(408) 545-9214
Payday Loans in San Jose
$100 - $255

Need Cash Fast in San Jose? Connect With a Lender Today

Life in the South Bay can be expensive. When unexpected expenses pop up, our secure matching service connects you with a network of California-licensed lenders—often with funds available as soon as the next business day.

Request Funds Now
Fast Funding Available
Direct Deposit
All Credit Backgrounds Considered
Fast
Decision Engine
Secure
Bank-Level Encryption
Simple
3-Step Process
Local
Compliant with CA Regulations
256-Bit SSL Secured OSTA Compliant California DFPI Regulated Lenders

How It Works

Get the funds you need in a few simple steps

1

Submit Your Request

Complete our straightforward online form. It takes just a few minutes and is protected by bank-level 256-bit encryption.

2

We Search Our Network

Our system connects you with our network of lenders who will review your submitted information quickly.

3

Review Your Offer

If connected, you will review the lender's exact terms, fees, and repayment schedule before deciding to sign.

4

Get Your Funds

Upon approval and signature, funds are typically deposited directly into your checking account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Participating lenders may perform credit checks or verify your information through traditional or alternative credit reporting agencies. Submitting a request form does not guarantee that you will be connected with a lender or approved for a loan.

Loan Information

Loan Amounts $100 to $255 (State Maximum)
Loan Terms Up to 31 Days
APR Range Typically around 460.16% for a 14-day loan
Types Offered
Payday Loans Cash Advances Short-Term Loans

Eligibility Requirements

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Reside in California
  • Have a regular source of income
  • Have an active checking account in your name

Required Documents

  • Valid government-issued ID
  • Proof of income (pay stub or bank statement)
  • Checking account details (routing and account number)
  • Active contact phone number and email

Why Choose Us

Benefits that make the difference

Quick Online Request

Forget driving around the South Bay looking for a storefront. Our online process takes only a few minutes from any smartphone, tablet, or computer.

Large Lender Network

Instead of applying to one lender at a time, your single request reaches a wide network of state-licensed lenders simultaneously, saving you time.

Transparent Terms

If matched, your lender is required by California law to clearly present all fees, the exact APR, and the repayment schedule before you sign a contract.

All Credit Histories Considered

Lenders in our network understand that past financial difficulties happen. They often look at your current income and employment history rather than just your traditional credit score.

Secure and Confidential

We utilize industry-standard 256-bit SSL encryption to protect your personal and financial information throughout the entire request process.

Fast Funding Potential

If approved and signed, most lenders in our network can deposit your funds directly into your active bank account as soon as the following business day.

What Our Customers Say

Saved me when my car broke down

I was stuck off Highway 87 with a blown tire and no way to pay for it until payday. Filled out the form on my phone, got connected to a lender fast, and had the $255 deposited the next morning. It really saved my week.

Maria Garcia ·San Jose, CA

Straightforward process

The cost of living around Silicon Valley is rough. I just needed a little extra to cover a PG&E bill. The process was easy, though I wish the state limit was higher than $255. Still, it did what I needed it to do.

David Liu ·Santa Clara, CA

Very quick matching

I have tried finding a direct lender before and it takes forever. This site matched me up almost instantly. The lender called me within an hour to confirm my employment details.

James Patterson ·Sunnyvale, CA

Transparent and helpful

No hidden tricks. They made it clear they are not the lender, but the lender they found for me was professional and explained the fees clearly before I signed anything.

Sarah Jenkins ·San Jose, CA

Good for emergencies

Needed cash for an unexpected medical co-pay. The site was secure and I had my funds the next day. Repayment was automatically taken out on my next payday.

Michael T. ·Milpitas, CA

Lifesaver when short on rent

I was just $200 short on my rent this month and didn't want to get hit with massive late fees. Getting a quick advance bridged the gap for me safely.

Linda O. ·Campbell, CA

Payday Loan Stores in San Jose, California

Borrowers in San Jose can visit these local storefronts for immediate financial assistance or apply online through our matching service to find the right loan option for their needs.

