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Payday Loans in Fresno, CA – Online & Near Me

Apply for a payday loan

How to get a payday loan

Apply for a Fast Online Payday Loan [ FRESNO ]

Possible types of loans:

  • $100, $200, $300, $400, $500, $600, $700, $800, $900, 1000 dollars are emergency payday loans in Fresno 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 – Fresno, CA installment loans that can be taken out for terms of up to 2 years (most often 1, 6, 9, 12 or 3 months).

Available locations for direct deposit loans.

Postal (zip) codes: 93650, 93701, 93702, 93703, 93704, 93705, 93706, 93707, 93708, 93709, 93710, 93711, 93712, 93714, 93715, 93716, 93717, 93718, 93720, 93721, 93722, 93723, 93724, 93725, 93726, 93727, 93728, 93729, 93730, 93737, 93740, 93741, 93744, 93745, 93747, 93750, 93755, 93760, 93761, 93764, 93765, 93771, 93772, 93773, 93774, 93775, 93776, 93777, 93778, 93779, 93786, 93790, 93791, 93792, 93793, 93794, 93844, 93888.

Area codes: 209, 559

To get fast online cash advances (payday or personal loans, short-term loans, fast cash) with instant approval in Fresno, 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 :: Fresno California Direct Lenders (list of offline stores and agencies nearby)

CompanyAddressPhone
ACE Cash Express432 E Bullard Ave, Fresno, CA 93710+1 559-438-8881
Oportun3850 N Cedar Ave, Fresno, CA 93726+1 559-201-6371
Check Into Cash5247 E Kings Canyon Rd, Fresno, CA 93727+1 559-252-9272
Advance America3249 W Shaw Ave #103, Fresno, CA 93711+1 559-271-7668
ACE Cash Express2425 E McKinley Ave, Fresno, CA 93703+1 559-495-6598
Capital Car Title Loans3618 E Ventura Ave, Fresno, CA 93702+1 559-236-9509

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About Payday Loans in Fresno California

If you’re facing a financial emergency in Fresno, a payday loan (cash advance) might seem like a quick solution. These short-term, high-interest loans provide fast cash—but they come with risks. Here’s everything you should know before borrowing.


How Payday Loans Work in Fresno, CA

Payday loans are small-dollar loans (usually $100 to $300) designed to be repaid by your next paycheck. California law regulates these loans to protect borrowers, but fees and interest rates remain high.

Key Features:

✔ Fast Approval – Many lenders deposit funds within 24 hours.
✔ No Credit Check – Bad credit or no credit? You may still qualify.
✔ Short-Term Repayment – Typically due in 2-4 weeks.
✔ In-Person or Online Options – Apply at storefront lenders or online.


California Payday Loan Regulations

Fresno lenders must follow state laws, including:

  • Maximum Loan Amount: $300
  • Loan Term: Minimum 15 days, maximum 31 days
  • Maximum Fee: 15% of the loan amount (e.g., $45 fee on a $300 loan)
  • No Rollovers Allowed – Lenders cannot extend the loan; you must repay in full before borrowing again.

Despite these rules, the APR (Annual Percentage Rate) can exceed 460%, making payday loans one of the most expensive borrowing options.


Where to Get a Payday Loan in Fresno

You can find payday lenders in Fresno through:

  • Storefront Locations (Check areas like Blackstone Ave, Shaw Ave, or Herndon Ave)
  • Online Lenders (Some operate statewide with direct deposit options)

Requirements:

  • Valid ID (CA driver’s license or state ID)
  • Proof of Income (Pay stubs, bank statements)
  • Active Checking Account
  • Age 18+

Risks of Payday Loans in Fresno

While convenient, payday loans can lead to:
⚠ Debt Cycles – Many borrowers take out new loans to repay old ones.
⚠ High Fees – A $300 loan could cost $345 in just two weeks.
⚠ Bank Overdrafts – If repayment fails, lenders may withdraw funds, causing overdraft fees.


Better Alternatives in Fresno

Before taking a payday loan, consider:

  • Credit Union Payday Alternative Loans (PALs) – Lower interest, longer terms.
  • Personal Installment Loans – More time to repay.
  • Emergency Assistance Programs – Local charities or nonprofits may help.
  • Payment Plans – Ask creditors for extensions.

The Bottom Line

Payday loans in Fresno provide fast cash, but their high costs make them risky. If you must borrow:

  • Only take what you can repay on time.
  • Avoid multiple loans at once.
  • Explore cheaper alternatives first.

Need help finding financial resources in Fresno? Contact local nonprofits like Central California Legal Services or Fresno Metro Ministry for assistance.


Disclaimer: Payday loans should be a last resort due to high fees. California law prohibits lenders from offering loans above $300 or rolling them over. Borrow responsibly.