Loans in Contra Costa County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Contra Costa County, CA.
The median household in Contra Costa County earns $127,229 a year, 28% above the California median of $99,122. About 8% of residents live below the federal poverty line, and 32.0% of households rent their home.
What you need for a payday loan in Contra Costa County
Lenders that serve Contra Costa County typically ask for the following:
- 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 Contra Costa County
What Contra Costa County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Contra Costa 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 Contra Costa County
Banks with branches in Contra Costa County
178 FDIC-insured bank branches from 34 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 30 | 224 Brookwood Rd, Orinda 94563 |
| Wells Fargo Bank, National Association | 26 | 1920 Tice Valley Blvd, Walnut Creek 94595 |
| Bank of America, National Association | 20 | 4195 Blackhawk Plaza Cir, Danville 94506 |
| Mechanics Bank | 15 | 1111 Civic Dr, Walnut Creek 94596 |
| U.S. Bank National Association | 13 | 3498 Mt Diablo Blvd, Lafayette 94549 |
| BMO Bank National Association | 12 | 2900 Railroad Ave, Pittsburg 94565 |
| Citibank, National Association | 12 | 3528 Mt Diablo Blvd, Lafayette 94549 |
| BAC Community Bank | 4 | 3448 Deer Valley Rd, Antioch 94531 |
| Fremont Bank | 4 | 21001 San Ramon Valley Blvd, San Ramon 94583 |
| Poppy Bank | 4 | 1956 Tice Valley Blvd, Walnut Creek 94595 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Contra Costa County
49 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 1855 2Nd St, Concord 94519 |
| Mckesson & Healthcare Providers | 1785 Arnold Dr, Martinez 94553 |
| Delta Schools | 701 W 18Th St, Antioch 94509 |
| Sun Pacific | 1221 Nevin Ave, Richmond 94801 |
| Patelco | 5601 Lone Tree Way Ste 110, Brentwood 94513 |
| Travis | 5441 Clayton Rd, Clayton 94517 |
| Nuvision | 634 Ferry St, Martinez 94553 |
| Self-Help | 2110 Railroad Ave, Pittsburg 94565 |
| Chevron | 2600 Camino Ramon Ste Cf120, San Ramon 94583 |
| Provident | 11030 Bollinger Canyon Rd Ste 190, San Ramon 94582 |
| Operating Engineers Local Union #3 | 1875 Arnold Dr Ste 101, Martinez 94553 |
| Firefighters First | 1600 S Main St Ste 105, Walnut Creek 94596 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Contra Costa County
All California counties and cities
Frequently asked questions
Are payday loans legal in Contra Costa County?
Contra Costa 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 Contra Costa County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in Contra Costa County?
Options include 178 bank and 49 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 Contra Costa County?
Fill out our short online form from anywhere in Contra Costa 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 get an emergency loan in Contra Costa County?
Yes. When an unexpected bill comes up, Contra Costa 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.
Can I apply for a loan online in Contra Costa County?
Yes. You don't need to visit a branch or storefront anywhere in Contra Costa 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 a loan in Contra Costa County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Contra Costa County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Contra Costa County, CA?
You can apply at banks, credit unions and lenders in Contra Costa 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.