Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Compare short-term loans in San Francisco, CA

Find a lender near you, and learn about what you need to apply.

Living in San Francisco is expensive. When you need extra money fast to cover expenses, a short-term loan is sometimes your only option. While you can get money as fast as the same day, consider the high costs and other risks before borrowing.

Can I get a payday loan in San Francisco?

Yes, you can get a payday loan in San Francisco. You can either borrow through an online lender and get your funds as soon as the next day, or you can go to a physical location and pick up your cash in person.

However, California state law puts restrictions on how much you can borrow and how much your lender can charge you. If you’re getting a short-term loan that you intend to pay back with your next paycheck, you can’t borrow more than $300 and must pay it back within 31 days. Your lender also must be licensed and can’t charge you a fee worth more than 15% of your loan’s value.

If you need more than $300 or extra time to pay it back, you might want to consider an installment loan instead. In San Francisco, you can borrow between $300 and $2,500 with terms up to six months and interest rates capped at 36%.

Compare short-term loans available in San Francisco

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
Possible Finance Mobile Installment Loans
Up to $500
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.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
OppLoans Installment Loans
$500 to $5,000
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.
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.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
$500 to $10,000
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.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$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.
Up to $250
Same business day to 2 business days
Have an active checking account
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.

Compare up to 4 providers

Documents needed to apply

While each lender has different requirements, you typically need to provide the following:

  • Proof of income. This can be your most recent pay stub if you’re employed or tax returns and bank statements if you receive other income.
  • Government-issued ID. A driver’s license is the most common, though lenders often accept other forms of ID, like a passport.
  • Bank account information. Your lender might need the account number and routing number to transfer funds directly to your bank account. Other lenders might just ask for proof of a bank account — such as a debit card or personal check.

Some lenders might ask for your Social Security number as well.

Where to find short-term loan locations in San Francisco

Short-term loan locations near me in San Francisco

  • Check `n Go.3001 Mission St, San Francisco, CA 94110
  • Advance America.1450 Fillmore St, San Francisco, CA 94115
  • California Check Cashing Stores.2531 Mission St, San Francisco, CA 94110
  • LendUp – Alternative to Payday Loans.3411 E 12th St #124, Oakland, CA 94601
  • Montana Capital Car Title Loans.650 Polk St, San Francisco, CA 94102
  • Fast Auto and Payday Loans, Inc.19510 Hesperian Blvd, Hayward, CA 94541
  • Check Into Cash.2210-F S Shore Center, Alameda, CA 94501
  • ACE Cash Express. 2038 Mission St, San Francisco, CA 94110
  • California Check Cashing Stores. 9 Kearny St, San Francisco, CA 94108
  • Money Mart. 4919 Mission St, San Francisco, CA 94112

Must read: Be cautious of lenders that don’t display a license

California requires all payday lenders to have a license. This is for your protection — it makes it easier to enforce the law if a lender overcharges you. Licensed online lenders typically have a PDF of their California license available on their website, while storefront lenders are required to publicly display a copy of their license.

If you can’t easily find a lender’s license, it could be a sign that it’s not operating totally by the books. You can check to make sure your lender is licensed by visiting the California Department of Business Oversight website.

Bottom line

San Francisco has several options if you need money fast, though there are limits to how much you can borrow from a payday or installment lender.

If you’re struggling with long-term financial issues, you might want to look into alternative resources instead. Or read our payday loans guide to learn more about how short-term financing works.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site