San Jose, CA · West · Allowed
Payday loans in San Jose
San Jose 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 Jose
1,025,350 residents · Santa Clara County Median household income is $84,647 — above the California median of $68,111.
14 storefront locations of 11 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 | 456 E Hedding St, 95112 | (408) 947-2072 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5568 Monterey Rd, 95138 | (408) 225-0480 | Mon 10:00 AM - 6:00 PM · hours vary |
| CitiFinancial Installment Loans | 5132 Stevens Creek Blvd, 95129 | (408) 249-8220 | Hours not listed |
| Fast Auto Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2602 Alum Rock Ave, 95116 | (408) 935-2105 | Mon 10:00 AM - 7:00 PM · hours vary |
| Home Ownership Financial Installment Loans | 2030 Senter Rd, 95112 | (408) 292-5000 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| listo! Installment Loans, Auto Insurance | 1177 S King Rd, 95122 | (408) 610-3084 | Mon 12:00 PM - 6:00 PM · hours vary |
| Montana Capital Car Title Loans Title Loans | 916 Commercial St, 95112 | (408) 320-0424 | Mon 9:00 AM - 7:00 PM · hours vary |
| Oportun Installment Loans | 1636 Story Rd, 95122 | (669) 257-5072 | Mon 10:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 201 Willow St, 95110 | (669) 282-3004 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 5272 Monterey St, 95111 | (669) 282-3017 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 1690 Story Rd, 95122 | (669) 282-3011 | Mon 11:00 AM - 6:30 PM · hours vary |
| Springleaf Financial Installment Loans | 1008 Blossom Hill Rd Ste G1 Riverhill Plaza, 95123 | (408) 264-8488 | Hours not listed |
| Technology Credit Union Banks & Credit Unions | 2010 N 1st St, 95131 | (800) 553-0880 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Wayten Financial Installment Loans | 2570 N 1st St Floor 2nd, 95131 | (408) 878-6763 | Hours not listed |
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 Jose
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 Jose 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 Jose
Are payday loans legal in San Jose, CA?
Yes. Storefront payday lending is permitted across California, and San Jose 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 Jose?
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 Jose?
14 storefronts are listed in San Jose in our 2022-02-20 directory snapshot (11 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in San Jose?
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.