Sacramento, CA Cash Advance Loans

VIEW OUR ONLINE LISTING OF Sacramento, CA CASH ADVANCE AND DIRECT PAYDAY LOAN LENDERS

Advantages of Taking Out a Payday Loan in Sacramento

Payday loans provide substantial real-world benefits for families who struggle living paycheck-to-paycheck, an increasingly common situation given the amount of consumer and credit card debt in the United States. Sacramento residents, fortunately, have a reliable resource for covering unexpected or emergency expenses: payday loans.

When people struggle with finances, loans are popular options. However, traditional loans take days or weeks to process, and many people need cash right away to pay bills, handle emergencies, and provide essential services to their families. That is why short-duration loans remain popular, despite political criticism for their high APRs. APR stands for annual percentage rate when talking about interest; however, short-term loans seldom generate interest for more than 2 weeks.

Payday loans are a solution for people who need cash for many reasons. The funds help to cover expenses until the next payday, when they can begin to make their payments again. Consumers are willing to pay higher interest for the speed, simplicity, and convenience of a cash advance in Sacramento, CA.

The Real-world Benefits of Payday Loans

Payday loans offer real-world benefits that Sacramento families appreciate. One of the most important advantages is that short-term loans foster financial independence. The real-world benefits of short-term loans include:

  • Easier to apply and qualify for than traditional loans
  • Faster approvals and disbursements of the loan funds
  • Greater flexibility as there is no long-term commitment
  • Privacy and security of payday loan applications
  • Increased regulations by states to prevent debt traps
  • Greater efforts by lenders to deny loans to those who can't afford them
  • Online convenience for applying 24/7
  • Approvals for borrowers with bad credit, no credit, no regular job or no bank account
  • Lenders that manage the details of getting electronic verifications, credit reports, and background information

The Payday Loan Application Process

The payday loan application process usually takes 15 minutes or less, and a loan decision may be made on the same day. Funds can arrive for a loan in the borrower's bank account or on a loadable debit card as quickly as the next business day. This makes the payday loan option ideal for dealing with cash emergencies and time-sensitive costs. Payday loan applicants must be 18 or older and furnish the following information:

  • Federal or state ID proving identity, age, and current address
  • Social Security identifying number
  • Employment and income information
  • Bank account number or account number for a loadable debit card
  • Information about any alternative sources of income, if applicable and the applicant wants to use them

The above steps constitute a relatively simple application process because the payday lender handles all the verifications. Payday lenders may also offer loans to people with particular income circumstances, such as alternative income sources, bad credit records, and no bank account.

Managing Unusual Circumstances in Payday Loan Applications

There may be unusual circumstances that can disqualify applicants for payday loans. These circumstances include not having a bank account or a regular type of job or having poor credit.

Net income on payday and the borrower's total debt load are critical issues for payday loan approval. Since short-duration funding is repaid in a lump sum from one paycheck, the borrower's debt-to-income ratio is an important consideration. A low debt-to-income ratio - coupled with a high income - makes it likely that a borrower can repay the loan in full on the agreed-upon date.

Many people receive substantial funds, even without working at a regular job. These alternative income sources include:

  • Government benefits, such as Social Security, disability, welfare, VA benefits, etc.
  • Alimony and child support payments
  • Self-employment income
  • Royalties for various kinds of intellectual property
  • Investment income
  • Structured trust fund payments

People who receive income from these sources - and have documentation - may be able to use the income as a basis for a payday loan.

People without bank accounts can pay their bills just as efficiently as those with checking accounts. Loadable debit cards can receive and send payments electronically. Many benefits programs provide a debit card to make cash payments to benefit recipients.

Best Practices for Avoiding Debt Traps

One way to avoid debt traps is to avoid loans with payments that the borrower can't afford. The best way to prevent unaffordable loans is to study the family finances before committing to any type of loan. Consumers can create and follow a budget easily by downloading a free budgeting app over the internet.

Credit records don't keep track of all debts and spending. Most people have informal debts and obligations that don't show up on credit reports. That's why borrowers should always study their cash flow by listing all debts, bills, living expenses, and discretionary spending. The borrower is the person who must repay a loan, so he or she should be the judge of whether a loan payment or payments are affordable.

By cutting expenses during the repayment period, one can pay back their payday loans with ease. Common savings strategies include:

  • Eating at home
  • Cutting duplicate services
  • Borrowing books and videos from the library instead of purchasing in store
  • Reducing out-of-pocket expenses for snacks, gourmet coffee, and alcoholic beverages

Sacramento families can save money by using local resources for entertainment, education, exercise, and recreation. Sacramento has some great free and low-cost family fun options, such as Old Sacramento, Party in the Park summer events, Memorial Union Art Gallery, Sacramento Nature Center, and many others.

