Fast Online Payday Loan [ ANTIOCH ]
Possible types of loans:
- $100, $200, $300, $400, $500, $600, $700, $800, $900, 1000 dollars are emergency payday loans in Antioch California USA, which are issued for a period of 1, 2, 3 or 4 weeks (until your next salaries).
- $1500, $2000, $2500, $3000, $3500, $4000, $4500, $5000 – Antioch, CA installment loans that can be taken out for terms of up to 2 years (most often 1, 6, 9, 12 or 3 months).
To get fast online cash advances (payday or personal loans, short-term loans, fast cash) with instant approval in Antioch, CA, USA, use our simple 5-minute application form! The money will be credited to your bank account within 24-48 hours (or faster) after approval.
Cash Advance Near Me :: Antioch California Direct Lenders (list of offline stores and agencies nearby)
| Company | Address | Phone |
|---|---|---|
| CASH 1 | 3692 Delta Fair Blvd, Antioch, CA 94509 | +1 925-776-1300 |
| Advance America | 2900 Delta Fair Blvd, Antioch, CA 94509 | +1 925-755-7830 |
| 5 Star Car Title Loans | 2843 Lone Tree Wy, Antioch, CA 94509 | +1 925-794-8814 |
| Lendmark Financial | 4049 Lone Tree Wy B, Antioch, CA 94531 | +1 925-757-9250 |
| OneMain Financial | 5035 Lone Tree Wy Ste B, Antioch, CA 94531 | +1 925-516-6400 |
| Mariner Finance | 5829 Lone Tree Wy Suite G, Antioch, CA 94531 | +1 925-529-1313 |
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About Payday Loans in Antioch California
When unexpected expenses arise between paychecks, many Antioch residents consider payday loans as a quick financial solution. This guide explains how these short-term loans work in Antioch, their costs, risks, and better alternatives available in Contra Costa County.
How Payday Loans Work in Antioch
Payday loans are small, short-term cash advances that typically range from $100 to $300 in California. Key features include:
- Fast access to cash (often same day)
- No credit check required
- Short repayment period (usually 2-4 weeks)
- Available at storefront locations and online lenders
California Payday Loan Regulations
All Antioch lenders must follow strict state laws:
✔ Maximum loan amount: $300
✔ Maximum fee: 15% of loan amount ($45 on $300 loan)
✔ APR cap: Approximately 460% for 14-day loan
✔ Loan term: Minimum 15 days, maximum 31 days
✔ No rollovers allowed – must repay in full before new loan
Example: A $300 payday loan would cost $345 to repay after two weeks.
Where to Get Payday Loans in Antioch
Local options include:
- Storefront lenders along Lone Tree Way and Somersville Road
- Online lenders serving California residents
Basic Requirements:
- California ID or driver’s license
- Proof of income (pay stub, benefits, or bank statements)
- Active checking account
- Minimum age of 18 years
The Risks of Payday Loans
While convenient, these loans present significant dangers:
⚠ Extremely high costs – Equivalent to 300-400% APR
⚠ Debt cycle risk – 75% of payday loans go to repeat borrowers
⚠ Bank overdraft fees if repayment fails
⚠ Aggressive collections for defaulted loans
Better Alternatives in Antioch
Before using payday loans, consider these options:
- Credit union alternatives (like Patelco or Spectrum)
- Emergency assistance programs (Contra Costa County services)
- Payment plans with creditors
- Personal loans from banks or online lenders
- Community aid organizations (like Antioch Community Foundation)
Responsible Borrowing Tips
If you must use a payday loan:
✅ Borrow only what you can repay on your next paycheck
✅ Avoid taking multiple loans simultaneously
✅ Read all terms carefully before signing
✅ Have a concrete repayment plan
Where to Get Help
For those struggling with payday loan debt:
- Contra Costa County Consumer Protection (925-335-3970)
- Nonprofit credit counseling (ClearPoint or CCCS)
- Legal aid services (Bay Area Legal Aid)
Important Note: The California Department of Financial Protection and Innovation warns that payday loans should only be used for true emergencies due to their high costs.
Final Recommendation
While payday loans offer quick cash in Antioch, their extreme costs make them a dangerous solution. Residents should exhaust all other options first, including assistance programs, credit union loans, and payment arrangements with creditors.
For those in financial crisis, Antioch’s community organizations and county services may provide safer alternatives to avoid the debt trap of payday lending.
