Online Payday Loans Near Me in Oakland, CA

So, do you urgently need a short-term loan in Oakland? Know that you always have a choice:

apply for a loan online (advantages),
find a direct lender near you (list).

Payday Loans Online 24/7 [Oakland]

What are the main benefits?

Fast: instant application review and approval in a few minutes.
Easy: short form and minimal requirements for the borrower.
Anytime: applications accepted 24 hours a day, 7 days a week.
Short-term loans: up to $1,000.
Installment loans: up to $5,000.
Transparent terms: no hidden or additional fees.
Safe: personal information is 100% protected (SSL).
Any credit score: including no and bad credit history.

Locations served:

Postal Codes & ZIP Codes: 94601, 94602, 94603, 94604, 94605, 94606, 94607, 94608, 94609, 94610, 94611, 94612, 94613, 94614, 94615, 94617, 94618, 94619, 94621, 94622, 94623, 94624, 94626, 94659, 94660, 94661, 94662, 94666
Area Codes: 510

List of Direct Lenders in Oakland, California (or nearby)

Company	Phone	Address	ZIP
5 Star Car Title Loans	+1 510-617-1476	320 23rd Street, Oakland, CA	94612
ACE Cash Express	+1 510-891-9466	2700 San Pablo Ave, Oakland, CA	94612
California Check Cashing Stores	+1 510-547-0859	5101 Telegraph Ave, Oakland, CA	94609
Check Center	+1 510-835-8282	302 E. 18th Street, Oakland, CA	94606
Oportun	+1 510-214-0322	1477 Fruitvale Ave, Oakland, CA	94601
ACE Cash Express	+1 510-533-1772	3229 International Blvd, Oakland, CA	94601
Montana Capital Car Title Loans	+1 510-281-5810	4030B International Blvd #19, Oakland, CA	94601
California Check Cashing Stores	+1 510-532-7637	3421 High Street, Oakland, CA	94619
Apoyo Financiero	+1 510-868-9301	4300 International Blvd Ste A, Oakland, CA	94601
Check Into Cash	+1 510-337-3940	2210 S Shore Center Ste F, Alameda, CA	94501
California Check Cashing Stores	+1 510-276-2426	15251-A E 14th St, San Leandro, CA	94578

Basic Information You Need to Know

Oakland residents considering short-term loans should be aware of California regulations and their potential consequences.

Loan Terms, Amount, Rates and Fees in Oakland, CA, USA

Payday loans, the most common type of short-term loan, are governed by California law. The maximum loan amount is $300, encompassing all fees and interest. Loan terms are capped at 31 days.

California law limits fees to 15 per 100 borrowed. Therefore, a 300 loan incurs a maximum fee of 45. Although the fee is capped, the Annual Percentage Rate (APR) can be remarkably high (often exceeding 400%) due to the short loan term. Thoroughly review all fees and the repayment schedule before agreeing to the loan.

Small Loan Online or Cash Advance Near Me (Nearby)

Online Loans: Offer speed and convenience. Verify that the lender is licensed in California and complies with all regulations to avoid fraudulent or predatory lending practices.
“Cash Advance Near Me In-Store”: This search reveals physical storefront lenders in Oakland. Benefits include personalized service and direct communication regarding loan terms. Compare rates from multiple sources.

Weigh the convenience of online access against the personal touch of a local storefront.

Short-Term Credit Regulatory Authority in Oakland, California

The California Department of Financial Protection and Innovation (DFPI) oversees short-term lenders operating in Oakland. Use the DFPI website to confirm licenses, lodge complaints, and access consumer education resources. Being aware of the DFPI’s role is key to responsible borrowing.

Can I Extend My Payday Loan?

California law prohibits rolling over or extending payday loans. This means you cannot take out a new loan to pay off the old one. The intent is to prevent borrowers from becoming trapped in a cycle of debt. If you cannot repay the loan on the due date, you’ll need to find alternative sources of funds to avoid defaulting.