Using Payday Loans when They Make Sense

Applying for a payday loan in Sacramento, CA, is a borrower's personal decision. Short-term loans can deliver many real-world benefits if the borrower is able to manage their expenses and pay back the loans in a timely manner. Responsible borrowing is the key to successful loan management and better finances.

Favorite Sacramento, CA Cash Advance and Payday Loan Companies

Company name
Address
Phone
16Th Street Check Cashing
615 16Th Street Sacramento CA, 95814
916-447-1264
ABC CHECK CASHING COMPANY
801 L St Sacramento CA, 95814
916-341-0686
ABC CHECK CASHING COMPANY
1129 8th St Sacramento CA, 95814
916-341-0400
ABC FINANICAL SERVICES LLC
1129 8th Sacramento CA, 94203
916-341-0400
Absolutly No Id Rqrd Chck Cshg
2126 El Camino Ave Sacramento CA, 95821
916-641-2274
Ace Americas Cash Express
4341 Elkhorn Boulevard Sacramento CA, 95842
916-348-2990
Ace Americas Cash Express
4909 Auburn Boulevard Sacramento CA, 95841
916-339-8001
Ace Americas Cash Express
4211 Norwood Avenue Sacramento CA, 95838
916-927-7270
Ace Americas Cash Express
2419 Del Paso Boulevard Sacramento CA, 95815
916-566-1190
ACE AMERICAS CASH EXPRESS
7651 Daly Ave Ste C Sacramento CA, 95842
916-723-3248
ACE AMERICAS CASH EXPRESS
2419 Del Paso Blvd Sacramento CA, 95815
916-566-1190
ACE CASH EXPRESS
5427 Auburn Blvd Sacramento CA, 95841
916-349-2355
ACE CASH EXPRESS
5227 Elkhorn Blvd Sacramento CA, 95842
916-331-0545
ACE CASH EXPRESS
4341 Elkhorn Blvd Sacramento CA, 95842
916-348-2990
ACE CASH EXPRESS
5520 Watt Ave N Hilnds Sacramento CA, 94203
916-338-5362
ACE CASH EXPRESS
4110 Norwood Ave Sacramento CA, 95838
916-567-1143
Ace Cash Express Center 4103
Sacramento Sacramento CA, 95814
916-682-5466
Ace Cash Express Inc
6650 Valley Hi Dr Sacramento CA, 95823
916-682-5466
Ace Cash Express Inc
6527 Florin Rd Sacramento CA, 95828
916-429-3343
Advance America
7828 Gerber Road Sacramento CA, 95828
916-681-2200
ADVANCE AMERICA
1049 Broadway Sacramento CA, 95818
916-491-1482
ADVANCE AMERICA
1510 W El Camino Ave Sacramento CA, 95833
916-569-1508
ADVANCE AMERICA
5318 Stockton Blvd Sacramento CA, 95820
916-455-0309
ADVANCE AMERICA
4573 Mack Rd Sacramento CA, 95823
916-395-6375
ADVANCE AMERICA
7828 Gerber Rd Sacramento CA, 95828
916-681-2200
ADVANCE AMERICA
1441 Meadowview Rd Ste 106 Sacramento CA, 95832
916-424-2597
ADVANCE AMERICA
9183 Kiefer Blvd Sacramento CA, 95826
916-362-9441
ADVANCE AMERICA
2544 Arden Way Ste B Sacramento CA, 95825
916-488-4783
ADVANCE AMERICA
4215 Norwood Ave Ste 3b Sacramento CA, 95838
916-646-9794
ADVANCE AMERICA
9167 Kiefer Blvd Ste B Sacramento CA, 95826
916-362-9441
Advance America - Sacramento
1510 West El Camino Avenue Sacramento CA, 95833
916-569-1508
Advance America - Sacramento
2544 Arden Way Sacramento CA, 95825
916-488-4783
Advance America - Sacramento
5318 Stockton Boulevard Sacramento CA, 95820
916-455-0309
Advance America - Sacramento
4573 Mack Road Sacramento CA, 95823
916-395-6375
Advance America - Sacramento
9167 Kiefer Boulevard Suite B Sacramento CA, 95826
916-362-9441
Advance America - Sacramento
4215 Norwood Avenue Sacramento CA, 95838
916-646-9794
ADVANCE CHECK CASHING
916 J St Sacramento CA, 95814
916-498-0188
Advance Till Payday
5161 Freeport Blvd Sacramento CA, 95822
916-731-8311
Advance Till Payday
8965 Folsom Boulevard Sacramento CA, 95826
