Payday Loans in Vacaville, California

Online payday loans in Vacaville are available to obtain today! You can borrow from $100 to $255 with an almost instant approval decision. If you apply before 10:30 AM, you may get the money in California on the same day. A bad credit score is OK!

How to Get a Payday Loan Online in 3 Steps

Magnolia Payday Loans makes it easy to get a quick payday loan for bad credit borrowers. Follow these simple steps:

  1. Submit an Online Application Form. It’s secure — we use 256-bit Encryption technology.
  2. Get an Approval Decision. You will receive the pre-qualification result in minutes. If you’re qualified, carefully read and sign the loan agreement to proceed next.
  3. Get Your Cash. A direct lender will send the funds right into your bank account within one business day (or on the same day if you apply before noon).

Check Your Eligibility for a Payday Loan in Vacaville, CA

Magnolia Payday Loans has simple eligibility criteria for Vacaville citizens:

  • At least 18 years old;
  • Be a legal Vacaville resident;
  • Provide basic personal information: your contact number, email address, photo ID or driver’s license, Social Security Number (or alien registration number or ITIN);
  • Possess a valid, active checking account;
  • Monthly income of $1,000 or more. Be ready to show us recent pay stubs or bank statements as proof of your income.

Magnolia Payday Loans in Vacaville and Nearby Towns

Magnolia Payday Loans connects you with a network of licensed and reliable direct lenders who legally operate in Vacaville, California. You can get up to $255 almost instantly with no hard credit check.

Are you not in Vacaville right now? Residents of Fairfield, Dixon, Winters, Hartley, Allendale, and Elmira are also welcome to visit our store or apply online.

Payday Loan Alternatives for Vacaville, CA Residents

Do you feel that a payday loan isn’t your solution? There are several alternatives, but keep in mind that their eligibility criteria may be different:

Installment Loans

Installment loans have fixed interest rates and are repaid in regular monthly payments. They have stricter credit score requirements and allow you to get up to $5,000 for up to 2 years.

Title Loans

Title loans belong to the “secured loans” category and allow you to get a loan amount of up to 50% of the provided vehicle’s price. They usually have a short lifespan and are considered risky.

Cash Advance Apps

Cash applications can provide you with a very small amount of money at a fixed price. These apps may have a huge overpayment, so use them as the last resort option. You may also find interest-free projects that rely on membership fees and voluntary donations.

Get Funded in Vacaville Today!


  1. What Is a Payday Loan?
    A payday loan is a short-term loan that helps you cover small, urgent expenses until your next payday. The maximum repayment period is 31 days, and the funds are deposited straight into your checking account.

  2. Can I Get More Than $255 in Vacaville?
    California laws restrict you from getting a payday loan for more than $255 after taxes and fees. Magnolia Payday Loans complies with state laws and strongly advises you to avoid predatory lenders who promise a payday loan in Vacaville for more than $255.

  3. What Are Rates and Terms for a Payday Loan in Vacaville, California?
    The maximum loan amount in Vacaville, California, is $300, including taxes and fees. A $300 payday loan costs $45 (the APR is based on the loan term and ranges between 214% and 460%), which allows you to get only $255 in cash. The maximum loan term is 31 days. Criminal prosecution in case of default is prohibited.

  4. Are There Any Cooling-offs or Rollovers Allowed for Vacaville Payday Loans?
    Customers in California are prohibited from engaging in a new deferred deposit transaction within one business day after concluding a previous one. Rollovers are prohibited.

  5. I’m Not in Vacaville. Can I Get a Loan with Magnolia Payday Loans?
    Sure, you can! Magnolia Payday Loans operate in many towns and states — check our shops under “OUR LOCATIONS” section. Also, you can always apply online without a personal visit.