San Diego, CA Payday Loan Lenders

22 local stores from 9 companies located in San Diego, CA
Rating
Reviews
Lender
0
0
reviews
Ace Cash Express
Ace Cash Express
has 1 office
3.45
336
reviews
Advance America
Advance America
has 2 offices
4.00
27
reviews
Check into Cash
Check into Cash
has 2 offices
3.35
51
review
Checkmate
Checkmate
has 2 offices
4.00
1
review
Payday Loans San Diego
0
0
reviews
Payday Money Centers
3.20
197
reviews
Speedy Cash
Speedy Cash
has 1 office
0
0
reviews
Sun Cash Loans
Sun Cash Loans
has 1 office
0
0
reviews
USA Checks Cashed
USA Checks Cashed
has 2 offices

All San Diego, CA Lenders Offices by Rating

Rating
Office Address
5.00
4 reviews
USA Title Loan Services – Loanmart San Diego
4913 Convoy St, San Diego, CA 92111 show on map
tel: 619-618-0697
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
5.00
4 reviews
USA Title Loan Services – Loanmart El Cerrito
5404 El Cajon Blvd, San Diego, CA 92115 show on map
tel: 619-618-0698
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 8AM–8PM
Saturday: 9AM–5PM
Sunday: Closed
4.45
11 review
Check into Cash
1965-A El Cajon Blvd, San Diego, CA 92104 show on map
permanently closed
4.20
18 reviews
USA Checks Cashed & Payday Advance
3001 El Cajon Blvd #100, San Diego, CA 92104 show on map
tel: 619-281-8840
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: 11AM–4PM
4.20
17 reviews
USA Checks Cashed & Payday Advance
5404 El Cajon Blvd, San Diego, CA 92115 show on map
tel: 619-287-2414
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.20
6 reviews
USA Title Loan Services – Loanmart North Park
3001 El Cajon Blvd #100, San Diego, CA 92104 show on map
tel: 619-450-1532
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 9AM–6PM
Sunday: 10AM–6PM
4.00
1 review
Payday Loans San Diego
782 8th Avenue, San Diego, CA 92101
3.90
31 review
USA Checks Cashed & Payday Advance
421 Broadway, San Diego, CA 92101 show on map
tel: 619-702-8110
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 10AM–5PM
Sunday: Closed
3.55
16 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
3.45
170 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
166 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
19 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: Closed
Sunday: Closed
3.30
32 reviews
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: 9AM–3PM
Sunday: Closed
3.20
197 reviews
Speedy Cash
6686 El Cajon Blvd, San Diego, CA 92115 show on map
tel: 619-464-1731
Hours:
Monday: 8AM–8PM
Tuesday: 8AM–8PM
Wednesday: 8AM–8PM
Thursday: 8AM–8PM
Friday: 8AM–8PM
Saturday: 8AM–8PM
Sunday: Closed
3.10
20 reviews
USA Payday Loans / Payday Advance
10825 Westview Pkwy, San Diego, CA 92126 show on map
tel: 858-635-9500
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–5PM
Sunday: Closed
1.00
1 review
Advance Check Express
9473 Black Mountain Rd, San Diego, CA 92126 show on map
tel: 858-527-1516
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–4PM
Sunday: Closed
0.00
0 reviews
Sun Cash Loans
5419 El Cajon Blvd, San Diego, CA 92115
0.00
0 reviews
Payday Money Centers
4090 El Cajon Blvd. #B, San Diego, CA 92105
0.00
0 reviews
USA Checks Cashed
5404 El Cajon, San Diego, CA 92115
0.00
0 reviews
USA Checks Cashed
3001 El Cajon Blvd #100, San Diego, CA 92104
0.00
0 reviews
USA Payday Loans
10825 Westview Pkwy, San Diego, CA 92126 show on map
tel: 858-635-9500
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–8PM
Saturday: 10AM–5PM
Sunday: 11AM–4PM
0.00
0 reviews
Ace Cash Express
4874 Genesee Ave, San Diego, CA 92117
tel: 858-273-5709

Latest Reviews

Elaine Gattrell
1 / 5 Aug 10, 2021
about Speedy Cash's office
6686 El Cajon Blvd, San Diego, CA 92115
larry speller
5 / 5 Jul 21, 2021
about Advance America's office
4120 Clairemont Mesa Blvd., Unit 101-C, San Diego, CA 92117
Samson Efrem
5 / 5 Jul 16, 2021
about Advance America's office
4120 Clairemont Mesa Blvd., Unit 101-C, San Diego, CA 92117
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

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

Payday Loans in San Diego

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.

