Top 10 Best Near Me Payday Loans in Alameda, California (2025) with Comparison Chart and Eligibility Criteria
- Published on -
- Written By - Tony Dorman
- Reviewed By - Zack M. Disette
People dealing with new costs or urgent problems often seek a fast solution by taking out a payday loan. There are many providers that help residents of Alameda, California with cash advances and have a simple application process. Although useful, these loans can be especially tricky to deal with when it comes to high annual percentage rates (APRs). This guide lists the ten providers in Alameda that offer the services alongside their details like interest rates, approval times, and features so that borrowers have all they need to make an informed decision.
Comparison Chart
- Services: Installment loans, cashing checks, and payday loans.
- Features: Online applications, in-person services, and swift approval.
- Website: checkintocash.com
- Ratings: 4.0/5.
- Reviews: “Awesome for emergencies, but service was fast and fees were very high.”
- Working Hours: Monday-Saturday: 9:00 AM – 6:00 PM.
- Location: 2210 S Shore Center Suite F, Alameda, CA 94501, United States
- Amenities: Management of accounts online, staff available in multiple languages.
- Loan Amount: $100-$1000, and $300.
- APR: Up to 450%.
- Approval Time: 15 minutes.
- Loan Period: 14 days.
2. Loan Till Payday Online
- Services: Money orders, simple title, and payday loans.
- Features: Modernized flexible repayment systems, Longer operating hours.
- Site: nowpersonalloan.com
- Reviews: 3.8 out of 5
- The staff is friendly, but their rates are high.
- Hours: Monday-Friday 8:00 AM – 8:00 PM, Saturday 9:00 AM – 5:00 PM.
- Address: 653 Pacific Ave, Alameda, CA 94501, United States
- Features: Mobile application and payment extension option.
- Loan Amount: $50-$300
- APR: Up to 459%
- Approval Time: 1 hour
- Loan Duration: Maximum of 31 days.
3. OneMain Financial (1st Entry)
- Services: Cash advance, prepaid debit card, bill payment.
- Features: No bank verification needed, guaranteed approval.
- Rating: 4.2/5
- Website : www.onemainfinancial.com
- Reviews: Counsel is helpful and fast, but their rates are high.
- Hours: Open 7 days a week from 10:00 AM-7:00 PM
- Location: 2651 Blanding Ave f, Alameda, CA 94501, United States
- Features: Check cashing, 24/7 online access.
- Loan Amount: $100-$300
- APR: Up to 420%
- Approval Time: 10 Minutes
- Loan Duration: 14-30 days.
4. Wells Fargo Bank
- Services: Cash advance, title and installment loans.
- Features: Same day funding, AutoPay rewards.
- Rating : 4.1/5
- Website : wellsfargo.com
- Reviews : High approval rate, but their APR is high. They have nice clients’ service.
- Hours: Monday-Friday 9:00AM-7:00PM Saturday 10:00 AM-4:00 PM
- Location: 821 Marina Village Pkwy Alameda, California 94501
- Extra Feature: Customer rewards program.
- Loans: $200-$300.
- Interest Rate: Up to 455%.
- Loan Notification: 30 minutes.
- Duration: 14-30 days.
5. OneMain Financial (2nd Entry)
- Services: Paycheck advances, clearing checks, sending money.
- Characteristics: No credit screening, guaranteed approval.
- Website: onemainfinancial.com
- Score: 3.9/5 stars.
- Feedback: “Straightforward, but costs can be excessive.”
- Operation Schedule: Monday – Saturday 8:30 AM – 6 PM.
- Location: 2651 Blanding Ave Ste F Alameda, California 94501
- Customer Service: Union loan provider services, public document signer.
- Loans: $50-$300.
- Interest Rate: Up to 440%.
- Loan Notification: 20 minutes.
- Duration: 14 days.
6. Provident Credit Union
- Services: Personal Banking Services, Pay-check advances, lending, and tax services.
- Characteristics: Fast, easy application
- Website: providentcu.org
- Score: 3.7/5 stars.
- Feedback: “Convenient service, but very expensive.”
- Operation Schedule: Monday-Friday 10 AM- 8 PM, Saturday 9 AM- 5 PM.
- Address: 2250 S Shore Ctr Unit C Alameda, CA 94501
- Customer Service: Refund advance.
