Payday loans in Daly City, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Daly City, CA.
The median household in Daly City earns $123,547 a year, 25% above the California median of $99,122. About 8% of residents live below the federal poverty line, and 39.8% of households rent their home. When an unexpected bill hits before payday, Daly City residents can request $100 to $1,000 online in minutes.
California law that applies in Daly City
| Maximum loan | Your personal check cannot exceed $300. |
|---|---|
| Fee cap | The fee may not exceed 15% of the check amount ($45 on a $300 check). |
| Rollovers | Rollovers are prohibited. |
| Loans at once | A lender may not make a new payday loan to a customer while that customer has a payday loan outstanding with it. |
| Payment plan | A lender may extend the due date or offer a payment plan but does not have to. |
Full rules with statute citations: Payday Loans in California. Cities in California cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Daly City
Lenders that serve Daly City 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 Daly City
What Daly City borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Daly City
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve California.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
California does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Daly City
17 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | 135 Serramonte Ctr, Daly City 94015 |
| JPMorgan Chase Bank, National Association | 3 | 2800 Junipero Serra Blvd, Daly City 94015 |
| Bank of America, National Association | 2 | 33 Southgate Ave, Daly City 94015 |
| BMO Bank National Association | 2 | 239 Westlake Ctr, Daly City 94015 |
| U.S. Bank National Association | 2 | 329 Gellert Blvd, Daly City 94015 |
| Tri Counties Bank | 1 | 6600 Mission St, Daly City 94014 |
| Citibank, National Association | 1 | 495 Hickey Blvd, Daly City 94015 |
| East West Bank | 1 | 192 Skyline Plz, Daly City 94015 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Daly City
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Patelco | 362 Gellert Blvd, Daly City 94015 |
| Provident | 2171 Junipero Serra Blvd Ste 150, Daly City 94014 |
| Monterra | 415 Westlake Ctr, Daly City 94015 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: San Mateo County · Personal Loans in Daly City · Title Loans in Daly City
Frequently asked questions
Can I get a payday loan in Daly City, CA?
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI. You can request one online from Daly City through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Daly City?
Your personal check cannot exceed $300. At the maximum fee you receive $255.
How fast can I get a payday loan in Daly City?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Daly City residents can see if they qualify in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on California rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Daly City residents can see their options with our 3-minute form.
What is a payday loan in Daly City?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Daly City can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and California rules. See if you qualify in about 3 minutes.
How much does a payday loan cost in Daly City?
The fee may not exceed 15% of the check amount ($45 on a $300 check). Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Daly City borrowers in about 3 minutes.
Do I need to visit a store in Daly City?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.