Payday Loans in San Diego, CA
at 6423 University Ave, 92115
- (619) 304-8805
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday loans, Installment loans
- Online application 24/7
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance Store in San Diego
Trusted by thousands of California residents, 1F Cash Advance offers quick payday loans of up to $255 to help people across the state overcome financial emergencies. Our San Diego store provides personalized assistance so that you can find the right loan option for your current needs. We are located near the Wellgreens Weed Dispensary University, just a short walk from the Kroc Center Ice. Visit us today and enjoy our easy-to-meet requirements, fast approval with no credit check, and same-day funding. We are here to help you get instant cash, even with bad credit.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Erin Marshall
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Loan Products
We know that each situation is unique and offer loan options for the various needs San Diego residents typically face:
Max. amount $255
Payday loans are short-term loans designed for small emergencies and unforeseen expenses. San Diego applicants can get up to $255 for a maximum period of 31 days. These loans are perfect for minor repairs, medical costs, unexpected bills, and other everyday expenses.
Max. amount $5,000
Installment loans in San Diego offer more flexibility and work best for your larger financial needs. Borrow up to $5,000 and repay the money in equal installments over 2 to 24 months. You can use them for big purchases, debt consolidation, home improvements, and other long-term needs.
How to Apply with 1F Cash Advance
Borrowing money in San Diego is fast and straightforward with us. Just follow these 3 easy steps:
Visit our store
Come to us during the operating hours and let our friendly team help you navigate the process. Applying in-store typically takes just 5 minutes.
Get a loan decision
The underwriting process is fast, efficient, and comprehensive, allowing you to get an almost instant approval decision with no credit check needed.
Receive the funds
If approved, you can get your loan issued in cash right away or receive it via a same-day deposit into your bank account.*
*Approval is not guaranteed and is subject to certain qualifications. Same-day funding is offered for approvals before 10:30 am on weekdays. Applications submitted after 10:30 am or on non-banking days are processed on the next banking day. Instant cash options are available to in-store borrowers who repay via a post-dated check.
What You Need to Apply In-Store
Prepare the following items for a fast and hassle-free application process:
- Valid email and cell phone number
- Social Security number
- Valid government-issued photo ID
- Proof of income
- Proof of California address
- Active bank account with a routing number
- Age of at least 18
About 1F Cash Advance in San Diego, CA
1F Cash Advance is a trusted loan company that has been helping California residents with their emergency cash needs since 2019. In 2023, we opened our physical location in San Diego to provide customized loan solutions and a personalized borrowing experience to those who prefer the traditional approach. Since then, we have been known as a go-to place for people who find themselves in a tough financial situation and can’t get quick cash elsewhere.
We accept applicants with bad or no credit and perform no hard credit check, making it easier and faster to get the money you need when you need it. Our transparent loan terms, simple requirements, fast funding times, and commitment to all the state lending laws ensure you will get a legitimate loan solution from a trusted direct lender in California.
Find Our Nearby Store
1F Cash Advance operates across California and has multiple stores in other state cities. Find a location near you and visit us for quick, personalized assistance.
910 Hale Place #204, Chula Vista, CA 91914
433 S. Spring St. unit 900, Los Angeles, CA 90013
30 River Park Pl W #390, Fresno, CA 93720
Responsible Borrowing Tips
Payday loans are high-cost borrowing options that need to be approached with caution. They are not intended for your long-term needs and should only be used for short-term emergencies and small money gaps. Extending your payday loan term can make them expensive and trap you in a cycle of debt. If you need money for your long-term goals or ongoing needs, consider alternatives or seek professional counseling.
Before applying, make sure you have a clear repayment plan and can afford the requested amount. Borrow only what you need and prioritize on-time repayment to avoid financial and credit consequences.
Still Have Questions?
Are payday loans legal in California?
Yes, payday lending in California is legal yet strictly regulated. State laws set limits on the maximum loan amount and finance charge. 1F Cash Advance follows all California regulations and provides safe and legitimate loan solutions.
What is the maximum loan amount I can borrow?
The maximum payday loan amount you can get in California is $300, including fees. While the finance charge is limited to $45, you can only get up to $255 on hand. With installment loans, you can borrow up to $5,000. The exact sum is subject to approval based on your income and financial profile.
What is the interest rate on a payday loan?
At 1F Cash Advance, the average 14-day payday loan APR for California residents is 369%. The finance charge is $17.65 for each $100 advanced (no more than $45).
How fast will I receive my funds?
Approved applicants typically get their loans as soon as the next business day of approval. Borrowers who finalize their loans before 10:30 am on a banking day can receive the money on the same day. In-store applicants may get instant cash if they borrow against a post-dated check.
Can I get a payday loan with bad credit?
With us, you don’t have to meet any minimum credit score requirements. We accept people with any credit and prioritize your ability to repay over your FICO rating. Bad credit borrowers can qualify if they can provide proof of stable and sufficient monthly income.
Contact Us
If you have any questions, feel free to contact us! Choose the option that works best for you:
