Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Santa Cruz, CA
9 branches of 8 FDIC-insured banks operate in Santa Cruz. Data: FDIC BankFind, as of June 30, 2026. There are also 1 payday, installment and title loan stores of 1 chains in Santa Cruz — about 9.0 bank branches for every loan store.
- Bank branches
- 9
- Payday & loan stores
- 1
- Banks
- 8
- Loan store chains
- 1
- Bank branches per 100k
- 9.0
- Loan stores per 100k
- 1.0
Payday and installment loan stores in Santa Cruz
Addresses and phone numbers of storefront lenders in Santa Cruz. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 101 Cooper St Office 204 Santa Cruz, CA 95060 | (805) 756-5176 | — | 5.0 |
Bank branches in Santa Cruz
| Address | Branch | Type |
|---|---|---|
| 1237 Soquel Ave Santa Cruz, CA 95062 | East Santa Cruz Branch | Full service |
| 25 River St Santa Cruz, CA 95060 | Santa Cruz Main Branch | Full service |
| 1551 Pacific Ave Santa Cruz, CA 95060 | Santa Cruz Branch | Full service |
| 104 River St Santa Cruz, CA 95060 | Santa Cruz Main Branch | Full service |
| 730 Ocean St Santa Cruz, CA 95060 | Santa Cruz Branch | Full service |
| 720 Front St Santa Cruz, CA 95060 | Santa Cruz Branch | Full service |
| 110 Morrissey Blvd Santa Cruz, CA 95062 | Santa Cruz Branch | Full service |
| 74 River St Santa Cruz, CA 95060 | Santa Cruz Branch | Full service |
| 75 River St Santa Cruz, CA 95060 | West Coast Community Bank Main office | Full service |
More about Santa Cruz
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.