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Home California Bakersfield

Cash Advance in Bakersfield,

Bakersfield is known as "Nashville West" and houses over 400,000 people. It's a significant hub for oil production and agriculture, but financial emergencies can strike its residents.

For individuals facing such challenges, cash advance loans offer a fast solution to tide them over.

To ensure borrower protection, Bakersfield, California, enforces regulations on these loans. Keep reading to learn more about these regulations before starting the loan inquiry process.

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A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Cash Advance Loans Defined

A cash advance loan, also known as a payday loan, is a way to get quick cash until your next paycheck.

This short-term loan is meant for people who need urgent financial help.

To get one, you might need to write a post-dated check or agree to let the lender automatically withdraw the loan amount from your bank account.

Note that repayment typically needs to be made in a single lump sum.

What You Need for a Cash Advance Loan in Bakersfield

Generally, to get a cash advance loan in Bakersfield, borrowers need to provide or meet a few necessary requirements, such as:

  • Valid ID: Driver’s license, passport, etc.
  • Social Security Number (SSN allows lenders to pull your credit report)
  • Personal information and contact: Name, age, address, phone number
  • Proof of income/employment: Pay stubs, bank statements, tax returns
  • Other identification documents: This will depend on the lender

Choosing the Appropriate Loan Type

Cash advances are ideal for smaller expenses, but other loan types are more suitable for greater financial needs.

Determine why you need the loan. Ask yourself, “Is it for an urgent expense, a large purchase, or to consolidate debt?”

Here are several other loan types to consider:

  • Title Loans: These use your car’s title as collateral, but beware of repossession risks.
  • Installment Loans: Great for larger expenses with fixed monthly payments and a longer repayment term.
  • Bad Credit Loans: Designed for lower credit scores but may carry higher interest rates than other types of loans.

How to Get Cash Advance Loans With Third-Party Lenders

If you’re looking for a cash advance loan, the process can be stressful and time-consuming. However, we can help you make it easy and convenient.

  • Skip the hassle: Fill out our secure online form, and we’ll connect you to a network of third-party lenders who will review your request. After pre-approval, you’ll be contacted by a lender with an offer.
  • More than payday loans: Our third-party lenders may also offer installment loans, title loans, and other loan types.
  • Focus on your needs: Our third-party lenders will aim to find the best options with terms that fit your situation.

Are Bad Credit Payday Loans Allowed in Bakersfield?

Yes, bad credit payday loans are allowed in Bakersfield, as they are in many parts of California.

Lenders in Bakersfield often focus on your ability to repay the loan rather than your credit history, making payday loans accessible to individuals with bad credit.

Cash Advance Laws in Bakersfield

In Bakersfield, which is part of California, the following payday loan regulations set by the state apply:

  • Maximum Loan Amount: $300
  • Loan Term Limit: Up to 31 days
  • Finance Charge Limit: 15% per $100 borrowed (460% APR)
  • Rollovers: Not allowed.
  • NSF Fee Limit: Up to $15 for bounced checks
  • Limited Legal Action: No criminal action by lenders (except for fraud)
  • Statute of Limitations: 4 years from last payment

Bakersfield’s payday loans are regulated by the Civil Code 1789.30 et seq. and the Financial Code 23000 et seq. These laws ensure responsible lending practices.


Cash advance loans in Bakersfield can be a fast solution for your emergency financial needs. However, it’s crucial to find a lender with fair terms to avoid being trapped in a debt cycle.

Thinking about a cash advance? Begin the inquiry process by completing our online inquiry form to find the right lender for you!


Learn more about getting cash advance loans in Bakersfield here.

How Many Payday Loans Can You Have?

In Bakersfield, California, you are allowed only one outstanding cash advance at a time.

Why Are Payday Loans So Much Easier to Qualify for Than Traditional Bank Loans?

Payday loans are easier to qualify for because lenders primarily focus on the borrower’s ability to repay the loan rather than your credit history.
This makes this loan type accessible even to individuals with bad credit.

What Are Some Legit Online Payday Loans?

Legit online payday loans should have the following features:
Legally compliant with state and city laws
Flexible repayment terms
Legally-mandated APRs


Bakersfield, CA

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(661) 463-9706

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