Chula Vista, CA · West · Allowed
Payday loans in Chula Vista
Chula Vista 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 Chula Vista
267,172 residents · San Diego County Median household income is $65,185 — below the California median of $68,111.
7 storefront locations of 7 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 |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 325 Palomar St, 91911 | (619) 585-0742 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 790 Broadway, 91910 | (619) 409-1596 | Mon 10:00 AM - 6:00 PM · hours vary |
| Fast Auto And Payday Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1283 3rd Ave, 91911 | (619) 632-6080 | Mon 10:00 AM - 7:00 PM · hours vary |
| Fast Auto Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 98 Broadway, 91910 | (619) 754-4268 | Mon 10:00 AM - 7:00 PM · hours vary |
| Lendmark Financial Services Installment Loans, Title Loans | 565 Telegraph Canyon Rd, 91910 | (619) 421-1717 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Oportun Installment Loans | 1355 Broadway, 91911 | (619) 493-4679 | Mon 10:00 AM - 7:00 PM · hours vary |
| USA Checks Cashed Departments of Motor Vehicles, Auto Loan Providers, Check Cashing/Pay-day Loans | 201 Broadway Ste 101, 91910 | (619) 425-4700 | Mon 9:00 AM - 7:00 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 Chula Vista
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 Chula Vista 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 Chula Vista
Are payday loans legal in Chula Vista, CA?
Yes. Storefront payday lending is permitted across California, and Chula Vista 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 Chula Vista?
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 Chula Vista?
7 storefronts are listed in Chula Vista in our 2022-02-20 directory snapshot (7 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Chula Vista?
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.