- Payday loans in Ione 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.
- The nearest larger city is Galt, about 20 miles away.
Ione at a glance
| Ione | |
|---|---|
| Population (2024 Census estimate) | 9,411 |
| Change since 2020 | +5.4% (growing fast) |
| County | Amador County |
| Size rank among 480 California places we cover | 380th |
| Nearest larger city | Galt (about 20 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 8 (about 459,157 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Payday lending in Ione follows California state law. Lenders that serve Ione, in a store or online, must be licensed by the California Department of Financial Protection and Innovation (DFPI).
Credit unions near Ione
NCUA data (June 2026) shows no credit union headquartered in Ione or Amador County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Ione
The main California rules for a payday loan in Ione: 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 Ione
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 Amador County before you borrow
- Call or text 211 for help with rent, utilities and food in Amador County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Ione
The nearest larger city is Galt, about 20 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 Ione?
Yes. Payday loans are legal in Ione 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 Ione?
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.
Where is the nearest credit union to Ione?
NCUA data shows no credit union headquartered in Ione or its county. Use the NCUA credit union locator to find branches and online credit unions.
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