Fresno, CA · West · Allowed
Payday loans in Fresno
Fresno is governed by California's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in California. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Fresno
522,053 residents · Fresno County Median household income is $41,531 — below the California median of $68,111.
17 storefront locations of 7 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 785 E Shaw Ave, 93710 | (559) 221-5545 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3241 W Shaw Ave, 93711 | (559) 225-8400 | Mon 9:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2425 E Mckinley Ave, 93703 | (559) 495-6598 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 432 E Bullard Ave, 93710 | (559) 438-8881 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4796 E Kings Canyon Rd, 93702 | (559) 454-5858 | Mon 9:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3760 W Shields Ave Ste 101, 93722 | (559) 271-9820 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 4195 E Belmont Ave, 93702 | (559) 266-1848 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5650 103 E Kings Canyon Rd, 93727 | (559) 252-0649 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 4067 W Clinton Ave, 93722 | (559) 271-1461 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5054 N Blackstone Ave Ste 102, 93710 | (559) 227-5041 | Mon 10:00 AM - 6:00 PM · hours vary |
| Capital Loan Agency Installment Loans | 7110 N Palm Ave Ste 106, 93711 | (209) 306-0390 | Mon 6:00 AM - 7:00 PM · hours vary |
| Fast Auto and Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2020 W Shaw Ave, 93711 | (559) 272-0935 | Mon 10:00 AM - 7:00 PM · hours vary |
| Fast Payday and Installment Loans Title Loans, Check Cashing/Pay-day Loans | 4920 E Kings Canyon Rd, 93727 | (855) 694-8292 | 8:00 AM - 8:00 PM daily |
| Lendmark Financial Services Installment Loans | 3140 W Shaw Ave Winepress Shopping Ctr, 93711 | (559) 274-1752 | Hours not listed |
| Oportun Installment Loans | 3850 N Cedar Ave Vallarta, 93726 | (559) 201-6371 | Mon 11:00 AM - 7:00 PM · hours vary |
| Oportun Installment Loans | 3190 E Tulare St, 93702 | (559) 201-6369 | Mon–Fri 11:00 AM - 7:00 PM · Sat–Sun 10:00 AM - 6:00 PM |
| Oportun Installment Loans | 4817 E Butler Ave, 93727 | (559) 827-4687 | Mon 11:00 AM - 7:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the California page before visiting. Spot an error? Report it.
The online route in Fresno
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in California follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the California regulator.
The rules behind the numbers
A payday loan is not intended for long-term financial needs. You cannot be prosecuted or threatened with prosecution in a criminal proceeding for a returned check.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 460% APR. Every compliant lender in Fresno has to fit inside that schedule.
Statute: Cal. Fin. Code § 23000 et seq.
Regulator: California Department of Financial Protection and Innovation · dfpi.ca.gov
Questions people ask in Fresno
Are payday loans legal in Fresno, CA?
Yes. Storefront payday lending is permitted across California, and Fresno runs under the same state rules: maximum loan $300, fees capped at 15% of face value ($17.65 per $100 advanced). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Fresno?
The same as anywhere in California: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Fresno?
17 storefronts are listed in Fresno in our 2022-02-20 directory snapshot (7 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Fresno?
Complaints about a lender go to the California Department of Financial Protection and Innovation (dfpi.ca.gov) — keep the loan agreement and every fee disclosure you were given.