Loans in Butte County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Butte County, CA.
The median household in Butte County earns $67,928 a year, 31% below the California median of $99,122. About 19% of residents live below the federal poverty line, and 42.7% of households rent their home.
What you need for a payday loan in Butte County
Here's what to have on hand before you start your payday loan request in Butte County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Butte County
What Butte County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Butte County
Payday Loans Legal
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Personal Loans
Under $2,500: tiered 12%-30%/yr.
Title Loans Legal
Car-title loans are legal in California as California Financing Law (CFL) loans.
Banks and credit unions in Butte County
Banks with branches in Butte County
41 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Tri Counties Bank | 10 | 63 Constitution Dr, Chico 95973 |
| Mechanics Bank | 4 | 2041 Forest Ave, Chico 95928 |
| Wells Fargo Bank, National Association | 4 | 355 Memorial Way, Chico 95926 |
| U.S. Bank National Association | 4 | 260 E 2nd St, Chico 95928 |
| JPMorgan Chase Bank, National Association | 3 | 2001 Oro Dam Blvd E, Oroville 95966 |
| BMO Bank National Association | 3 | 34 E Gridley Rd, Gridley 95948 |
| Bank of America, National Association | 3 | 400 Broadway St, Chico 95928 |
| Golden Valley Bank | 3 | 190 Cohasset Rd, Chico 95926 |
| Columbia Bank | 2 | 2025 Pillsbury Rd, Chico 95926 |
| Five Star Bank | 1 | 1370 E Lassen Ave, Chico 95973 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Butte County
9 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| The Golden 1 | 239 W 2Nd St Ste 1, Chico 95928 |
| Rogue | 550 Salem St, Chico 95928 |
| Self-Help | 482 B St, Biggs 95917 |
| Sierra Central | 5175 Skyway, Paradise 95969 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Butte County
All California counties and cities
Frequently asked questions
Are payday loans legal in Butte County?
Butte County follows California law. Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Are title loans legal in Butte County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in Butte County?
Options include 41 bank and 9 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Butte County?
Fill out our short online form from anywhere in Butte County. We share it with lenders in our network that serve California; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Butte County?
Yes. You don't need to visit a branch or storefront anywhere in Butte County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve California. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Butte County?
Yes. When an unexpected bill comes up, Butte County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Butte County, CA?
You can apply at banks, credit unions and lenders in Butte County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve California residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Butte County with bad credit?
Yes, many lenders in our network work with Butte County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.