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San Diego, CA
Payday Loans are legal* in California.
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19 Local Stores
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8 Companies
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1180 Reviews
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YES Online Loans

San Diego, CA Payday Loan Lenders

19 local stores from 8 companies located in San Diego, CA

San Diego General

San Diego one of California’s largest cities (only second to Los Angeles) and the eighth largest one in the United States. Situated in a year-round climate and scenic coastal area, it has become an attraction for a variety of businesses, including mortgage and payday loan lenders. These have taken up quite a niche in the city’s and county’s market. Most likely, that would be because there is a good share of small- and middle-income population, who usually address such firms. In many ways, payday lenders have attracted clientele by offering an opportunity to apply for a loan online and get cash almost immediately.

There are a number of payday loan firms in San Diego, which operate on a legal basis and strictly abide by the law, which regulates this kind of activity. There was a time when these firms were spawning and lack of control would result in many citizens falling into the debt pit and facing collection abuse. The current legislation has imposed some limits on payday lenders. The most reputed lenders in San Diego are: USA Checks Cashed, Checkmate, Fast Auto and Payday Loans, America Loans, Sun Cash, The Check Cashing Place, etc.

How are Payday Loans Regulated in California?

The loan cap in San Diego and the rest of California is $300 with an APR not exceeding %460. The loan period is 31 days, charges should not exceed 15% per $100. Any and all transactions between a lender and a borrower should be stipulated by an agreement, which should specify loan size, loan period, APR, and other information pertaining to the deal. Lenders are not allowed to take any abusive actions against borrowers, who fail to pay on due dates. To avoid the vicious circle, the law prohibits rollovers and does not allow lenders to grant loans to customers, who have not repaid yet or who are still indebted. Granting loans online is allowed, but the procedure should be controlled.

How It Started

San Diego’s economy exploded in the late 1800s through early 1990s, fueled by land speculation and railroad construction and finally shaped by the military sector pretty much boosted by the Spanish-American War. Favorable weather conditions and geographic location made it an attraction for navy and aviators. The two world wars, the construction of the Panama Canal predetermined the city’s fate of being a major military, commercial and transportation hub. Today, these areas have been supplemented by tourism, real estate, high-tech, and the banking industry. The latter laid the ground for the now thriving payday lending market.

Demographic and Social Makeup

As of now, San Diego boasts a municipal population of 1,419,520 people; the urban area counts 3, 210,310 people. The racial composition seems to reflect the general trend observed across the nation: the white population is decreasing relative to Hispanic and Asian. Since 1990 until 2010, it was down by around 20%. Last estimates say that there are 64.7% of whites, 30% of Hispanic/Latinos, 16.8% of Asians and 6.4% of African Americans. The city’s rapidly growing economy attracts people from around the world, putting San Diego on the list of the fastest-growing cities in the USA.

The population appears to be younger than in some other places in California: the median age is 34.3 y/o; 67.6% of people are economically active, the unemployment rate is 7%. Family dual income is $54.200.

Homeownership is 46.8%, and it appears to be more affordable for married couples than for individuals, regardless of sex. Median home value is $523,012 with rent size averaging $1925 and annual rent burden reaching 22.8%.

The continuing increase in population goes hand in hand with social stratification. As long as there is a significant share of low- and middle-income population in San Diego, there is ample ground for the payday lending segment to evolve.

Businesses in San Diego

San Diego is home to several major wireless technology manufacturers, such as Qualcomm, LG Electronics, Nokia, Cricket Communications, Kyocera International and Novatel Wireless. The biotechnology sector is represented by hundreds of companies. The United States Navy and the University of California are among the biggest employers in the area.

Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
Rating
Reviews
Lender
2.83
42
reviews
Ace Cash Express
Ace Cash Express
has 3 offices
3.95
507
reviews
Advance America
Advance America
has 3 offices
3.56
246
reviews
Check 'n Go
Check 'n Go
has 4 offices
4.00
26
reviews
Check into Cash
Check into Cash
has 2 offices
3.35
48
reviews
Checkmate
Checkmate
has 2 offices
4.00
1
review
Payday Loans San Diego
4.08
116
reviews
Payday Money Centers
3.25
194
reviews
Speedy Cash
Speedy Cash
has 1 office

