Payday loans in Folsom, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Folsom, CA.
The median household in Folsom earns $139,804 a year, 41% above the California median of $99,122. About 5% of residents live below the federal poverty line, and 30.3% of households rent their home. When an unexpected bill hits before payday, Folsom residents can request $100 to $1,000 online in minutes.
California law that applies in Folsom
| 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 Folsom
Most Folsom applicants can finish in one sitting if they have these ready:
- 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 Folsom
What Folsom borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Folsom
- 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 Folsom
16 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 2 | 403 E Bidwell St, Folsom 95630 |
| Wells Fargo Bank, National Association | 2 | 1113 E Bidwell St, Folsom 95630 |
| U.S. Bank National Association | 2 | 521 E Bidwell St, Folsom 95630 |
| JPMorgan Chase Bank, National Association | 2 | 2750 E Bidwell St, Folsom 95630 |
| El Dorado Savings Bank, F.S.B. | 1 | 300 E Bidwell St, Folsom 95630 |
| Banner Bank | 1 | 701 E Bidwell St, Folsom 95630 |
| Columbia Bank | 1 | 2779 E Bidwell St, Folsom 95630 |
| Tri Counties Bank | 1 | 25065 Blue Ravine Rd, Folsom 95630 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Folsom
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Schoolsfirst | 1010 Riley St Ste 5, Folsom 95630 |
| The Golden 1 | 1117 E Bidwell St, Folsom 95630 |
| Patelco | 1300 E Bidwell St Ste 155, Folsom 95630 |
| Safe | 2740 E Bidwell St, Folsom 95630 |
| Provident | 2475 Iron Point Rd Ste 110, Folsom 95630 |
| Sacramento | 1705 Iron Point Rd Ste 100, Folsom 95630 |
| Heritage Community | 13385 Folsom Blvd Ste 200, Folsom 95630 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Sacramento County · Personal Loans in Folsom · Title Loans in Folsom
Frequently asked questions
Can I get a payday loan in Folsom, 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 Folsom through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Folsom?
Your personal check cannot exceed $300. At the maximum fee you receive $255.
How fast can I get a payday loan in Folsom?
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.
What is a payday loan in Folsom?
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 Folsom 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.
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.
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.
How much does a payday loan cost in Folsom?
The fee may not exceed 15% of the check amount ($45 on a $300 check). Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Folsom borrowers in about 3 minutes.
How do I get a payday loan in Folsom, CA?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Folsom borrowers can finish the form in about 3 minutes.
Do I need to visit a store in Folsom?
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.