Payday Loans in Woodland, CA: Rates, Rules & Calculator

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Payday lending Permitted under the California Deferred… California Legislature — Financial Code § 23035 (and § 23036)

Rate cap 7% per annum default California Legislature — California Constitution, Article XV, § 1

Licensing Finance lender/broker license required from… California Legislature — Financial Code § 22100

Regulator California Department of Financial Protection… California Legislature — Financial Code § 23001

By the Paydayloaning Editorial Team · Last updated 2026-09-16

Payday lending in California

Permitted under the California Deferred Deposit Transaction Law

Full California lending rules

The local picture

Payday loan rules that apply in Woodland

Every figure below is published by the state or the regulator that sets it, with a link to the primary source. These rules apply to any lender serving Woodland — California's fee cap is not adjusted city by city.

Rule	Detail	Source
Maximum legal interest rate (usury cap)	7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans Source quote Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum".	California Legislature — California Constitution, Article XV, § 1 as of 2026-09-16
Payday lending status	Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source quote Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036).	California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16
Small-loan / installment lender licensing	Finance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law) Source quote Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner".	California Legislature — Financial Code § 22100 as of 2026-09-16
State lending regulator	California Department of Financial Protection and Innovation (DFPI) Source quote Source says: "“Department” means the Department of Financial Protection and Innovation".	California Legislature — Financial Code § 23001 as of 2026-09-16
36% rate cap on mid-size consumer loans (AB 539)	Consumer loans of $2,500 to under $10,000: cap of 36% per annum simple interest plus the Federal Funds Rate Source quote Source says: "charges at a rate not exceeding an annual simple interest rate of 36 percent per annum plus the Federal Funds Rate".	California Legislature — Financial Code § 22304.5 as of 2026-09-16

What a payday loan costs in Woodland

The number that matters is not the fee on the day you borrow — it is the total you repay if the loan is renewed. A rollover adds a fresh fee without reducing what you borrowed, which is how a two-week advance turns into months of payments. Some states cap the number of renewals; whether California does is in the sourced table above. If you cannot clear the balance on the due date, ask the lender for a written repayment plan before you renew. How rollovers compound.

Cheaper alternatives in Woodland

If you are a credit-union member, ask about a payday alternative loan (PAL). Federal credit unions can offer small loans at a capped APR with a longer repayment window than a payday advance, and the application usually costs less. If you are not a member, joining a local credit union is often quick and is one of the cheapest ways to borrow a few hundred dollars. How PALs work.

About Woodland

Population: 61,123 (US Census Bureau, Vintage 2023 subcounty estimate).
Size in California: the 144th-largest of 482 Census places in the state.
Population trend: Its population grew about 0.1% between the 2020 Census base and the 2023 estimate.
Nearest larger cities: Davis, CA (8 mi); Sacramento, CA (17 mi); Roseville, CA (24 mi). Bigger markets often have more lenders, but a lender licensed in California serves Woodland under the same state rules.

Before you borrow in Woodland

Confirm payday lending is permitted in California and check the maximum fee in the table above.
Compare the APR, not the dollar fee — that is the only way to compare a two-week loan with a two-year one.
Run the numbers with our loan payment calculator to price the same amount as an installment loan.
Verify the lender is licensed in California with the regulator listed above.
Never give a lender remote access to your bank account beyond the amount you actually owe, and ask for any repayment plan in writing.

Frequently asked questions

Can I get a payday loan in Woodland?

Only if payday lending is permitted in California. Payday lending is regulated state by state, so whether a licensed lender may offer one in Woodland depends on California law rather than on any local ordinance. See the sourced figure on our California lending reference page.

How much can I borrow with a payday loan in Woodland?

State law sets the maximum advance, and many states cap payday loans at a few hundred dollars. The sourced limit for California is listed with its publisher on our state reference page, so you can see the current figure rather than an estimate.

How much does a payday loan cost in Woodland?

Lenders charge a fee per $100 borrowed rather than a monthly interest rate, and California law sets the maximum fee. Because the term is only a couple of weeks, that fee produces a very high APR. Our state reference page lists the sourced fee cap, and our APR calculator shows the math.

Will a payday loan in Woodland hurt my credit?

Many payday lenders do not report on-time payments to the major credit bureaus, so a payday loan usually will not build your credit. An unpaid balance that is sent to collections can still be reported and damage your score, which is why the repayment plan matters more than the application.

Nearby places

All California cities

Nearest Census places by distance.

Payday loans in Woodland, CA