- Payday loans in Fontana follow California law (California Deferred Deposit Transaction Law).
- Borrowing $300 at the state maximum costs $45 fee on a $300 check, so you receive $255.
- 2 credit unions are headquartered in Fontana; ask about small-dollar loans before borrowing.
Fontana at a glance
| Fontana | |
|---|---|
| Population (2024 Census estimate) | 218,455 |
| Change since 2020 | +4.4% (growing) |
| County | San Bernardino County |
| Size rank among 480 California places we cover | 20th |
| Share of California’s population | 0.6% |
| Nearest larger city | San Bernardino (about 10 miles) |
| Credit unions headquartered in town (NCUA) | 2, 2 federal |
| Credit unions headquartered in San Bernardino County | 12 |
| Other towns within 25 miles | 32 (about 3,111,330 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Whether you borrow at a storefront in San Bernardino or online from Fontana, the lender must hold a California license from the California Department of Financial Protection and Innovation (DFPI) and follow state limits.
Credit unions in Fontana
These credit unions have their main office in Fontana, according to NCUA call report data (June 2026):
- Inland Valley Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Fontana Federal Credit Union (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.
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Payday loan rules that apply in Fontana
| Rule | California |
|---|---|
| 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 |
| Rollovers | Not allowed |
What a $300 loan costs in Fontana
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 San Bernardino County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Fontana that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Fontana
- Rialto · 4 mi
- Rancho Cucamonga · 6 mi
- Jurupa Valley · 7 mi
- Colton · 9 mi
- Ontario · 10 mi
- San Bernardino · 10 mi
The nearest larger city is San Bernardino, about 10 miles away. See all 480 California cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Fontana?
Yes. Payday loans are legal in Fontana under California state law, and lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).
How much does a payday loan cost in Fontana?
At California’s maximum fee, borrowing $300 costs $45 fee on a $300 check, so you receive $255. The typical statewide APR was 460% in 2023.
Are there credit unions in Fontana?
Yes. NCUA data lists 2 credit unions with a main office in Fontana, including Inland Valley Federal Credit Union and Fontana Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- California DFPI — Deferred Deposit Transaction Law report
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary