Payday Loans In San Diego

Quick Payday Loans Available in San Diego, California

In most case, if you’re considering a payday loan in San Diego, California, it’s because you are looking to get some quick cash in your bank account ASAP. The reasons are limitless – maybe you need some help paying bills. There could be an unexpected medical expense, car repair, or some other financial emergency that has taken you by surprise. Additionally, people may get payday loans in San Diego, California, just to help them cover food and gas expenses for a couple of days until they get their next paycheck.

Regardless of the reason, usually the most important factor is time. When looking at different payday loan companies in San Diego, the approval process is often times the deciding factor in choosing which payday loan to go with. The approval process at I Need Help Paying Bills is one of the fastest in the industry! The online application is short and sweet, and you’ll get an answer in two minutes or less. One reason is because we work with a network of over 100 lenders who have easy approval requirements, and they want your business.

Another important consideration is how long it takes to get the cash into your bank account. You’ll want to make sure the payday loan company can direct deposit the cash at least by the next business day. When comparing some of the payday loans companies, it’s very important to make sure you go with a company who has an unbeatable reputation. Be sure the terms and conditions on the payday loan are acceptable as well. You may be surprised at what some of the low-reputation companies try to get away with!

It is worth mentioning that I Need Help Paying Bills only has relationships with lenders who are licensed to operate in California and the other states in which our services are offered. We are also a highly reputable company, partly because we are very transparent. We do not have hidden fees or make it difficult to see exactly how much you will pay and when it is due. Everything is clearly provided to you up front, and you are under no obligation until you agree to the terms offered. Also, you will generally have some flexibility regarding your repayment options.

How Fast Can I Get Payday Loans in San Diego?

As mentioned previously, once you have submitted your application, you’ll receive a loan offer within 2 minutes. After you have reviewed the terms and accept the loan, you can have the cash direct deposited to your bank account as quickly as the next business day. The only exception would be if you submitted your application after 5pm PST, Monday-Friday. In that case, sometimes it can take up to 2 business days to receive your cash. This is mostly because your bank has certain cutoffs for receiving ACH and wire transfer deposits that are beyond our control.

Qualifications for San Diego Payday Loans

Bottom line – applying for a payday loan through I Need Help Paying Bills is very quick and easy.

Besides the fact that the online application is short and pretty easy to follow, the criteria are also rather flexible. Primarily, you have to live in a state that we operate in. We operate in all states where payday loans are legal, including California. Second, you must be at least 18 years old. Next, you need to have a regular and recurring source of income that is verifiable. Whether this is a part-time or full-time job, either one is acceptable. Some lenders are ok with government benefits. Also, you’ll need to provide us with your bank account information so we can direct deposit the funds straight to you.

Providing your most current contact information is very important. In terms of a required minimum credit score, the lenders in our network typically don’t have one when it comes to payday loans. We work with all types of credit – whether your credit history is good or bad, that’s ok! One of the things we take pride in is our ability to help people out who have less than perfect credit.

Speaking of credit scores, we do not perform a hard credit check. When you submit an application, we only do a soft credit pull. While this will show up as an inquiry, it does not actually affect your credit score. It is fairly standard to do soft credit inquiries for things like loan pre-approvals and background checks.

In conclusion, receiving payday loans in San Diego, California, is quick, easy, and safe with I Need Help Paying Bills. All you need to do is apply online through your computer or mobile device. You’ll receive a decision almost instantly on your application. If approved, in most cases you will receive your cash electronically by the very next business day.