916-369-8677
Advance Till Payday
5161 Freeport Boulevard Sacramento CA, 95822
916-731-8126
Advance Till Payday
3280 Northgate Boulevard Sacramento CA, 95833
916-646-9196
Advance Till Payday
1830 Fulton Avenue Sacramento CA, 95825
916-487-4520
ADVANCE TILL PAYDAY
8965 Folsom Blvd Sacramento CA, 95826
916-369-5337
Advanced Check Cashing
916 J Street Sacramento CA, 95814
916-498-0888
Allied Cash Advance
2400 Florin Rd Sacramento CA, 95822
916-424-2635
American Check Cashing
3215 Marysville Boulevard Sacramento CA, 95815
916-564-8255
Any Kind Check Cashing Centers
6510 Florin Road Sacramento CA, 95828
916-391-4900
C & C Check Cashing
1016 10Th Street Sacramento CA, 95814
916-447-8333
California Budget Finance
2131 Fulton Avenue Suite A Sacramento CA, 95825
916-977-0983
CALIFORNIA BUDGET FINANCE
2900 Northgate Blvd Sacramento CA, 95833
916-643-4817
CALIFORNIA BUDGET FINANCE
2131 Fulton Ave Ste A Sacramento CA, 95825
916-977-0983
California Check Cashing Inc
2433 Northgate Blvd Sacramento CA, 95833
916-646-6776
CALIFORNIA CHECK CASHING STORE
Broadway Sacramento CA, 95817
916-731-7296
CALIFORNIA CHECK CASHING STORE
El Camino Ave Sacramento CA, 95815
916-929-2274
CALIFORNIA CHECK CASHING STORE
1290 Fulton Ave Ste 1a Sacramento CA, 95825
916-973-1570
CALIFORNIA CHECK CASHING STORE
Broadway/Franklin Sacramento CA, 94203
916-731-7296
CALIFORNIA CHECK CASHING STORE
Fruitridge 24th Sacramento CA, 94203
916-454-6185
CALIFORNIA CHECK CASHING STORE
Northgate W El Camino Sacramento CA, 94203
916-646-6776
CALIFORNIA CHECK CASHING STORE
W El Camino Sacramento CA, 94203
916-646-6776
CALIFORNIA CHECK CASHING STORE
Fruitridge/Mlk Sacramento CA, 94203
916-424-7296
CALIFORNIA CHECK CASHING STORE
7386 Stockton Blvd Ste N Sacramento CA, 95823
916-391-3782
CALIFORNIA CHECK CASHING STORE
Fruitridge Rd Sacramento CA, 95822
916-454-6185
CALIFORNIA CHECK CASHING STORE
2815 Florin Rd Sacramento CA, 95822
916-392-2435
CALIFORNIA CHECK CASHING STORE
2399 Fruitridge Rd Sacramento CA, 95822
916-454-6185
California Check Cashing Stores
1968 Fulton Avenue Sacramento CA, 95825
916-973-1570
California Check Cashing Stores
El Camino & Del Paso Sacramento CA, 95814
916-929-2274
California Check Cashing Stores
800 El Camino Avenue Sacramento CA, 95815
916-929-2274
California Check Cashing Stores
Fruitridge Mlk Sacramento CA, 95814
916-424-7296
California Check Cashing Stores
3920 Fruitridge Road Sacramento CA, 95820
916-424-7296
California Check Cashing Stores
Broadway Franklin Sacramento CA, 95814
916-731-7296
California Check Cashing Stores
2815 Florin Road Sacramento CA, 95822
916-392-2435
California Check Cashing Stores
2800 Broadway Sacramento CA, 95817
916-731-7296
California Check Cashing Stores
Northgate W El Camin Sacramento CA, 95814
916-646-6776
California Check Cashing Stores
2433 Northgate Boulevard Sacramento CA, 95833
916-646-6776
Camino Check Cashing
2101 El Camino Avenue Sacramento CA, 95821
916-927-5734
Cash & Go
5782 Broadway Sacramento CA, 95820
916-736-9900
Cash & Go
6154 Florin Road Sacramento CA, 95823
916-422-2435
CASH & GO
6244 Mack Rd Sacramento CA, 95823
916-392-8840
Cash 1
3335 Watt Avenue Sacramento CA, 95821
916-486-1834
Cash 1
4550 Mack Road Sacramento CA, 95823
916-429-1971
CASH 1
5363 Auburn Blvd Sacramento CA, 95841
916-348-7972
CASH 1
11195 Florin Rd Sacramento CA, 95830