- Loans: $100-$300.
- Interest Rate: Up to 15%
- Loan Notification: 1 hour.
- Duration: 14-31 days.
7. Depot Car Title Loans
- Services Title loans, auto equity loans, auto title loans, cash title loans, boat title loans, and motorcycle title loans, are all included.
- Features: Users can order online and pick up in-store through 24/7 services.
- Website: cartitleloansdepot.com
- Ratings: 4.0/5.
- Reviews: “Trustworthy service but high fees. Useful in acute situations.”
- Working Hours: Everyday from 9AM to 7PM except Sunday, the store is open from 11AM to 6PM.
- Location: 826 Taylor Ave APT 10, Alameda, CA 94501, United States
- Amenities: Buying gold and sending money internationally.
- Loan Amount: $150 – $300.
- APR: Up to 450%.
- Approval Time: 15 minutes.
- Loan Period: 14 days.
8. Fast Payday Loans Alameda
- Services: Offering cash advance and payday loans.
- Features: Many clients receive approval for the loans without paying extra.
- Website: fastpaydayloansca.com
- Ratings: 4.3/5
- Reviews: “The process was too easy! Thanks for saving me!”
- Working Hours: Mon – Fri open 0830 – 1930, closed on Sunday, Saturday open 0900 – 1500.
- Location: 5820, Alameda, CA 94501 Marina Drive.
- Amenities: Support via chat on the website.
- Loan Amount: $100 – $300.
- APR: Up to 440%.
- Approval Time: 10 mins.
- Loan Period: 30 days.
9. Alameda Community Credit Union (ACCU)
- Services: Clients may receive small dollar loans and payday-like alternative loans (PALs).
- Features: Membership is mandatory but comes with lower APR.
- Link: alamedaccu.org
- Virtual Ratings: 4.5/5
- Reviews: “Great payday loan alternative that is cheap and easy on the morality scale.”
- Working Hours: Mon-Fri, 9:00 AM – 5:00 PM.
- Location: 8845 Atlantic Avenue Alameda, CA 94501
- Amenities: Financial counseling, very low fees.
- Loan Amount: $201-$1000
- APR: Up to 28%
- Approval Time: Within 1 business day.
- Loan Period: 1-6 months
10.Bank of Marin
- Services: Cash advances, bill payments, Personal Banking services as well.
- Features: No credit checks, payment reminders.
- Overall Website: bankofmarin.com
- Ratings: 3.5/5
- Reviews: “I mean it was super easy but don’t go diving in head first if you ain’t got to.”
- Working Hours: Mon-Sat 10:00 AM – 6:00 PM
- Location: 2208 S Shore Ctr Alameda, CA 94501
- Amenities: Online application site available.
- Loan Amount: $100-$3000
- Interest Rates: Up to 12%
- Approval Time: 30 minutes.
- Loan Period: 14 days
Note: All APR evidenced follows the spirit of California’s payday loan law. These loans cannot exceed 300 dollars with terms no longer than thirty one days. The PALs offered by the Alameda Community Credit Union are cheaper, but expensive by standard. Make sure to read the fine print before loans are taken.
Eligibility Requirements for Payday Loans in Alameda, California (2025)
Individuals looking for a payday loan in Alameda must meet the following requirements before applying:
- Age Requirement: Minimum age is 18 years old.
- Residency: Must provide proof of California residency documents like a utility bill or lease agreement.
- Employment & Income: Must have a job or receive benefits with income that can be verified by a paystub or bank statement.
- Bank Account: A checking account is usually required for direct deposits and loan payment.
- Identification: Requierd ID includes a driver’s license, state ID, or passport.
- Credit Check: Some lenders might do a soft credit check, while others offer no credit check loans.
Conclusion
Those in need of fast cash can turn to payday loans offered in Alameda, California but, as is the case with most loans, stratospheric interest rates burden borrowers. Evaluate terms carefully and analyze repayment schedules along with APRs before selecting a loan. Investigate other options like credit union payday alternative loans (PALs) or try loans from assistance programs.
Disclaimer
The purpose of this article is for informational use only. This article does not offer financial advice. Ensure you proceed with caution when using payday loans due to their excessive APRs. If considering a loan, make sure you comprehend the repayment conditions and assess other possibilities. Loan terms, rates, and availability may change, so always verify with the lender before applying.
