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Best Payday Lenders in Bakersfield, CA

July 8, 2019, 2:33 p.m.

Over 10 million consumers took out payday loans in California in 2017 to help cover expenses until their next paycheck. If alternative borrowing options are unavailable and you’ve decided to take out this type of short-term, high-interest loan, it’s important to choose a properly licensed lender that has transparent rates, terms and conditions. Our partners at ConsumerAffairs researched the best payday loans in Bakersfield to help you get cash in hand quickly.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 23 ABC may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Speedy Cash

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Speedy Cash
Speedy Cash
Features
  • Loans from $50 to $26,000
  • No prepayment penalties
  • Apply online, over the phone or in person
  • Available in Bakersfield
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#2
CashNetUSA
CashNetUSA
Features
  • Receive an immediate decision
  • Loans up to $500
  • 3 million customers helped
  • Available in Bakersfield
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#3
Check Into Cash
Check Into Cash
Features
  • 3 Bakersfield locations
  • 25 years in business
  • Get money immediately
  • Online services available
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Location
2621 Oswell St., Ste. 109
Bakersfield, CA 93306
(661) 872-9726
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#4
Advance America
Advance America
Features
  • Get same-day cash
  • Apply online or in-store
  • Multiple Bakersfield locations
  • Perfect credit not necessary
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Location
5410 Stockdale Hwy., Ste. B
Bakersfield, CA 93309
(661) 859-1216
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Cash 1
Cash 1
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Closed Sun
  • ccfi.com/cash1today
Location
3631 California Ave., Ste. D
Bakersfield, CA 93309
(661) 633-2274
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Check 'n Go
Check 'n Go
Features
  • M-Th: 10:30am - 6pm
  • F: F: 10:30am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • checkngo.com
Location
2080 White Ln.
Bakersfield, CA 93304
(661) 396-7900
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ACE Cash Express
ACE Cash Express
Features
  • M-Th: 9am - 7pm
  • F: 9am - 8pm
  • Sat: 9am - 6pm
  • Closed Sun
  • acecashexpress.com
Location
2707 S. H St.
Bakersfield, CA 93304
(661) 837-9932
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Money Mart
Money Mart
Features
  • M-F: 8am - 9pm
  • Sat: 8am - 8pm
  • Sun: 10am - 4pm
  • moneymart.com
Location
2011 Union Ave.
Bakersfield, CA 93305
(661) 324-2284
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How to get a payday loan in Bakersfield

Bakersfield skyline

Because they are fast, easy and don’t require good credit scores, payday loans are a popular way to deal with a financial emergency. Residents of California borrowed close to $3 billion from payday lenders in 2017, according to the Department of Business Oversight.

Before getting a payday loan, however, you should first consider other options with lower borrowing costs and less risk. You may, for example, be able to work out an extension with a creditor, get an advance from an employer, take out a loan from a credit union or bank or borrow from a relative or friend.

If none of these are possibilities and you decide to borrow from a payday lender, it’s important you understand how the process works and the relevant laws in California.

To enter into a payday loan agreement, you will write the lender a personal check for the amount of money you wish to borrow. In California, the maximum amount you can borrow is $300. The lender then will give you cash, minus a fee. The maximum fee is 15 percent of the check, so for a $300 payday loan, you could be charged as much as $45, effectively leaving you with $255. At the end of the loan term — no more than 31 days later — the lender can deposit your check.

Depending on the company, you can apply for a payday loan in Bakersfield over the phone, online or in person. Be prepared to show the following:

  • Government-issued photo ID
  • Proof of an open and active checking account, like a bank statement
  • Most recent pay stub
  • Valid Social Security number or Individual Taxpayer Identification Number
  • Valid and active phone number

Before you get a payday loan in Bakersfield, the lender is required to disclose the full fee amount (in both dollars and as an annual percentage rate), payment obligations and the charge for returned checks ($15 maximum). Lenders can’t accept collateral or require consumers to buy any product in exchange for a payday loan.

California payday loan laws prohibit lenders from prosecuting or threatening to prosecute any borrower to collect on a loan. If you have any questions about whether a lender is licensed to issue you a payday loan, you can check the state database.

Speedy Cash

Speedy Cash VISIT WEBSITE

Bakersfield residents can apply for a payday loan online or by phone from Speedy Cash, which has been in business since 1997, and get cash as soon as the next business day. Customers’ personal information is always secure, and customer service is available seven days per week. Reviewers in California like Speedy Cash’s fast application process, friendly service and hassle-free payday loans.

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CashNetUSA

CashNetUSA VISIT WEBSITE

CashNetUSA, founded in 2004, offers online payday loans to Bakersfield residents. Borrowers can apply online in minutes, get an immediate decision and receive funds on the same business day. An in-house customer service team is available seven days per week to answer any questions. Customers also get access to a savings program and financial education courses. Reviewers say they enjoyed excellent customer service and were impressed with how quickly money was transferred.

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Check Into Cash

Check Into Cash

Customers can apply online for a payday loan from Check Into Cash and get funds by the next business day, or they can visit one of the multiple locations in Bakersfield and walk out with cash on the same day. Check Into Cash prides itself on providing a hassle-free approach to borrowing and has served millions of customers since opening in 1993. Customers say staff is friendly and helpful at all Bakersfield branches.

Advance America

Advance America

Advance America, with several locations in Bakersfield, gives borrowers options to apply online or in person. Same-day cash is available. Customers choose the company because of its clear rates and fees, privacy and security guarantees and low credit requirements. Bakersfield reviewers have found staff to be patient and helpful with the application process.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.