1

California Check Cashing Stores

Check Cashing

1720 West San Carlos Street, San Jose, CA 95126

(855) 920-9800 Mon-Fri 9am-7pm, Sat 10am-4pm
2

California Check Cashing Stores

Payday Loans

2471 Berryessa Road, Ste 5, San Jose, CA 95132

(855) 920-9800 Mon-Fri 9am-7pm, Sat 10am-4pm
3

ACE Cash Express

Payday Loans

456 E Hedding St, San Jose, CA 95112

(408) 298-5020 Mon-Fri 9am-7pm, Sat 10am-6pm
4

Advance America

Payday Loans

5568 Monterey Road, San Jose, CA 95138

(408) 225-0480 Mon-Fri 10am-6pm, Sat 9am-1pm
5

Check Into Cash

Payday Loans

1040-D S White Road Plaza, San Jose, CA 95127

(877) 262-2274 Mon-Fri 10am-6pm, Sat 10am-1pm
6

Check Into Cash

Title Loans

4750 Almaden Expressway, Suite K, San Jose, CA 95118

(877) 262-2274 Mon-Fri 10am-6pm, Sat 10am-1pm
7

California Check Cashing Stores

Check Cashing

4156 Monterey Road, Suite 30, San Jose, CA 95111

(855) 920-9800 Mon-Fri 9am-7pm, Sat 10am-4pm
8

California Check Cashing Stores

Cash Advance

2151 Story Road, San Jose, CA 95122

(855) 920-9800 Mon-Fri 9am-7pm, Sat 10am-4pm
9

Oportun

Cash Advance

1636 Story Road, San Jose, CA 95122

(669) 257-5072 Mon-Fri 11am-6:30pm, Sat 10am-4pm
10

Oportun

Cash Advance

201 Willow Street, San Jose, CA 95110

(669) 282-3004 Mon-Fri 11am-6:30pm, Sat 10am-4pm

San Jose Community Profile

San Jose, known as the 'Capital of Silicon Valley,' serves as a global center for technology and innovation, hosting headquarters for industry giants like Adobe, Cisco, and PayPal. Despite the city's exceptionally high median household income, the region is defined by extreme income inequality and a cost of living nearly 50% higher than the national average. With median home prices often exceeding $1 million and high utility and transportation costs, many residents face significant financial pressure. For those in service-oriented sectors or mid-tier professional roles, sudden expenses such as emergency medical bills or vehicle maintenance can exceed monthly cash reserves, making short-term lending a critical safety net in an otherwise affluent but expensive economy.

Population
997,368
Median Income
$141,565
Poverty Rate
7.8%
Unemployment
4.1%

Household Income Distribution

Where residents fall on the income spectrum

Under $25K 9.6%
$25K - $50K 8.8%
$50K - $75K 8.7%
$75K - $100K 8.2%
Over $100K 64.7%

Transportation to Work

Drove Alone 58.4%
Carpooled 8.7%
Public Transit 3.2%
Walked 1.6%
Work from Home 26.5%
Other 1.6%

Class of Worker

Private Wage & Salary 81.3%
Government 12.3%
Self-Employed 6.2%
Unpaid Family 0.2%

Source: U.S. Census Bureau, 2023 American Community Survey 1-Year Estimates; Bureau of Labor Statistics, February 2026

Frequently Asked Questions

Find answers to common questions below

Search questions...
How much can I borrow in San Jose?
Under California state law, the maximum payday loan amount is $300. With the maximum legal fee of 15% deducted upfront, the highest cash advance you can walk away with is $255.
Can I get a payday loan with bad credit?
Yes, many lenders in our network consider applications from individuals with less-than-perfect credit histories. They typically focus more on your current steady income and ability to repay the short-term loan.
How fast will I receive my money?
If you are connected with a lender and approved, funds are typically deposited directly into your checking account as soon as the next business day.
Are there hidden fees?
No. California law requires lenders to provide a transparent loan agreement detailing all fees and the exact APR before you sign. You are never obligated to accept a loan offer if you do not agree with the terms.
Can I roll over my payday loan in California?
No. California law strictly prohibits the rolling over of payday loans. The loan must be paid in full on the due date. Lenders are also prohibited from making a new loan to you while an existing one is still outstanding.
Will applying affect my credit score?
Submitting a request through our matching service does not typically impact your traditional FICO score. Lenders in our network may perform a soft credit pull or check alternative credit bureaus like DataX or Teletrack.
What if I cannot repay on time?
If you anticipate difficulty repaying your loan, you must contact your lender directly and immediately. Under California law, lenders cannot pursue criminal charges against you for failure to pay, but they may charge NSF fees if your payment bounces and it could affect your standing with alternative credit bureaus.
Do I need to visit a store in person?
No, our entire matching process is completely online. You can submit your request from your smartphone or computer anywhere in the South Bay without needing to drive to a physical storefront.

Ready to Get Started?

Do not let unexpected bills pile up into expensive late fees. Connect with a lender today and you could have funds in your account as soon as the next business day.

Request Funds Now