Payday Loans in Alameda County, California
Alameda County is home to roughly 1,623,031 residents across the 18 cities we serve. The statewide playbook applies at every counter here: borrow at most $300, pay at most 15% in fees, repay within 31 days.
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Household income in Alameda County runs about 28% above the typical California city, so a $255 cash advance is more often a bridge than a lifeline here.
Cost snapshot for Alameda County
| You borrow | Fee (14 days) | Total due (14d) | APR (14d) |
|---|---|---|---|
| $100 | $15 | $115 | 391% |
| $200 | $30 | $230 | 391% |
| $255 | $38.25 | $293.25 | 391% |
| $300 | $45 | $345 | 391% |
Cities in Alameda County
Major cities
- Oakland
- Fremont
- Hayward
- Berkeley
- San Leandro
- Livermore
- Pleasanton
- Alameda
- Union City
- Castro Valley
- Dublin
- Newark
Smaller communities
Tribal loans in Alameda County
Need more than the $300 state cap allows? Tribal installment lenders serve Alameda County online — see the real biweekly math and the risks before signing:
- Tribal loans in Oakland
- Tribal loans in Fremont
- Tribal loans in Hayward
- Tribal loans in Berkeley
- Tribal loans in San Leandro
- Tribal loans in Livermore
- Tribal loans in Pleasanton
- Tribal loans in Alameda
- Tribal loans in Union City
- Tribal loans in Castro Valley
- Tribal loans in Dublin
- Tribal loans in Newark
- Tribal loans in San Lorenzo
- Tribal loans in Ashland
- Tribal loans in Albany
- Tribal loans in Cherryland
- Tribal loans in Emeryville
- Tribal loans in Piedmont
- How tribal loans work →
Nearby counties
Alameda County FAQ
Are payday loans legal in Alameda County?
Yes — Alameda County follows California's Deferred Deposit Transaction Law (Cal. Fin. Code § 23000 et seq.), which legalizes payday lending statewide with a $300 cap and 15% maximum fee.
Who regulates payday lenders in Alameda County?
The California Department of Financial Protection and Innovation (DFPI), regardless of county. Verify any lender at dfpi.ca.gov before signing.
Can I borrow more than $300 in Alameda County?
Not as a payday loan. The $300 cap is uniform across California. Larger needs call for an installment loan — which uses a different (and separately regulated) statute.
Ready to compare offers in Alameda County?
See what lenders in our network can offer you — checking rates won't affect your credit score. Statewide rules apply in Alameda County: $300 max, 15% fee, no rollovers.
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