San Diego, CA · West · Allowed
Payday loans in San Diego
San Diego is governed by California's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in California. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in San Diego
1,406,630 residents · San Diego County Median household income is $66,116 — below the California median of $68,111.
22 storefront locations of 15 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 3145 El Cajon Blvd, 92104 | (619) 640-1799 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 4120 Clairemont Mesa Blvd, 92117 | (858) 490-0292 | Mon 10:00 AM - 6:00 PM · hours vary |
| Fast Auto and Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1525 Palm Ave, 92154 | (619) 863-4140 | Mon 10:00 AM - 7:00 PM · hours vary |
| Fast Auto And Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6787 El Cajon Blvd, 92115 | (619) 337-2310 | Mon 10:00 AM - 7:00 PM · hours vary |
| Lantzman Lending Real Estate Services, Investing, Installment Loans | 11696 Sorrento Valley Rd Ste 201, 92121 | (858) 720-0229 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Montana Capital Car Title Loans Title Loans | 3380 El Cajon Blvd, 92104 | (619) 202-0292 | Mon 9:00 AM - 7:00 PM · hours vary |
| MyPoint Credit Union Kearny Mesa Banks & Credit Unions | 9420 Farnham St, 92123 | (858) 495-3400 | Mon 9:00 AM - 5:00 PM · hours vary |
| Oportun Installment Loans | 1950 Main St, 92113 | (619) 493-4682 | Mon 9:00 AM - 8:00 PM · hours vary |
| Oportun Installment Loans | 5971 University Ave, 92115 | (858) 225-4888 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 1490 S 43rd St, 92113 | (888) 407-2998 | Mon 10:00 AM - 7:00 PM · hours vary |
| Oportun Installment Loans | 517 E San Ysidro Blvd, 92173 | (619) 631-4829 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 242 W Mission Ave Suite A, 92025 | (858) 225-4879 | Mon 10:00 AM - 7:00 PM · hours vary |
| Payday Sunny Check Cashing/Pay-day Loans, Installment Loans | 3803 Marquette Pl San Diego CA 92106, 92106 | (608) 405-8087 | Open 24 hours daily |
| Personify Financial Installment Loans | San Diego, 92128 | (888) 578-9546 | Hours not listed |
| Renovate America Financial Services | San Diego, 92127 | (877) 747-4889 | Mon 8:00 AM - 10:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 6686 El Cajon Blvd, 92115 | (619) 464-1731 | Mon 10:00 AM - 6:00 PM · hours vary |
| Triton Capital Installment Loans | 1660 Hotel Cir N Ste 215, 92108 | (877) 822-1333 | Mon–Fri 7:00 AM - 4:00 PM · Sat–Sun Closed |
| USA Checks Cashed Check Cashing/Pay-day Loans, Title Loans, Registration Services | 10825 Westview Pkwy, 92126 | (858) 635-9500 | Mon 10:00 AM - 6:00 PM · hours vary |
| USA Checks Cashed Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5404 El Cajon Blvd, 92115 | (619) 287-2414 | Mon 9:00 AM - 6:00 PM · hours vary |
| USA Checks Cashed Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 421 Broadway, 92101 | (619) 702-8110 | Mon 9:00 AM - 6:00 PM · hours vary |
| USA Checks Cashed and Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3001 El Cajon Blvd Ste 100, 92104 | (619) 281-8840 | Mon 9:00 AM - 7:00 PM · hours vary |
| Wheelhouse Credit Union - Downtown San Diego Banks & Credit Unions | 320 B St, 92101 | (619) 297-4835 | Mon 8:30 AM - 4:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the California page before visiting. Spot an error? Report it.
The online route in San Diego
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in California follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the California regulator.
The rules behind the numbers
A payday loan is not intended for long-term financial needs. You cannot be prosecuted or threatened with prosecution in a criminal proceeding for a returned check.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 460% APR. Every compliant lender in San Diego has to fit inside that schedule.
Statute: Cal. Fin. Code § 23000 et seq.
Regulator: California Department of Financial Protection and Innovation · dfpi.ca.gov
Questions people ask in San Diego
Are payday loans legal in San Diego, CA?
Yes. Storefront payday lending is permitted across California, and San Diego runs under the same state rules: maximum loan $300, fees capped at 15% of face value ($17.65 per $100 advanced). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in San Diego?
The same as anywhere in California: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in San Diego?
22 storefronts are listed in San Diego in our 2022-02-20 directory snapshot (15 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in San Diego?
Complaints about a lender go to the California Department of Financial Protection and Innovation (dfpi.ca.gov) — keep the loan agreement and every fee disclosure you were given.