Loans in Yolo County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Yolo County, CA.
The median household in Yolo County earns $91,752 a year, 7% below the California median of $99,122. About 17% of residents live below the federal poverty line, and 45.7% of households rent their home.
What you need for a payday loan in Yolo County
Here's what to have on hand before you start your payday loan request in Yolo 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 Yolo County
What Yolo County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Yolo 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 Yolo County
Banks with branches in Yolo County
27 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Northern Bank of Dixon | 6 | 48 Main St, Winters 95694 |
| Bank of America, National Association | 4 | 1511 W Capitol Ave, West Sacramento 95691 |
| U.S. Bank National Association | 3 | 120 W Court St, Woodland 95695 |
| Wells Fargo Bank, National Association | 3 | 444 Court St, Woodland 95695 |
| JPMorgan Chase Bank, National Association | 3 | 330 E St, Davis 95616 |
| River City Bank | 2 | 239 E St, Davis 95616 |
| Citizens Business Bank, National Association | 2 | 725 Riverpoint Ct, West Sacramento 95605 |
| Tri Counties Bank | 1 | 630 Main St, Woodland 95695 |
| BMO Bank National Association | 1 | 186 Main St, Woodland 95695 |
| Columbia Bank | 1 | 203 Main St, Woodland 95695 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Yolo County
13 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| The Golden 1 | 508 2Nd St Ste 101, Davis 95616 |
| Travis | 1380 E Covell Blvd, Davis 95616 |
| Safe | 2105 Town Center Plz Ste F100, West Sacramento 95691 |
| Blupeak | 200 B St, Davis 95616 |
| Yolo | 266 W Main St, Woodland 95695 |
| Postcity Financial | 3775 Industrial Blvd, West Sacramento 95799 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Yolo County
All California counties and cities
Frequently asked questions
Are payday loans legal in Yolo County?
Yolo 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 Yolo County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in Yolo County?
Options include 27 bank and 13 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 Yolo County?
Fill out our short online form from anywhere in Yolo 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 a loan in Yolo 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. Yolo County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Yolo County with bad credit?
Yes, many lenders in our network work with Yolo 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.
Can I apply for a loan online in Yolo County?
Yes. You don't need to visit a branch or storefront anywhere in Yolo 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 Yolo County?
Yes. When an unexpected bill comes up, Yolo 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.