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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.

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Compare Top Payday and Title Loans

Speedy Cash
Overall satisfaction rating
  • Immediate decision
  • Direct lender
  • Online advances
  • Express loans

Apply online

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

Online lender offering payday loans, installment loans, and line of credit products. Can lend up to $800 with loan terms anywhere between 8 and 31 days. Borrowers apply online and receive an instant lending decision.

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

Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

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


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.

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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