Payday loans in Fontana, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fontana, CA.
The median household in Fontana earns $102,821 a year, about the same as the California median of $99,122. About 10% of residents live below the federal poverty line, and 33.2% of households rent their home. When an unexpected bill hits before payday, Fontana residents can request $100 to $1,000 online in minutes.
California law that applies in Fontana
| 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 Fontana
Here's what to have on hand before you start your payday loan request in Fontana:
- 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 Fontana
What Fontana borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Fontana
- 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 Fontana
18 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 5 | 14518 Baseline Ave, Fontana 92336 |
| Bank of America, National Association | 4 | 10048 Sierra Ave, Fontana 92335 |
| Wells Fargo Bank, National Association | 4 | 14307 Baseline Ave, Fontana 92336 |
| U.S. Bank National Association | 2 | 7400 Cherry Ave, Fontana 92336 |
| Citizens Business Bank, National Association | 1 | 9244 Sierra Ave, Fontana 92335 |
| Citibank, National Association | 1 | 8501 Sierra Ave, Fontana 92335 |
| Mechanics Bank | 1 | 9714 Sierra Ave, Fontana 92335 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Fontana
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Arrowhead | 16944 S Highland Ave, Fontana 92336 |
| Credit Union Of Southern Ca, A | 16014 Foothill Blvd, Fontana 92335 |
| Inland Valley | 9389 Cherry Ave, Fontana 92335 |
| Fontana | 17235 Arrow Blvd, Fontana 92335 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: San Bernardino County · Personal Loans in Fontana · Title Loans in Fontana
Frequently asked questions
Can I get a payday loan in Fontana, 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 Fontana through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Fontana?
Your personal check cannot exceed $300. At the maximum fee you receive $255.
How fast can I get a payday loan in Fontana?
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.
Do payday lenders in Fontana 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 secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Fontana residents can see if they qualify in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Fontana? Our form takes about 3 minutes.
Where can I get a payday loan in Fontana?
You can visit a storefront in Fontana or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
How do payday loans work in Fontana?
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. Fontana residents can start the process online in about 3 minutes.
Do I need to visit a store in Fontana?
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.