Loans in San Francisco County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for San Francisco County, CA.
The median household in San Francisco County earns $140,970 a year, 42% above the California median of $99,122. About 11% of residents live below the federal poverty line, and 61.8% of households rent their home.
What you need for a payday loan in San Francisco County
Lenders that serve San Francisco County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in San Francisco County
What San Francisco County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in San Francisco County
Payday Loans Legal
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Personal Loans
Under $2,500: tiered 12%-30%/yr.
Title Loans Legal
Car-title loans are legal in California as California Financing Law (CFL) loans.
Banks and credit unions in San Francisco County
Banks with branches in San Francisco County
198 FDIC-insured bank branches from 47 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 32 | 301 Clement St, San Francisco 94118 |
| Wells Fargo Bank, National Association | 29 | 3431 California St, San Francisco 94118 |
| Bank of America, National Association | 27 | 50 California St, San Francisco 94111 |
| Citibank, National Association | 19 | 99 Post St, San Francisco 94104 |
| U.S. Bank National Association | 10 | 350 California St, San Francisco 94104 |
| BMO Bank National Association | 9 | 295 Bush St, San Francisco 94104 |
| East West Bank | 9 | 555 Montgomery St, San Francisco 94111 |
| EverBank, National Association | 9 | 44 Montgomery St, San Francisco 94104 |
| Zions Bancorporation, N.A. | 3 | 100 Pine St, San Francisco 94111 |
| Bank of the Orient | 3 | 1023 Stockton St, San Francisco 94108 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in San Francisco County
25 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| The Golden 1 | 1560 3Rd St, San Francisco 94158 |
| Patelco | 124 2Nd St, San Francisco 94105 |
| Redwood | 1390 Market St, San Francisco 94102 |
| Self-Help | 2430 Mission St, San Francisco 94110 |
| Provident | 701 Sacramento St, San Francisco 94108 |
| San Francisco Fire | 3201 California St, San Francisco 94118 |
| San Francisco | 770 Golden Gate Ave, San Francisco 94102 |
| The Police | 802 Bryant St, San Francisco 94103 |
| I.L.W.U. | 400 N Point St, San Francisco 94133 |
| F3 | 175 Mendell St, San Francisco 94124 |
| Polam | 5923 Geary Blvd, San Francisco 94121 |
| Northeast Community | 127 Waverly Pl, San Francisco 94108 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in San Francisco County
All California counties and cities
Frequently asked questions
Are payday loans legal in San Francisco County?
San Francisco County follows California law. Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Are title loans legal in San Francisco County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in San Francisco County?
Options include 198 bank and 25 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in San Francisco County?
Fill out our short online form from anywhere in San Francisco County. We share it with lenders in our network that serve California; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in San Francisco County?
Yes. You don't need to visit a branch or storefront anywhere in San Francisco County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve California. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in San Francisco County with bad credit?
Yes, many lenders in our network work with San Francisco County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in San Francisco County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. San Francisco County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in San Francisco County, CA?
You can apply at banks, credit unions and lenders in San Francisco County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve California residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.