Payday loans in Commerce, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Commerce, CA.
The median household in Commerce earns $77,064 a year, 22% below the California median of $99,122. About 12% of residents live below the federal poverty line, and 45.0% of households rent their home. 13.1% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Commerce residents can request $100 to $1,000 online in minutes.
California law that applies in Commerce
| Maximum loan | Your personal check cannot exceed $300. |
|---|---|
| Fee cap | The fee may not exceed 15% of the check amount ($45 on a $300 check). |
| Rollovers | Rollovers are prohibited. |
| Loans at once | A lender may not make a new payday loan to a customer while that customer has a payday loan outstanding with it. |
| Payment plan | A lender may extend the due date or offer a payment plan but does not have to. |
Full rules with statute citations: Payday Loans in California. Cities in California cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Commerce
Here's what to have on hand before you start your payday loan request in Commerce:
- 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 Commerce
What Commerce borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a payday loan in Commerce
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve California.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
California does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Commerce
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 5701 S Eastern Ave, Commerce 90040 |
| City National Bank | 1 | 5601 E Slauson Ave, Commerce 90040 |
| U.S. Bank National Association | 1 | 5616 Whittier Blvd, Commerce 90022 |
| JPMorgan Chase Bank, National Association | 1 | 5714 Whittier Blvd, Commerce 90022 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Commerce
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Certified | 4820 S Eastern Ave Ste L, Commerce 90040 |
| L. A. Electrical Workers Credit Un. | 6023 Garfield Ave, Commerce 90040 |
| Bopti | 6277 E Slauson Ave, Commerce 90040 |
| Fox | 6277 E Slauson Ave, Commerce 90040 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Los Angeles County · Personal Loans in Commerce · Title Loans in Commerce
Frequently asked questions
Can I get a payday loan in Commerce, CA?
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI. You can request one online from Commerce through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Commerce?
Your personal check cannot exceed $300. At the maximum fee you receive $255.
How fast can I get a payday loan in Commerce?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do payday loans work in Commerce?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Commerce residents can start the process online in about 3 minutes.
What is a payday loan in Commerce?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Commerce can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and California rules. See if you qualify in about 3 minutes.
Do payday lenders in Commerce check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on California rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do I need to visit a store in Commerce?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.