1. Home
  2. San Diego Payday Loans

Find the Best Payday Lenders in San Diego, CA

If an unexpected expense hits before your next paycheck, a payday loan can get you emergency cash on short notice. When choosing a payday lender, verify the lender license. Also consider interest rates, repayment terms and returned check fees. We researched the best payday loans in San Diego to help you decide if this option is right for you.

Take a Quiz

Get matched with an Accredited Partner

    Compare Top Payday and Title Loans

    #1 OUR FAVORITE
    Speedy Cash
    Overall satisfaction rating
    • Immediate decision
    • Direct lender
    • Online advances
    • Express loans

    Apply online

    Learn More Read More
    #2
    CashNetUSA
    Overall satisfaction rating
    • Financial education
    • Loans up to $255
    • Installment loans
    • Savings programs

    CashNetUSA is a payday lender that offers loans to consumers in the United States. It is a part of Enova International, Inc., a publicly-traded company in the financial sector.

    Read More
    USA Checks Cashed
    • Installment loans
    • Check cashing
    • Interest-free first loan
    • Title loans
    Location
    449 Broadway
    San Diego, CA 92101
    (619) 702-7112
    Fast Auto & Payday Loans
    • Car title loans
    • Payday loans
    • Installment loans offered
    • Rates & terms online
    Location
    3760 Gaines St.
    San Diego, CA 92110
    (619) 858-0940
    Checkmate
    • M-Th: 9am - 7pm
    • F: 9am - 8pm
    • Sat: 9am - 4pm
    • Sun: 10am - 4pm
    Location
    9211 Clairemont Mesa Blvd., Ste. 102
    San Diego, CA 92123
    (858) 277-1000
    Payday Money Centers
    • M-Th: 9am - 7pm
    • F: 9am - 8pm
    • Sat: 9am - 6pm
    • Closed Sun
    Location
    910 Grand Ave., Ste. 107
    San Diego, CA 92109
    (858) 274-5709
    America Loans
    • M-Sat: 8am - 10pm
    • Closed Sun
    • americaloans.org
    Location
    2021 India St.
    San Diego, CA 92101
    (619) 800-5158
    Cash Plus
    • M-F: 10am - 7pm
    • Sat: 10am - 4pm
    • Closed Sun
    • cashplusinc.com
    Location
    3007 Clairemont Dr.
    San Diego, CA 92117
    (619) 275-7587
    The Check Cashing Place
    • M-Th: 9am - 7pm
    • F: 8am - 8pm
    • Sat: 9am - 6pm
    • thecheckcashingplaceinc.com
    Location
    3553 National Ave.
    San Diego, CA 92113
    (619) 232-4406
    Sun Cash
    • M-F: 9am - 6pm
    • Sat: 9am - 12pm
    • caliloancenters.com
    Location
    5419 El Cajon Blvd.
    San Diego, CA 92115
    (619) 457-6539
    Money Tree
    • M-Sat: 9am - 7pm
    • Sun: 10am - 7pm
    • caliloancenters.com
    Location
    3331 Palm Ave.
    San Diego, CA 92154
    (619) 423-6669

    How to get a payday loan in San Diego

    San Diego skyline

    Payday loans offer the advantage of a faster application process and payout than traditional loans. There is less paperwork to complete, and in some cases cash is available the same day. Payday loans do not require collateral. You can use the cash for whatever you need, whereas some other types of loans must be used for a specific purpose.

    Payday loans are legal up to $300 in California. The Department of Business Oversight provides information on the laws. Lenders can charge a maximum fee of 15 percent of the total. Lenders cannot charge more than $15 for a returned check, and a payday loan cannot exceed 31 days.

    You can get a payday loan in San Diego with bad credit as long as you prove that you can pay back the loan in the time allotted, for example, by showing proof of employment. Some lenders do not perform credit checks.

    California law prohibits prosecution, so you will not go to jail for not paying back a payday loan. However, lenders can take action by sending your unpaid loan to a collections agency.

    Typical requirements for payday loans in San Diego include:

    • At least 18 years of age
    • Proof of income/employment
    • Active bank account
    • Valid ID
    • Social security number
    • Active email address and/or phone number

    Payday lender rates are generally in line with the maximum amount allowed. On a $300 loan amount, the maximum fee a lender can charge is $45 (that means cash in hand will be $255). Low-interest rate payday loans charge slightly less than the maximum amount. Online payday loans allow applicants to send documents electronically and can be a convenient option for busy San Diegans.

    Alternatives to payday loans in San Diego

    Before taking out a loan on your paycheck, consider some payday loan alternatives. Family or friends might be able to loan you money. If you can put aside even a small portion of your paycheck each month in a dedicated savings account, this can add up to an emergency fund.

    If you are a member of a credit union, ask about payday alternative loans (PALs) in amounts of $200 to $1,000. A credit card cash advance might be another option that will cost less than a payday loan if you can pay it off before interest accrues.

    San Diego Payday Loans Reviews

    Speedy Cash

    Speedy Cash offers online and in-store payday loans at a branch near San Diego State University. Reviewers note the convenience of submitting documents digitally and the friendly service, though the location gets busy and wait times can be long.

    Speedy Cash Learn More

    CashNetUSA

    CashNetUSA offers online payday loans in California. They also offer free online financial education for their customers. One San Diego repeat customer reported a negative experience with payment due date while others found the customer service representatives to be very helpful.

    CashNetUSA

    USA Checks Cashed

    First-time customers will certainly appreciate that their first payday loan with USA Checks Cashed is interest-free. With nine branches in the San Diego area, borrowers who prefer in-person service will most likely find a convenient location. Some reviewers got five-star customer service at the downtown office and appreciated the fast service at the Mira Mesa location, but noted that payments cannot be online.

    USA Checks Cashed

    Fast Auto & Payday Loans

    Fast Auto & Payday Loans makes in-person payday loans at more than a dozen San Diego County branches. San Diego reviewers consistently had great customer service from friendly associates. With “fast” in the name, this company claims it can get you cash in just 30 minutes.

    Fast Auto & Payday Loans