Cash Advance & Payday Loans for Bad Credit in San Francisco, CA. NO Hard Credit Checks and Fast Emergency Loans, CA

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Applying does NOT affect your FICO® credit score!

* Get a $100-$255 Payday Loan in San Francisco, CA *

Fast and Easy Payday Loans: San Francisco, CA

In many cases, people barely have enough cash to take care of their monthly expenses and they cannot deal with an emergency at the same time. However, if you reside in California, then we have a solution for you; online payday loans.

This is actually a very good alternative for people living in the Bay Area and California in general when you need fast cash for an emergency. Due to bad credit scores, most people do not qualify for a new credit card or traditional bank loans. Even if you do qualify, it can take weeks or even months to get approval, which will not help you in an immediate cash crunch.

Applying for Payday Loans in San Francisco

The process is simple and straightforward. You can apply for payday loans using your smartphone or PC. You only need to visit our website and submit a short online application.

Can I Qualify for a No Credit Payday Loan in Francisco with Bad Credit?

The answer is yes! If you are looking for an online cash advance, chances are that you have a pressing financial issue. So, a bad credit score should not hinder you from accessing payday loans when you need it the most.

The main requirement, however, is having a steady and verifiable source of income.

Requirements to Qualify for a Payday Loan in San Francisco, California

Requirements to get a payday loan differ by lender, but generally, you will need the following to apply:

  • Be at least 18 years of age,
  • Live in the US or US territories,
  • Have an open and active bank account,
  • Be a US citizen or permanent resident,
  • Have a regular income of at least $1,200 a month,
  • Have a working phone number and email.

How to Get a Payday Loan in San Francisco, California?

The process of obtaining a loan is very simple and consists of three main stages:

  • Fill out the form with your information and the desired loan amount
  • Check the correctness of your data and press the ‘submit’ button
  • Wait for approval from the lender.

California Payday Loan Laws

California Payday Loan Regulations

Legal Status Legal
Interest Rate (APR) (369% on average in 2019)
Minimum Loan amount Not Specified
Maximum Loan Amount $300
Minimum Loan Term Not Specified
Maximum Loan Term 31 Days
Number of Rollovers 0
Number of Outstanding Loans 1
Finance Charges 15% of the amount advanced (up to $45) + a fee of $2.64 per $100
Statute of Limitations 4 Years

According to the State Law of California Payday Lending is Legal

California has a $300 amount limit on payday loans being offered in the state. Payday loans can be taken for a period of no more than 31 days with the maximum finance charge of 15% for every $100. No additional charges are allowed for the extension of a loan. No rollovers are allowed, and only one outstanding loan is allowed. There is an approved $15 NSF fee; criminal actions in all cases are prohibited.

California Payday Lending Statutes

The state law requires that all lending companies should have a license from the Department of Business Oversight to operate in the state. Such a measure was passed to protect consumers from fraudulent actions.

Loan Amount in California

California state law allows payday lending in an amount not exceeding $300.

Rates, Fees, and Other Charges in California

Finance charges and fees should not exceed 15% for every $100 of the amount advanced.

According to the law, additional interest is not allowed if a lender willingly agrees to prolong repayment.

Payday Loan Terms in California

  • Licensed lenders may defer any deposit of customer checks for more than 31 days.
  • The lender has the right not to satisfy this request (by law)

Consumer Information –California Payday Loans

  • As of July 2020, lenders are not required to check a borrower’s ability to repay a loan.
  • No criminal action against a customer who enters into a deferred deposit transaction is allowed, any criminal penalty for the failure to repay is prohibited in California.
  • In case a check is returned unpaid, a maximum fee of $15 for non-sufficient funds (NSF) is allowed.
  • One person is allowed to take one payday loan at a time and should repay it in full before taking another one. Rollovers are not allowed and all the charges for extensions are illegal.
  • Borrowers are also prohibited from taking one loan to repay another one. Every time a loan is provided, a new procedure is initiated and a new agreement signed.
  • Lenders in California are strictly prohibited to provide loans to customers who have not repaid the previous ones.

