Compare payday loans in San Francisco | finder.com
san francisco

Compare short-term loans in San Francisco

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

CashNetUSA Loan

For fast cash: CashNetUSA

Get a payday loan, installment loan or line of credit, depending on state availability.

  • Loan Amount: Varies by state
  • Turnaround Time: 1 business day
  • 15% off initial loan fee on payday loans or brokered loans
  • Quick application, no collateral needed
  • Bad credit is OK

    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

    Rates last updated March 26th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    HonestLoans Installment Loans
    Get a flexible installment loan with fast funding through one easy online application form.
    $2,500
    As soon as one business day
    Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    $2,500
    As soon as next business day
    Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.

    Compare up to 4 providers

    What do I need 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

    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

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com 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

    Finder.com 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 finder.com 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.

    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

    Go to site