Payday Loans in Avalon, CA: Rules, Costs and Local Options

Avalon at a glance

There is no separate Avalon payday law: California rules apply here, and any lender serving Avalon residents, online or in person, needs a license from the California Department of Financial Protection and Innovation (DFPI).

Credit unions near Avalon

No credit union has its main office in Avalon, but these are based elsewhere in Los Angeles County (NCUA, June 2026):

• Pasadena Federal Credit Union in Monrovia (federal charter — may offer payday alternative loans (PALs))
• Olive View Employees Federal Credit Union in Sylmar (federal charter — may offer payday alternative loans (PALs))
• Farmers Insurance Federal Credit Union in Los Angeles (federal charter — may offer payday alternative loans (PALs))
• Rancho Federal Credit Union in Downey (federal charter — may offer payday alternative loans (PALs))
• Los Angeles Federal Credit Union in Glendale (federal charter — may offer payday alternative loans (PALs))

Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.

Payday loan rules that apply in Avalon

In short, California rules that cover Avalon include: maximum check: $300 (so the most you can receive is $255); maximum fee: 15% of the check amount ($45 on $300); loan term: up to 31 days. See the full California payday loan rules.

What a $300 loan costs in Avalon

At California’s maximum fee, borrowing $300 costs $45 fee on a $300 check, so you receive $255. Statewide, the typical APR on a $400 payday loan was 460% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.

Other help in Los Angeles County before you borrow

Before a payday loan, Avalon residents can usually find something cheaper:

1. Local assistance through 211 covering Los Angeles County.
2. A credit union payday alternative loan (max 28% APR). See PALs explained.
3. Your bank’s small-dollar loan, if offered (compare banks).
4. A cash advance app for $20–$500 (apps compared).

Towns near Avalon

• Rancho Palos Verdes · 27 mi
• Rolling Hills · 29 mi
• Rolling Hills Estates · 30 mi
• Newport Beach · 30 mi
• Palos Verdes Estates · 30 mi
• Huntington Beach · 30 mi

The nearest larger city is Rancho Palos Verdes, about 27 miles away. See all 480 California cities.

Frequently asked questions