San Jose Payday Loans — Get The Safe Payday Advance AlternativeYou Need!


Payday loans can seem enticing when your bank account is empty. As attractive as San Jose payday loans appear, though, the high interest rates and short repayment terms mean you should avoid them.

On average, San Jose payday lenders charge 372% APR, making the loans difficult to repay. Because of that, many people take out multiple loans to get back on their feet. You can avoid this problem by learning about your other cash advance options. 

How to get a cash advance in San Jose right from your phone

Find out how to get a cash advance in San Jose without racking up the fees. 


Max Advance Amount: $250

APR: 0%

Credit Affects: None

Instacash from MoneyLion is proof that you can take out a short-term loan without paying lots of fees. In fact, Instacash charges zero interest and fees, so you only repay what you borrow.

MoneyLion will deposit the money into your RoarMoney or external bank account. If you go with the free regular delivery, the money will arrive in your RoarMoney account within 48 hours or your external bank account within five days. 

Don’t worry if that isn’t fast enough. Pay a small fee, and MoneyLion will deliver the cash instantly. 

How to Qualify: 

  • Be at least 18.
  • Have an active checking account with regular deposits.
  • Maintain a positive balance in the bank account. 
  • Have a checking account that’s been open for a minimum of 60 days. 

You can visit an in-person lender

There are many payday lenders in San Jose, although we do not recommend this type of lending, here are some fees and payday loan amounts you can expect. 

Max Payday Loan Amount: $300 

APR: 372% on average  

Credit Affects: Lenders don’t run credit checks to approve loans and don’t report payments to the credit bureaus. Some lenders do report late and missed payments.

Most in-person lenders allow you to walk in without an appointment. However, you do need to bring the right documents with you, or you won’t get approved. Bring your bank account information, pay stubs, and employer information for the lender to verify. 

The lender will likely need to call your employer to make sure you work there. This can be awkward, but the lender isn’t supposed to state that you are trying to get a loan. 

If you get approved, the lender will go over the terms of the loan with you. San Jose payday loans can only include up to $45 in fees. That’s a hefty amount to pay on a small-dollar loan, causing many people to pay a 372% APR. It’s not unusual for people to take out another loan on the due date because the repayment makes them short again. The terms are so unfavorable that you should avoid San Jose pay day loans

How to Qualify: 

  • Have an active checking account. 
  • Show proof of income and employment. 
  • Show proof of address. 

Instant online loan options in San Jose

Get the money you need in an instant while building your credit with a MoneyLion Credit Builder Loan.

Credit Builder Loan

Loan Amount: You could qualify for up to $1,000

Credit Affects: The average Credit Builder Loan user can boost their credit score by 60 points in 60 days!

Monthly Membership: $19.99/month

You can increase your credit score while borrowing up to $1,000 with a Credit Builder Loan from MoneyLion. MoneyLion will deposit some of your funds in your bank account, and the rest will go into a Credit Reserve Account, which is like a savings account.

Your savings account will accrue interest throughout the life of your loan, leaving you with a nice nest egg when you finish making payments. Then, you can access the account and use the funds as you wish. 

How to Qualify:

  • Be at least 18 years of age. 
  • Be a United States citizen or legal permanent resident of the country. 
  • Have a social security number. 
  • Have an active checking account, so you can repay your loan. 

What’s Included?

  • Up to $1,000, paid back in 12 monthly installments. 
  • Access to a weekly credit monitoring service that provides updates.
  • A Credit Reserve Account that accrues interest while you repay your loan. 
  • An average credit score increase of up to 60 points in 60 days. 
  • Additional Instacash benefits.

Comparing Your Cash Advance Loan Options in San Jose 

Find out how high-interest San Jose pay day loans compare to Instacash and a Credit Builder Loan. 

InstacashCredit Builder LoanIn-Person Payday Lender
How Much Can You Borrow?$250$1,000Up to $300
Fees & Interest– Free
– 0% APR
Competitive APR, $19.99/month feeAverage APR Of 372%
Impacts Your Credit?NoYes, it builds your credit scoreOnly if the borrower misses payments 
Availability– Mobile device
– Apply any time
– Mobile device- Apply any timeIn-person during regular business hours  
Wait TimeInstantlyInstantlyReceive a check or transfer immediately, but it might take a day or two to credit, depending on the bank 
Next StepsSign UpSign Up

Get the Money You Need Without Predatory Payday Loans

Don’t make the mistake of borrowing from a payday lender. The high interest rates and fees will make it hard for you to overcome your current financial situation. 

Instead, get back on your feet with Instacash or a Credit Builder Loan from MoneyLion. Don’t stop there, though. Get a RoarMoney bank account to unlock even more options. 

Are you two days away from payday and need cash? You can get paid two days early with your account. Do you need help saving? The account includes weekly spend reports, so you can find out how to get more out of your money. These are just two ways your account can help you, so sign up today.

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Get cash fast, pay no interest

Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

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