Payday Loans Fontana, CA – Compare Licensed Lenders (2026)

$$300

Max Loan Amount

Active Lenders

15 min

Approval Time

$208K

Population

Fontana, California, located in the bustling state of California, is home to a diverse population of 208,393 residents. The city thrives on a variety of industries, reflecting its vibrant economic landscape. With an average income of $58,000 and a cost of living that's 3% below the national average, residents enjoy a slightly more affordable lifestyle compared to many other regions. However, unexpected expenses can arise, and for many, payday loans can offer a quick financial solution. Access to such loans in Fontana is essential for managing urgent financial needs, especially when traditional lending options may not be readily available.

About Fontana

Main Industries

$diverse industries

Avg Income

$$58,000

Cost of Living

$$-3% vs national avg

California Payday Loan Regulations

Max Loan Amount:$300

Max Term:31 days

Typical APR:460% (15% max fee)

Finance Charge:$45 maximum (15% of principal)

Regulatory Body:Department of Financial Protection and Innovation (DFPI)

Payday loans in California are capped at $300 with a maximum 15% fee ($45). Lenders must be licensed by DFPI.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Where to Find Payday Loans in Fontana

In Fontana, the payday lending landscape is quite unique as there are currently no active storefront lenders specifically serving the city. This means residents primarily rely on online payday loan services to meet their short-term financial needs. Although the convenience of online applications is beneficial, it's essential to be aware of the terms and regulations governing payday loans in California. With a maximum loan amount of $300 and an APR of 460%, online lenders remain the primary option for those seeking payday loans in Fontana.

Compare Lenders in Fontana

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Fontana

Calculation

Loan Amount: $$500

Term: $14 days

APR: $460%

Fee: $$75

Total Repayment: $$575

Effective APR: $391.1%

⚠️ Important Notes

✓ For Fontana residents earning $$58,000, this payment is 1.19%
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Fontana

✅ Advantages

✓ Process 100% online
✓ Decision in 15 min
✓ Available for Fontana residents
✓ No collateral
✓ Early repayment OK

❌ Disadvantages

✗ Higher APR than banks
✗ Limited to online lenders
✗ Credit check required

💡 Expert Recommendation for Fontana Residents

Rostislav Sikora, a loan expert, suggests considering short-term payday loans for urgent needs in Fontana, given its lower cost of living compared to the national average. It's crucial to understand that the high APR can translate to significant costs. Before signing, compare APR and ensure payment doesn't exceed 35% of monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Fontana, CA

How do I get a payday loan in Fontana, CA?

To obtain a payday loan in Fontana, you can apply online with various lenders offering services in California.

What's the max I can borrow in Fontana?

In Fontana, the maximum amount you can borrow from a payday lender is $300 as per California regulations.

Can I get approved with bad credit in Fontana?

Yes, many payday lenders in Fontana do not require a perfect credit score and may approve loans for those with bad credit.

Are there storefronts in Fontana or is it online only?

Currently, there are no storefront payday lenders in Fontana, so all services are offered online.

How fast can I get money in Fontana?

Once approved, you can typically receive your payday loan funds within one business day.

Is it legal to get payday loans in Fontana, CA?

Yes, payday loans are legal in Fontana, CA, but are subject to state regulations like a 15% fee cap.

What is the APR for payday loans in Fontana?

The APR for payday loans in Fontana can be as high as 460%.

Can I repay my loan early in Fontana?

Yes, most payday lenders allow early repayment without penalties.

What documents do I need to apply for a payday loan in Fontana?

You'll typically need identification, proof of income, and a checking account to apply for a payday loan.

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Fontana, CA and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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