916-391-0100
CASH 1
1600 W El Camino Ave Sacramento CA, 95833
916-643-2274
CASH 1
2270 Arden Way Ste A Sacramento CA, 95825
916-920-4505
CASH 1
4550 Mack Rd Sacramento CA, 95823
916-429-1971
CASH 1
3335 Watt Ave Sacramento CA, 95821
916-486-1834
Cash And Go
6244 Mack Road Sacramento CA, 95823
916-392-8840
Cash And Go Inc
6154 Florin Rd Sacramento CA, 95823
916-422-2435
Cash Check
1968 Fulton Avenue Sacramento CA, 95825
916-487-7952
CASH CHECK
1968 Fulton Ave Sacramento CA, 95825
916-487-7952
Cash N Dash Check Cashing
4709 Florin Road Sacramento CA, 95823
916-393-2274
CASH N DASH CHECK CASHING
4709 Florin Rd Ste 621 Sacramento CA, 95823
916-393-2274
Cash Today
7092 24Th Street Sacramento CA, 95822
916-424-5184
Cashland Downtown
615 16Th Street Sacramento CA, 95814
916-447-1263
CASHLAND DOWNTOWN
615 16th St Sacramento CA, 95814
916-447-1263
CFSP
581 La Sierra Dr Sacramento CA, 95864
916-489-0114
Check
5550 Franklin Boulevard Sacramento CA, 95820
916-739-0322
Check Cashing Super Stores Absolutely N Id Requird
2126 El Camino Avenue Sacramento CA, 95821
916-641-2274
Check Into Cash
5200 Stockton Boulevard Sacramento CA, 95820
916-739-6883
Check Into Cash
2523 Alta Arden Expressway Sacramento CA, 95825
916-481-8675
Check Into Cash
6286 Mack Road Sacramento CA, 95823
916-427-5481
Check Into Cash
5442 Auburn Boulevard Sacramento CA, 95841
916-349-1990
CHECK INTO CASH
5200 Stockton Blvd Sacramento CA, 95820
916-739-6883
CHECK INTO CASH
2527 Alta Arden Expy Sacramento CA, 95825
916-481-8675
CHECK INTO CASH
6286 Mack Rd Sacramento CA, 95823
916-427-5481
CHECK INTO CASH
3633 Bradshaw Rd Sacramento CA, 95827
916-369-8737
CHECK INTO CASH
5751 Excelsior Rd Sacramento CA, 95827
916-369-8737
Check Into Cash Of California
2523 Alta Arden Expy Sacramento CA, 95825
916-481-8675
Check Into Cash Of California
3633 Bradshaw Rd Ste F Sacramento CA, 95827
916-369-8737
Check Into Cash Of California
1589 W El Camino Ave Sacramento CA, 95833
916-923-2464
Check Into Cash Of California
5442 Auburn Blvd Sacramento CA, 95841
916-349-1990
Check Mart
2001 Broadway Sacramento CA, 95818
916-456-2274
Check Mart
5400 Stockton Boulevard Sacramento CA, 95820
916-455-2274
Check Mart
4603 Broadway Sacramento CA, 95820
916-452-6669
Check Mart Checking Cashing
2202 El Camino Avenue Sacramento CA, 95821
916-646-9413
Check Mart Chek Cashing
5934 Stockton Boulevard Sacramento CA, 95824
916-392-4500
Check Max Plus
5800 Antelope Road Sacramento CA, 95842
916-723-1550
Check Max Plus
3901 Moddison Avenue # 70 Sacramento CA, 95819
916-348-7566
Check Max Plus
5207 Madison Avenue Suite B Sacramento CA, 95841
916-348-0299
Check-X-Change
Sacramento Sacramento CA, 95814
916-348-0299
E Z CHECK CASHING
6385 Riverside Blvd Sacramento CA, 95831
916-428-1100
E Z MART CHECK CASHING INC
8315 Folsom Blvd Sacramento CA, 95826
916-381-1571
E-Z Mart Check Cashing
8315 Folsom Boulevard Sacramento CA, 95826
916-381-1571
EL CHARRO
2355 Florin Rd Sacramento CA, 95822
916-421-8037
EXPRESS CHECK CASHING STORES
6511 Savings Pl Sacramento CA, 95828
916-399-1314
Ez Check Cashing
6385 Riverside Boulevard Sacramento CA, 95831
916-428-2111
F & E Check Protector Co
Sacramento Sacramento CA, 95814
916-441-7616
Fastrip Food Store
8061 Florin Road Sacramento CA, 95828
916-381-4284
FOLSOM CHECK CASHING
9205 Folsom Blvd Ste A Sacramento CA, 95826
