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Compare short-term loans in San Diego, California

Learn more about your payday loan options and how much it may cost you.


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When you’re struggling to make ends meet and bills are due, it can be frustrating to find yourself still lacking enough money to cover every expense. Payday loans are designed to covered these gaps, but you’ll want to make sure you know the laws in California before you take out a loan in San Diego.

Can I get a payday loan in San Diego?

Yes. All payday loans fall under the California Civil Code 1789.30 and California Financial Code 23000. This means you’re able to apply for a payday loan of up to $300 in the city of San Diego. Loan terms last up to 31 days, but be careful: there is no minimum loan term, so you’ll want to confirm when you’ll need to repay your loan before you agree to borrow.

You can learn all of California’s laws on our page

Must read: How much a payday loan in San Diego might cost you

The deferred deposit transaction fee is limited to a maximum of 15% of the check’s value, up to $45. This means the maximum financing charge for a $300 is $45.

When you apply for a loan, be sure to read over your contract and all the fine print. Financing fees aren’t all a lender can charge you, so confirm the total cost of your loan before you agree to a loan.

Compare these payday loans available in San Diego

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CreditLend connection service
Varies by lender
Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief
Find a line of credit — even if you don't have a perfect score.
Check Into Cash Payday Loan
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Slam Dunk Loans
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

Benefits to taking out a payday loan

  • Easy application process. Whether online or at a store, applications usually take only a few minutes.
  • Get your loan quickly. When you apply online you can get your funds in as little as one business day, and in-person, you can walk out with your loan on the same day as when you’re approved.
  • Bad credit is accepted. Payday lenders rely more on your current financial situation than your past credit mistakes.

Maggie needs extra money for rent

Maggie found out that she needed to pay more for a bill than she expected when her roommate skipped out on her. Because Maggie was still in college, she didn’t have much credit built up and didn’t qualify for a personal loan. With the bill due and monthly living expenses to take care of, she knew she wouldn’t be able to get by without some sort of assistance, so she decided to apply for a payday loan.

The process took very little time, and Maggie was approved for a 14-day loan on the spot. Before Maggie signed anything, the lender made it very clear that there would be a charge of $30 on her $200 loan. Maggie had a payday within the term of the loan, so the lender was able to debit the total amount when it was due. All Maggie had to do was budget for the rest of the month and make sure there was $230 in her account on the due date.

How to apply for a payday loan in San Diego

Before you apply for a payday loan, make sure you meet the following eligibility criteria: be at least 18 years old, a citizen or permanent resident of the US and have a regular source of income.

When you apply, you’ll need to give lenders some information about yourself. This includes your name, Social Security number, your employer and gross monthly income. If you apply online, lenders usually also require you to give access to your bank checking account so it can deposit your loan and debit the payment when it’s due.

Payday loan locations in San Diego, California

Where to get a payday in San Diego

  • Advance America. Clairemont Town Square, 4120 Clairemont Mesa Blvd., Unit 101-C, San Diego, CA 92117
  • Cash Advance San Diego. 1049 Sixth Ave, San Diego, CA 92101
  • Check Into Cash. 5163 Clairemont Mesa Blvd, San Diego, CA 92117
  • Check ‘n Go. 5634 Lake Murray Blvd, La Mesa, CA 91942
  • Checkmate. 9211 Clairemont Mesa Blvd #102, San Diego, CA 92123
  • Fast Auto and Payday Loans, Inc. 6787 El Cajon Blvd, San Diego, CA 92115
  • Payday Money Centers. 4488 Convoy St, San Diego, CA 92111
  • Payday Money Center East San Diego. 4090 El Cajon Blvd, San Diego, CA 92105
  • Speedy Cash. 6686 El Cajon Blvd, San Diego, CA 92115
  • USA Checks Cashed & Payday Advance. 5404 El Cajon Blvd, San Diego, CA 92115

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