- Payday loans in Pittsburg 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 Antioch, about 6 miles away.
Pittsburg at a glance
| Pittsburg | |
|---|---|
| Population (2024 Census estimate) | 77,131 |
| Change since 2020 | +1% (growing) |
| County | Contra Costa County |
| Size rank among 480 California places we cover | 114th |
| Nearest larger city | Antioch (about 6 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Contra Costa County | 13 |
| Other towns within 25 miles | 32 (about 2,068,557 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Payday lending in Pittsburg follows California state law. Lenders that serve Pittsburg, in a store or online, must be licensed by the California Department of Financial Protection and Innovation (DFPI).
Credit unions near Pittsburg
No credit union has its main office in Pittsburg, but these are based elsewhere in Contra Costa County (NCUA, June 2026):
- Sun Pacific Federal Credit Union in Richmond (federal charter — may offer payday alternative loans (PALs))
- Shell Western States Federal Credit Union in Martinez (federal charter — may offer payday alternative loans (PALs))
- Mckesson & Healthcare Providers Federal Credit Union in Martinez (federal charter — may offer payday alternative loans (PALs))
- Kaiperm Federal Credit Union in Walnut Creek (federal charter — may offer payday alternative loans (PALs))
- Antioch Community Federal Credit Union in Antioch (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 Pittsburg
The main California rules for a payday loan in Pittsburg: 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 Pittsburg
The Center for Responsible Lending put the typical APR on a $400 payday loan in California at 460% (June 2023). For $300 at the state maximum, expect $45 fee on a $300 check, so you receive $255. Check any offer with our payday loan calculator.
Other help in Contra Costa County before you borrow
- Call or text 211 for help with rent, utilities and food in Contra Costa 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 Pittsburg
The nearest larger city is Antioch, about 6 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 Pittsburg?
Yes. Payday loans are legal in Pittsburg 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 Pittsburg?
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 Pittsburg?
No credit union is headquartered in Pittsburg, but Sun Pacific Federal Credit Union is based in Richmond, also in Contra Costa County.
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