumnes River College. Florin Road, Meadowview Road, Mack Road and Franklin Boulevard are the main corridors.
- ZIP codes: 95822, 95823, 95832
- Main corridors: Florin Road, Meadowview Road, Mack Road, Franklin Boulevard
- Transit: SacRT's Blue Line stops at Florin, Meadowview, Morrison Creek, Franklin, Center Parkway and Cosumnes River College stations, bus route 56 runs Meadowview Road and Mack Road, route 81 runs Florin Road, and route 68 reaches Kaiser South Sacramento and Methodist Hospital of Sacramento.
- City page: Sacramento cash advance rules, Census figures and ordinance
South Sacramento on the Map
How a Request Works from South Sacramento
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 South Sacramento
Valley Hi-North Laguna Library, 7400 Imagination Parkway, has free Wi-Fi, public computers, a printer, scanner and fax, plus study rooms. That is enough to print bills and pay stubs for an assistance application. From Meadowview or Florin Road, the Sacramento rent, SMUD and HEAP lines on this page work the same way.
- 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
Where can I get a cash advance in South Sacramento?
Online, from anywhere in South Sacramento. Whether a lender works online or from a storefront in Sacramento, it needs a California DFPI license, so check the license number first. A licensed lender cannot take a check over $300 or charge a fee over $45, which leaves $255 in cash.
What is the APR on a $300 payday loan in South Sacramento?
About 460 percent on a 14-day loan. California caps the fee at 15 percent of a $300 check, so a South Sacramento borrower pays $45 to get $255, and that $45 over two weeks works out to an annual rate near 460 percent. A shorter term raises the APR further.
Can I get a second payday loan while one is open in South Sacramento?
No. A licensed lender cannot give anyone in South Sacramento a new payday loan while one is still open, and California bars paying one loan with another. If rent or a SMUD bill is the real problem, SETA Community Services in Sacramento can sometimes pay it directly.
