Payday Loans in San Jose, CA Near You

In San Jose, California, payday loans are available from $100 to $300, and you can easily apply online to get the cash fast. Even those with bad credit may qualify for this type of short-term loan. A guarantor or collateral is not required, making it ideal if you struggle to get accepted by banks due to a bad credit score.

Fast Loans From Direct Lenders ($100 - $35,000):

While lenders reserve the right to do credit checks, this is often a soft search that does not affect your credit rating, and applying online often means you can reach multiple lenders with one loan request.

Our directory of payday lenders in San Jose can help you find the solution that's best for you. And, while you won't know the exact interest rate or terms before going through the application process, we only link to direct lenders who are legally licensed to issue payday loans in San Jose, so you know you'll be getting a competitive rate and everything is above board.

As long as you are over the age of 18, a resident of San Jose, have a bank account in your name, and are in full-time employment, you are eligible to apply for a payday loan. What's more, if you are approved by a lender you could see the money in your account in as fast as one working day!

Is payday lending legal in San Jose, CA?

All cities in California fall under the state's payday lending regulations, meaning payday loans are completely legal in San Jose. However, there are some restrictions and protections to ensure borrowers don't get into financial trouble.

Payday loan terms are only available on loans up to $300 – amounts higher than this fall under installment loan regulations, though lenders often combine applications to make the process easier.

This means you have to repay loans up to $300 within 31 days, in one lump sum, which should give you enough time to get your next pay check. The finance charge or interest will never exceed more than 15% per $100, which translates to an APR of around 460%.

Borrowers are only permitted to take out one payday loan at a time but are free to apply for another one as soon as they've made the repayment. Lenders are not permitted to extend, renew or rollover existing payday loans beyond the maximum 31 days. If you fail to make the repayment you can only be charged a further $15, though your credit score will almost certainly be impacted.

Payday loan alternatives in San Jose

Payday loans are designed for the specific situation of not being able to cover your outgoings for that month. They can be viewed as an advance on your wages, just not from your employer.

With that in mind, you shouldn't consider a payday loan if you are in a different kind of financial predicament or cannot make the repayment when you next get paid.

For example, if you need to borrow more than $300, then an installment loan repaid over a longer period of time is a better solution.

Likewise, payday loans are designed for those that don't have access to savings, credit cards, or who have been rejected by the banks and larger lenders due to a poor credit history. If you can get funds via these traditional methods, it will likely be cheaper in the long run than a payday loan.

San Jose

San Jose information:

Population: 1,030,000
Average car ownership: 2
Median age: 37
Median household income: $113,036
Homeownership rate: 55.3
Median property value: $968,500

Eligibility requirements for payday loans in San Jose, California

If you wish to apply for a payday loan in San Jose, California, there are a few requirements you must meet before proceeding. If you meet these it is completely legal to take out a payday loan of up to $300.

  • You must be at least 18 years old to borrow money in the United States.
  • You must be a legal resident of San Jose with an address from which you can reached.
  • You must have a bank account with basic checking facilities so the loan can be quickly issued, and the repayment automatically taken.
  • You must be in full time employment or self-employment, or otherwise earn a regular income of at least $1,000 per month to ensure you have the means to make repayment.
  • You must not already have an outstanding payday loan.

Other than that, there is no collateral or guarantor required, and even those with bad credit are routinely approved for reasonable amounts.

Payday loans are available for the following San Jose zip codes: 95110, 95111, 95112, 95113, 95116, 95117, 95118, 95119, 95120, 95121, 95122, 95123, 95124, 95125, 95126, 95127, 95128, 95129, 95130, 95131, 95132, 95133, 95134, 95135, 95136, 95138, 95139, 95148, 95159, 95152, 95170, 95137, 95158, 95154, 95102, 95142, 95150, 95103, 95153, 95141, 95157, 95193, 95156, 95114, 95115, 95190, 95160, 95164, 95172, 95191, 95151, 95161, 95173, 95109, 95171, 95194, 95101, 95192, 95106, 95155, 95108, 95196.

If you are in San Jose, you can get started today by using our loan request tool or you can browse the directory of lenders to find one that suits you.

Why get a payday loan online in San Jose (CA)?

While San Jose is home to many payday loan stores, it is increasingly popular to apply online with a licensed lender. This is because you do not have to drive to the physical location and wait in line, nor fill out any physical paperwork.

Everything is completed online with direct lenders, so you will know quickly if you have been approved. If you digitally sign the lender's agreement during the working week, the cash may be deposited into your account within one business day - perfect if you are in an emergency and need fast cash.

Furthermore, if you use our loan request tool you can pass your details through a network of over 100 payday lenders in San Jose, so you don't have to spend to applying one-by-one and risking multiple application searches on your credit report.

List of Payday Loan Companies in San Jose, CA:

456 E Hedding St, San Jose, 95112

(408) 947-2072

412 E Santa Clara, San Jose, 95113

(408) 998-9010

2011 Camden Ave, San Jose, 95124

(408) 371-5242

5568 Monterey Hwy, San Jose, 95138

(408) 225-0480

2306 Almaden Rd Ste 160, San Jose, 95125

(408) 723-6545

611 Blossom Hill Rd, San Jose, 95123

(408) 225-5626

3111 Alum Rock Ave, San Jose, 95127

(408) 937-8100

3826 7 Trees Blvd Ste 100, San Jose, 95111

(408) 229-1333

4156 Monterey Rd, San Jose, 95111

(408) 578-1150

2417 Alvin Ave, San Jose, 95121

(408) 238-4696

2151 Story Rd, San Jose, 95122

(408) 923-1331

14706 Camden Ave, San Jose, 95124

(408) 559-0777

1075 S White Rd, San Jose, 95127

(408) 926-2274

1304 S Winchester Blvd, San Jose, 95128

(408) 866-7575

1720 W San Carlos St, San Jose, 95128

(408) 287-0990

2471 Berryessa Rd, San Jose, 95133

(408) 926-5626

1101 W San Carlos St, San Jose, 95126

(408) 286-5055

Tully Rd, San Jose, 95122

(800) 500-1250

1060 Willow St Ste 3, San Jose, 95125

(669) 231-3241

2746 Aborn Road Unit H-2, San Jose, 95121

(408) 532-7070

740 Story Road Unit 2, San Jose, 95122

(408) 275-8200

461 Blossom Hill Road Unit H-2, San Jose, 95123

(408) 224-0400

4750 Almaden Expy, San Jose, 95118

(408) 269-7810

1040 S White Rd Ste D, San Jose, 95127

(408) 926-6109

1317 S Winchester Blvd, San Jose, 95128

(408) 379-1164

2602 Alum Rock Ave, San Jose, 95116

(669) 900-6845

356 Keyes St, San Jose, 95112

(408) 295-1324

4300 Stevens Creek Blvd, San Jose, 95129

(408) 557-4985

2135 Tully Rd Ste B, San Jose, 95122

(408) 258-5402

876 The Alameda, San Jose, 95126

(408) 947-0959

20252 Viewcrest Ct, San Jose, 95120

(408) 997-1504

87 N San Pedro St, San Jose, 95110

(888) 539-0502

Fast Loans From Direct Lenders ($100 - $35,000):