- Payday loans in Tracy 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 Stockton, about 19 miles away.
Tracy at a glance
| Tracy | |
|---|---|
| Population (2024 Census estimate) | 100,136 |
| Change since 2020 | +7% (growing fast) |
| County | San Joaquin County |
| Size rank among 480 California places we cover | 76th |
| Nearest larger city | Stockton (about 19 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in San Joaquin County | 3 |
| Other towns within 25 miles | 10 (about 846,393 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Payday lending in Tracy follows California state law. Lenders that serve Tracy, in a store or online, must be licensed by the California Department of Financial Protection and Innovation (DFPI).
Credit unions near Tracy
No credit union has its main office in Tracy, but these are based elsewhere in San Joaquin County (NCUA, June 2026):
- Golden Valley Federal Credit Union in Manteca (federal charter — may offer payday alternative loans (PALs))
- Mokelumne Federal Credit Union in Lodi (federal charter — may offer payday alternative loans (PALs))
- Central State Credit Union in Stockton (state charter)
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 Tracy
| 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 Tracy
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 San Joaquin County before you borrow
- Call or text 211 for help with rent, utilities and food in San Joaquin 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 Tracy
The nearest larger city is Stockton, about 19 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 Tracy?
Yes. Payday loans are legal in Tracy 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 Tracy?
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 Tracy?
No credit union is headquartered in Tracy, but Golden Valley Federal Credit Union is based in Manteca, also in San Joaquin 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