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Cash Advance in San Jose, 95122

San Jose is well-known for its cultural diversity and warm weather. And, with over 970,000 residents, the city's economy flourishes through various careers and businesses.

However, when San Jose residents need quick cash for emergency expenses, they may turn to a cash advance or payday loan.

Continue reading to learn more about the necessary cash advance regulations before finding a lender.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Cash Advance Loans Defined

In California, cash advance loans are short-term loans that give borrowers access to money. Also called a payday loan, a borrower must repay the loan principal within a short period, typically a few weeks.

An important part of cash advance loans is interest rates and fees. Borrowers repay the loan, including the annual percentage rate (APR), which combines interest rates and fees.

San Jose follows California state regulations on cash advances. Before getting a San Jose, CA, payday loan, check these details:

  • APR: 372%
  • Maximum Loan Amount: $300
  • Rollovers: None
  • Maximum Loan Term: 31 days
  • Cooling-off Period: None
  • Repayment: Allowed if a borrower fails to repay the loan
  • Finance Charges:
    • $17.64 for every $100 borrowed
    • 15% of the amount advanced
  • Fee Restrictions: These apply to active military members and their dependents.

With quick access to funds thanks to cash advances, San Jose citizens who’re dealing with sudden expenses can access more financial options for a speedy resolution.

NOTE: If a borrower is unable to pay back the loan, they are charged late payment fees that vary depending on the lender.

What You Need for a Cash Advance Loan in San Jose

Before beginning the inquiry process, potential borrowers should first ensure they tick a few requirements.

Securing a cash advance loan in San Jose usually requires meeting and submitting these prerequisites:

  • Contact details (phone number and valid email)
  • Valid government-issued ID
  • Address
  • Social Security Number
  • Bank account
  • Proof of income
  • At least 18 years old

NOTE: Some lenders may request additional requirements

How to Choose the Appropriate Loan Type

Though convenient, payday loans are just one of many loan types.

San Jose allows loans for varying uses and terms. These are common loan types allowed in San Jose:

  • Installment Loan: An installment loan is a long-term loan that provides access to a lump sum amount for personal use. The borrower must repay the loan in set portions over a term.
  • Title Loan: Title loans use vehicles as collateral to secure the loan, but this collateral may be seized if the borrower is unable to repay the loan.

Choosing the right loan type for you involves considering these factors:

  • The amount needed
  • Loan repayment length
  • Interest rates and fees
  • Loan purpose
  • Whether collateral is required for the loan

How to Receive Cash Advance Loans From Third-Party Lenders

Online loans are convenient for many San Jose residents needing fast cash. But where can you find trustworthy online lenders?

Through our services, we can match you with third-party lenders who provide secure, city-compliant online cash advance loans.

Start the inquiry process by filling in our online inquiry form.

These are some of their beneficial online features:

  • Receive the loan by the same or next business day
  • Data security and encryption
  • Transparency over loan terms and conditions
  • Bad credit loan support

Does San Jose Allow Bad Credit Cash Advance Loans?

Since San Jose lenders may not necessarily perform credit checks for small loans, bad credit cash advance loans are permitted.

They prioritize your ability to repay the loan over your credit history, making it highly accessible.

Cash Advance Laws in San Jose

San Jose follows the California Deferred Deposit Transaction Law, which dictates how lenders and borrowers must manage payday loans.

Chapter 2, Section 23035(c.2) states: “That if the customer’s check is returned unpaid, the customer may be charged an additional fee of up to fifteen dollars ($15).”

This helps guarantee that all San Jose borrowers pay the required fees or face legal consequences.


Thanks to San Jose’s support for cash advances, many residents can access and receive financial support.

To get quick and secure online loans, fill out our inquiry form and await a message from our third-party lender.


This section covers common payday loan questions.

How Many Payday Loans Can You Have?

San Jose borrowers cannot have more than two outstanding unpaid loans.

Why Are Payday Loans So Much Easier to Qualify for Than Traditional Bank Loans?

Payday loans are easier to qualify for because they have less strict regulations compared to bank loans.

What Are Some Legit Online Payday Loans?

These are features to look out for in legit online payday loans:
Compliant with city and state laws
Interest and fee transparency
Manageable loan terms
Fast and secure service
Good customer support


1656 Tully Rd #2, San Jose, CA, 95122

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(408) 351-3745

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