How to Find a Good Direct Lender in San Francisco, California?

If you want to find a direct lender in San Francisco, California just go to CashinaMoment and complete the short, secure loan request form.

Do payday loans affect your credit?

Payday loans in San Francisco, California generally are not reported to the three national credit reporting companies, so there is no impact to your credit scores. If you do not repay a payday loan, it is possible that your file will go to a collection agency and a debt collector may report your debt to the credit bureaus. This is really the only time that payday loans will impact your credit score. If you get a payday loan and repay it on time, you will never have a problem.

Do payday loans require a credit check in San Francisco, California?

Payday lenders have few requirements for approval. Payday lenders do not normally perform a credit check. All you typically need is identification, a bank account in good standing, and a steady paycheck.

What credit score do you need to get a payday loan in San Francisco, California?

Your credit score does not affect your ability to get an online payday loan.

What are the benefits of San Francisco, California payday loans?

Here are 3 reasons why you benefit from getting San Francisco, California payday loans:

  • You will receive your cash fast

    If you need money now, the best payday lenders in San Francisco, California offer much faster application processes and quick approval, which allows you to receive the money within one business day if you apply online.

  • You are free to spend the money on whatever you need

    Once you receive the funds, you may use them to buy anything you want. But we recommend you only get a payday loan for emergency needs.

  • No hard credit check loans & most people qualify

    If your credit score has seen better days, you can still get a cash advance loan in San Francisco, California. All payday lenders check if you can repay the loan and focus on your current income, not your credit. Everyone who meets the basic requirements is eligible for a payday loan.

Payday Loans in San Francisco, California (CA) and Why You Need Them

The popularity of payday loans is very high. An urgent cash shortage can result in a sudden, one-time need for additional money.

Why Choose CashinaMoment for Payday Loans in San Francisco?

Here are a few benefits of requesting payday loans from CashinaMoment:

  • Immediate Decision, Every Day, 24/7

    A trusted resource, we have been in the business many years as a prime source of lender referrals and operate 24/7 and 365 days a year.

  • Bad Credit is Okay

    Over 100 lenders to refer you to = higher odds your request will be approved (not everyone is approved but we are pleased to say that over 80% of loan requests through CashinaMoment are granted).

FAQs - San Francisco Payday Loans

In the United States, an individual cannot be arrested or sent to jail for failure to pay a payday loan. A payday loan is a small amount of money, usually around $300, that is lent to someone who needs money for a short period of time. A creditor may pursue collection of a debt through the civil courts, but debtors cannot be prosecuted in criminal court for not paying a debt.

You must be 18 years old to legally sign a loan contract.

Yes, you can get a payday loan by applying online using the application form on our website. Payday loans are a quick way to get cash in a pinch, especially when you need it fast and don’t want to hassle with an in-person application or a complicated and drawn out loan process.

To get approved for an online cash advance in San Francisco, CA you just need to meet the basic direct lender requirements:

  • Be a citizen or legal resident, residence
  • Minimum regular income of $1,200, more is better
  • Valid checking or savings account with direct deposit
  • Phone number and email address (for contact purposes)
  • Not be an active member of the military
  • You must provide a valid Social Security Number

Yes, you can.

San Francisco, CA Payday loans are known as small-dollar, bad credit, same day, short-term cash advances up to $300. It's fast and easy and doesn't require any collateral or hard credit checks. It's very convenient to apply online. Lenders guarantee a decision in 90 seconds or less. The money is deposited directly into the bank account as soon as the process is approved and completed. The loan is paid off with your next paycheck within 14 – 31 days.

Sure, you can. Not a secret that many Bay Area residents have a FICO score below 640, which means average to poor credit. Still, if you need fast cash, you can apply for payday loans online.

Our online direct lenders of San Francisco provide short-term loans with no hard inquiry to any of the major credit bureaus. So, if you want to avoid credit checks, apply for online payday loans at CashinaMoment. They are available for any borrower regardless of their credit score. Lending companies will only consider your income to make sure you are able to repay the loan.