916-368-6600
Innoventry
1650 Tribute Rd Sacramento CA, 95815
916-717-3687
Kellys Check Cashing
5250 Yvonne Way Sacramento CA, 95823
916-429-1509
Leila J Check Cashing Co
3928 Marysville Blvd Sacramento CA, 95838
916-922-7278
LOAN MART MONEY MART
1511 Del Paso Blvd Sacramento CA, 95815
916-921-2274
LOAN MART MONEY MART
2422 Del Paso Blvd Sacramento CA, 95815
916-923-2274
LOAN MART MONEY MART
5550 Franklin Blvd Ste 102 Sacramento CA, 95820
916-739-0322
LOAN MART MONEY MART
3644 J St Ste B Sacramento CA, 95816
916-451-0124
LOAN MART MONEY MART
4709 Florin Rd Ste 1a Sacramento CA, 95823
916-393-2274
LOAN MART MONEY MART
6510 Florin Rd Sacramento CA, 95828
916-391-4900
LOAN MART MONEY MART
5044 Madison Ave Ste D1 Sacramento CA, 95841
916-334-9110
LOAN MART MONEY MART
5934 Stockton Blvd Sacramento CA, 95824
916-392-4500
Monetary Management Of Ca Inc
1016 10Th St Sacramento CA, 95814
916-447-8333
Monetary Management Of Ca Inc
5550 Frnklin Blvd Ste 102 Sacramento CA, 95820
916-739-0322
Monetary Management Of Ca Inc
5400 Stockton Blvd Sacramento CA, 95820
916-455-2274
Monetary Management Of Ca Inc
2202 El Camino Ave Sacramento CA, 95821
916-646-9413
Monetary Management Of Ca Inc
5044 Madison Ave Sacramento CA, 95841
916-334-9110
Money Mart
1511 Del Paso Boulevard Sacramento CA, 95815
916-921-2274
Money Mart
151 Del Paso Boulevard Sacramento CA, 95814
916-921-2274
Money Mart
5550 Franklin Boulevard Suite 102 Sacramento CA, 95820
916-739-0322
Money Mart
4709 Florin Road Suite 1A Sacramento CA, 95823
916-393-2274
Money Mart
2422 Del Paso Boulevard Sacramento CA, 95815
916-923-2274
Money Mart 1915
5044 Moddison Avenue Sacramento CA, 95819
916-334-9110
Money Mart 1915
5044 Madison Avenue Sacramento CA, 95841
916-334-9110
National Cash Advance
6321 Mack Road Sacramento CA, 95823
916-689-0747
National Cash Advance
3315 Northgate Boulevard Suite 11 Sacramento CA, 95834
916-649-9396
Paul Jain
5207 Madison Ave Ste B Sacramento CA, 95841
916-348-0299
Payday Loans At Loan Mart
3644 J Street Sacramento CA, 95816
916-451-0124
Pnb Remittance Centers Inc
7214 Florin Mall Dr Sacramento CA, 95823
916-394-9240
Popular Cash Express 94
2399 Fruitridge Road Sacramento CA, 95822
916-452-1587
Quick Market & Check Cash
2830 Franklin Boulevard Sacramento CA, 95818
916-453-0670
QUICK MARKET & CHECK CASH
2830 Franklin Blvd Sacramento CA, 95818
916-731-4010
QUIK CASH
3213 Marysville Blvd Sacramento CA, 95815
916-564-8255
Sacramento Check Cashing
5222 Hillsdale Blvd Ste 2 Sacramento CA, 95842
916-331-4028
Sacramento Check Cashing
5222 Hillsdale Boulevard Suite 2 Sacramento CA, 95842
916-331-4028
Sp Check Cashing
5336 Auburn Boulevard Sacramento CA, 95841
916-334-1506
SP CHECK CASHING
5336 Auburn Blvd Sacramento CA, 95841
916-334-1506
Surrogate Creations
5250 Date Avenue Sacramento CA, 95841
916-338-1400
THE PHOENIX SCHOOLS
1820 Alhambra Blvd Sacramento CA, 95816
916-452-5150
THE PHOENIX SCHOOLS
600 I St Ste 100 Sacramento CA, 95814
916-442-0722
THE PHOENIX SCHOOLS
7335 Park City Dr Sacramento CA, 95831
916-399-8371
UNITED CHECK CASHING
4540 Florin Rd Sacramento CA, 95823
916-422-2244
Usa Cash Services
5412 Madison Avenue Suite 160 Sacramento CA, 95841
916-339-1800
Usa Cash Store
5581 Hillsdale Boulevard Sacramento CA, 95842
916-339-1800

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