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Home California Bakersfield

Cash Advance in Bakersfield, 93309

With a population of over 400,000, the many citizens of Bakersfield earn their cash through different ways.  But when inflation hits, utility bills go up, and rent looms near, some residents may struggle to pay for their expenses. Bakersfield, CA, allows a cash advance or payday loan to aid with these financial woes. Through this guide, you can learn Bakersfield's definitions, limits, and laws about cash advances.

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

Cash Advances: A Definition

A cash advance loan is an accessible short-term loan with high interest rates and fees. Also called a payday loan, it provides a qualified borrower with a lump sum with included interest rates. These loans are useful for citizens who need quick cash. The interest and fees are combined into one percentage called the annual percentage rate, or APR. Before beginning the inquiry process for a Bakersfield cash advance loan, note the following regulations:

  • Maximum Loan Amount: $300
  • APR: 372%
  • Maximum Fee Amount: 15% of the total loan amount
  • Maximum Loan Term: 31 days
  • Fee Limitations: 36% interest cap for active military service members and their families.

Though cash advance loans can get you fast funds, remember to calculate the total cost of repayment, including the APR and other fees, before taking out a loan.

3 Easy Steps To Get a Cash Advance Loan in Bakersfield


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Cash Advance Loan Requirements in Bakersfield

Cash advance lenders typically require borrowers to meet or submit the following documents and age requirements:

  • At least 21 years old
  • Bakersfield resident
  • Valid government-issued ID, like a passport or driver’s license
  • Contact details
  • Proof of income
  • Active checking account
  • Bank account details

How to Determine the Right Loan Type for You

Cash advances are better suited for smaller loan amounts. Check out these different loan types for different purposes:

  • Mortgages: Mortgages use the borrower’s home as collateral, but the borrower risks losing the home if they can’t make payments.
  • Title Loans: In these loans, the borrower uses their vehicle title as collateral.
  • Installment Loans: Installment loans are long-term loans that offer higher borrowing amounts to be repaid in set portions over a term.

To pick the right loan type, ask yourself these questions:

  • Can I repay the loan by the deadline?
  • Is the loan amount enough for my needs?
  • Can my income handle the repayment?
  • Is the loan secured or unsecured?

How to Get Cash Advance Loans With Our Third-Party Lenders

Online cash advances are a quick way to get verified loans, and our trusted service can connect you with experienced third-party lenders that provide just that.

Through their help, you can receive state compliant cash advances.

Begin the inquiry process by filling out our online inquiry form. After pre-approval, you’ll be contacted by a lender with an offer.

Bakersfield Cash Advance Loans With Bad Credit

Borrowers with bad credit can get cash advance loans in Bakersfield, as lenders focus on your ability to repay the loan rather than your credit score.

Bakersfield Cash Advance Laws

The Military Lending Act (MLA) sets a hard interest rate limit of 36% for active military service members and their dependents, making cash advances more affordable for them.

According to the Act, they do not receive early repayment penalties: “A creditor can’t charge a penalty if you pay back part – or all – of the loan early.”


Bakersfield residents can get online cash advance loans for immediate cash needs, thanks to the manageable loan terms and repayment options.

You can start the inquiry process by filling out our simple online inquiry form.


This section will break down common cash advance loan inquiries.

How Many Payday Loans Can You Have at Once?

You can only have one loan at a time in Bakersfield.

Who Does Payday Loans Near Me?

These institutions generally provide payday loans:
Online lenders
Physical lenders
Credit unions

Why Do So Many People Use Payday Loans Despite the Potential Consequences?

People rely on payday loans thanks to their accessibility, bad credit support, and lenient requirements compared to getting loans from banks or credit unions.


Phone number

(661) 475-8670



5103 Stockdale Hwy #1, Bakersfield, CA, 93309


Open hours

Mon – Fri:

9am – 7pm


10am – 4pm





Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

Near Locations

Los Angeles

3535 S Western Ave unit C, Los Angeles, CA

San Diego

3994 30th St ste 104, San Diego, CA

Long Beach

2744 E 4th St ste 111, Long Beach, CA

Looking for a fast loan?

Begin your cash advances journey today!

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