San Diego Payday Loans Regulation

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.

San Diego City Ordinance

San Diego has passed a zoning law that defines the rules for the location of stores near various objects.
Restricted to commercial zones.

Payday Loans Complaints

The Department of Financial Protection and Innovation (DFPI)
Send a complaint online. (Phone: 1-866-275-2677)

San Diego TimeLine News

January 5, 2011, Council Member Todd Gloria sent the Memorandum to Honorable Major Jerry Sanders, in which he expressed concern about the growing payday loans business in San Diego, and also asked about the capping the interest rates at 36%.

San Diego Payday Loans Stats

  • The 2011 year, borrowers paid 15.9 mill fees to payday lenders;
  • The 2021 year, 36 payday loan storefronts (13 different companies) have active licensees in San Diego. (Source – DFPI)
    • The Check Cashing Company (The Check Cashing Place, Inc): 18 stores (the oldest – from 31 Dec 2004);
    • Usa Checks Cashed: 3 stores (the oldest – from 31 Dec 2004);
    • Advance America (Cash Advance Centers of California, LLC): 3 stores (the oldest – from 31 Dec 2004);
    • MoneyTree: 2 stores (the oldest – from 31 Dec 2004);
    • ACE Cash Express (Populus Financial Group, Inc): 2 stores (the oldest one work from 25 Oct 2006);
    • Checks-N-Advance (Jil, Inc): 1 store (works from 31 Dec 2004);
    • Payday Money Centers (Payday Loan, LLC): 1 store (works from 31 Dec 2004);
    • Speedy Cash: 1 store (works from 16 Jan 2015);
    • CheckMate: 1 store (31 Oct 2014);
    • Urbane Lending Group (Toai Dinh Nguyen & Thuan-Vi Nguyen): 1 store (works from 01 Feb 2007);
    • Check Into Cash (Check Into Cash of California, Inc): 1 store (works from 13 Jan 2005);
    • Sun Cash: 1 store (works from 31 Dec 2004);
    • Usa Checks Cashed: 1 store (works from 24 Feb 2020).

San Diego General Information

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 the 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 the cash almost immediately.

How It Started

San Diego’s economy exploded in the late 1800s through the 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 the navy and aviators. During 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 Hispanics and Asians. From 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. The 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 the 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.

San Diego Residents Debt-to-Income Ratios
San Diego residents have 715 median credit score and the average number of late payments is about 3.12. Below represented DTI (Debt-to-Income) ratios shows how San Diego residents debts stacks up against their income. As of 2020.
Credit Card DTI
5.14%
Mortgage DTI
582.59%
Car Loan DTI
24.17%
Student Loan DTI
35.08%
San Diego Residents Financial Statistics
Below represented statistics is for San Diego, San Diego County, California. As of 2019.
Median age of San Diego's residents, years
34
Labour force participation rate, %
67.7%
Unemployment rate, %
5.8%
% of residents with no health insurance
7.8%
Median individual income, USD
$36,609
Median household income, USD
$79,673
% of households with income under $35,000
21.5%
% of households with income $35,000 - $75,000
25.9%
% of households with income $75,000 - $100,000
12.9%
% of households with income over $100,000
39.7%
% of households that own their residence
46.8%
Median home value owned by residents, USD
$602,572
Median rent cost, USD
$1,695
Rent Burden, %
34.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
California Flag
San Diego, CA
Payday Loans are legal* in California.
Store
22 Local Stores
Company
9 Companies
Review
713 Reviews
Online
YES Online Loans