Stockton, CA · West · Allowed
Payday loans in Stockton
Stockton 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 Stockton
307,072 residents · San Joaquin County Median household income is $44,797 — below the California median of $68,111.
10 storefront locations of 8 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 | 1664 E March Ln Suite 1, 95210 | (209) 474-7280 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 4663 Pacific Ave, 95207 | (209) 477-9844 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 1821 E Hammer Ln, 95210 | (209) 478-1347 | Mon 10:00 AM - 6:00 PM · hours vary |
| Fast Auto & Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6264 Pacific Ave, 95207 | (209) 952-5915 | Mon 10:00 AM - 7:00 PM · hours vary |
| King Cash Advance Check Cashing/Pay-day Loans | 3538 Manthey Rd Ste B, 95206 | (209) 982-9899 | Mon 10:00 AM - 7:00 PM · hours vary |
| Lendmark Financial Services Business Financing, Installment Loans, Auto Loan Providers | 3421 Brookside Rd Ste C, 95219 | (209) 951-7100 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| National Payment Processing Business Financing, Installment Loans | 2389 W March Ln Ste 200, 95207 | (800) 909-2124 | Mon–Fri 7:30 AM - 4:30 PM · Sat–Sun Closed |
| OneMain Financial Installment Loans | 4719 Quail Lakes Dr Ste B, 95207 | (209) 473-1667 | Mon 8:30 AM - 5:30 PM · hours vary |
| Oportun Installment Loans | 1409 S Airport Way Rancho San Miguel Market, 95206 | (209) 263-0792 | Mon 9:00 AM - 7:00 PM · hours vary |
| Oportun Installment Loans | 678 N Wilson Way, 95204 | (209) 263-0808 | Mon 11:00 AM - 6:30 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 Stockton
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 Stockton 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 Stockton
Are payday loans legal in Stockton, CA?
Yes. Storefront payday lending is permitted across California, and Stockton 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 Stockton?
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 Stockton?
10 storefronts are listed in Stockton in our 2022-02-20 directory snapshot (8 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Stockton?
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.