All San Diego, CA Lenders Offices by Rating

Rating
Office Address
4.95
197 reviews
Advance America
1515 Palm Avenue, Ste. L, San Diego, CA 92154 show on map
permanently closed
4.70
22 reviews
Payday Money Centers
4488 Convoy St #E, San Diego, CA 92111 show on map
permanently closed
4.45
11 review
Check into Cash
1965-A El Cajon Blvd, San Diego, CA 92104 show on map
tel: 619-543-9781
4.00
23 reviews
Check 'n Go
9460C Mira Mesa Boulevard, San Diego, CA 92126 show on map
permanently closed
4.00
1 review
Payday Loans San Diego
782 8th Avenue, San Diego, CA 92101
3.95
64 reviews
Payday Money Centers
910 Grand Ave #107, San Diego, CA 92109 show on map
permanently closed
3.60
30 reviews
Payday Money Centers
4090 El Cajon Blvd., San Diego, CA 92105 show on map
tel: 619-563-6543
Hours:
Monday: 10AM–6:30PM
Tuesday: 10AM–6:30PM
Wednesday: 10AM–6:30PM
Thursday: 10AM–6:30PM
Friday: 10AM–6:30PM
Saturday: 10AM–5PM
Sunday: Closed
3.55
15 reviews
Check into Cash
5163 Clairemont Mesa Blvd, San Diego, CA 92117 show on map
tel: 858-569-1297
Hours:
Monday: 10AM–6PM
Tuesday: 2–6PM
Wednesday: 10AM–6PM
Thursday: 2–6PM
Friday: 10AM–6PM
Saturday: 10AM–1PM
Sunday: Closed
3.50
46 reviews
Check 'n Go
8199 Clairemont Mesa Boulevard,Suite L, San Diego, CA 92111 show on map
permanently closed
3.45
162 reviews
Advance America
4120 Clairemont Mesa Blvd., Unit 101-C, San Diego, CA 92117 show on map
tel: 858-490-0292
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
3.45
148 reviews
Advance America
3145 El Cajon Blvd., San Diego, CA 92104 show on map
tel: 619-640-1799
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
3.40
135 reviews
Check 'n Go
675 Saturn Boulevard,Suite E, San Diego, CA 92154 show on map
permanently closed
3.35
42 reviews
Check 'n Go
1264 University Avenue, San Diego, CA 92103 show on map
permanently closed
3.35
31 review
Checkmate
9211 Clairemont Mesa Blvd #102, San Diego, CA 92123 show on map
tel: 858-277-1000
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 11AM–3PM
Sunday: Closed
3.35
17 reviews
Checkmate
405 Washington St., San Diego, CA 92103 show on map
tel: 619-542-0500
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–3PM
Sunday: Closed
3.25
194 reviews
Speedy Cash
6686 El Cajon Blvd, San Diego, CA 92115 show on map
tel: 619-464-1731
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–6PM
Sunday: Closed
3.00
2 reviews
Ace Cash Express
4679 University Ave, San Diego, CA 92105 show on map
permanently closed
2.75
25 reviews
Ace Cash Express
3740 Rosecrans St, San Diego, CA 92110 show on map
permanently closed
2.75
15 reviews
Ace Cash Express
4874 Genesse Ave, San Diego, CA 92117 show on map
tel: 858-273-5709
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed

Latest Reviews

Wendy S.
1 / 5 Mar 5, 2021
about Speedy Cash's office
6686 El Cajon Blvd, San Diego, CA 92115
Tan A.
1 / 5 Mar 4, 2021
about Speedy Cash's office
6686 El Cajon Blvd, San Diego, CA 92115
Viktor M.
1 / 5 Mar 1, 2021
about Checkmate's office
9211 Clairemont Mesa Blvd #102, San Diego, CA 92123
Emilio Haro
5 / 5 Feb 5, 2021
about Ace Cash Express's office
4874 Genesse Ave, San Diego, CA 92117
Gloria Torres
5 / 5 Feb 3, 2021
about Checkmate's office
9211 Clairemont Mesa Blvd #102, San Diego, CA 92123
Martin Burruel
5 / 5 Feb 3, 2021
about Advance America's office
4120 Clairemont Mesa Blvd., Unit 101-C, San Diego, CA 92117

I was going to write several times and just haven’t got around to it) I have used the service several times and every time was even more satisfactory than the previous one. First time it was a bit scary to borrow from an online company and provide all your information and an account number, one can imagine. I was a bit suspicious, you know. But I had little choice and that was a decisive factor, I suppose. Again, I should say that it turned out better than I could dream of. The representative called me shortly after I applied and I got the money next morning. It is very convenient as the repayment was automatically withdrawn from my account on my payday, so, there is no hassle at all – I didn’t need to bother at all. Since then I applied a couple more times and the procedure was even faster and simpler. This is such a relief to know that you have an option, a backup, even if your financial state leaves much to be desired. I am also grateful for not asking questions about my credit history and not being prejudiced about it) Good luck and all the success! I’ll make sure all my friends know about you. ...

Michele L.
4 / 5 Mar 20, 2012
about Payday Loans San Diego's office
782 8th Avenue, San Diego, CA 92101