What people think about Otay Financial?
Below you get acquainted with some of the reviews of our clients.
I applied for a $1,000 payday loan when I needed money after dismissal from work. There simply was no other solution. I came across this lender on the Internet. Other lender charged unbelievable rates. One lender refused me, another accepted me for a smaller amount but here it got as much as I wanted.
Palma Strosin
It needed to fix my credit because I had no chances of getting accepted for a mortgage. So I applied for a payday loan via Otay Financial. Took out 3 small loans, one after another, and repaid them on schedule. My credit score improved! It worked! Very satisfied.
Zella Paucek
Last week I needed $700 to cover utility bills. I decided to contact Otay Financial. They only approved me for $600 but the process itself was transparent, and their rates were good.
Myrtice Rolfson
Important
Below you can read general information about payday loans and their common features.
Payday Loans in San Diego, Texas
A payday loan is a short-term loan that can help you cover sudden cash needs until you get your next paycheck. Available amounts typically range from $100 to $1,000.
Payday loans may turn out an easy and speedy solution to a short-term problem in San Diego, Texas. Loans from payday lenders can get you funds same day. Your APR will depend on several things.
APR
can exceed 400%
Max Loan
Not Specified (on average $800)
Min Term
7 days
Max Term
180 days
Why people take out payday loans?
70%
Car expenses50%
Treatment40%
Vacation30%
Clothes30%
Home improvement
Payday loans for bad credit
A poor credit score doesn't have to prevent you from applying for payday loans. They are one of the few easy loan products offered to consumers with a poor credit history. Payday loan approvals depend very much on other aspects. Lenders will look at your earnings and subtract all your expenses. Usually, your score won’t be ruined by a payday loan, as long as you repay it in full and on scheduled.
To get approved for a payday loan, you must meet the following eligibility criteria:
- be 18 years old or older;
- be a U.S. citizen or permanent resident;
- be employed and have a steady income;
- have a valid checking account in your name;
- have an email address and phone number.
Rate Your Credit Score
300
579
- No ability to get a loan
- No ability to rent a room
670
739
- 80% of loan approval
- Apply for all loan types
740
799
- 95% of loan approval
- Apply for all loans including mortgage
Rate your APR
Use the below online calculator to quickly calculate the annual percentage rate and learn the exact cost of the loan immediately.
APR Calculator
Other Payday Lenders in San Diego, California
OneWest Bank
225 Barranca St Suite 100, West Covina, CA 91791, USA
+1 (626) 859-4260
www.onewestbank.com
Gateway Financial Advisors, Inc
16831 Sycamore Ave, Patterson, CA 95363, USA
+1 (209) 613-7900
www.lindamurdock.net
Cashback Loans
6273 Rosemead Blvd, Temple City, CA 91780, USA
+1 (626) 287-9900
www.cashbackloans.com
Cohen Financial Group
9595 Wilshire Blvd #810, Beverly Hills, CA 90212, USA
+1 (310) 777-5401
www.cohenfinancialgroup.com
Bank of America (with Drive-thru ATM)
4525 Scotts Valley Dr, Scotts Valley, CA 95066, USA
+1 (831) 461-6006
locators.bankofamerica.com
California Check Cashing Stores
2126 El Camino Ave, Sacramento, CA 95821, USA
+1 (916) 641-2274
www.ccfi.com
Premier Financial
22020 Clarendon St #201, Woodland Hills, CA 91367, USA
+1 (818) 670-7787
www.mypremierfinancial.com
U.S. Bank ATM - San Jose - El Paseo de Saratoga
1550 El Paseo de Saratoga, San Jose, CA 95130, USA
+1 (800) 872-2657
usbank.com
