Payday Loans in San Mateo County, California
San Mateo County is home to roughly 691,276 residents across the 16 cities we serve. The statewide playbook applies at every counter here: borrow at most $300, pay at most 15% in fees, repay within 31 days.
Get Your Cash Match
One form - offers from lenders licensed to serve California
Household income in San Mateo County runs about 50% above the typical California city, so a $255 cash advance is more often a bridge than a lifeline here.
Cost snapshot for San Mateo County
| You borrow | Fee (14 days) | Total due (14d) | APR (14d) |
|---|---|---|---|
| $100 | $15 | $115 | 391% |
| $200 | $30 | $230 | 391% |
| $255 | $38.25 | $293.25 | 391% |
| $300 | $45 | $345 | 391% |
Cities in San Mateo County
Major cities
Smaller communities
Tribal loans in San Mateo County
Need more than the $300 state cap allows? Tribal installment lenders serve San Mateo County online — see the real biweekly math and the risks before signing:
- Tribal loans in Daly City
- Tribal loans in San Mateo
- Tribal loans in Redwood City
- Tribal loans in South San Francisco
- Tribal loans in San Bruno
- Tribal loans in Pacifica
- Tribal loans in Foster City
- Tribal loans in Menlo Park
- Tribal loans in Burlingame
- Tribal loans in San Carlos
- Tribal loans in East Palo Alto
- Tribal loans in Belmont
- Tribal loans in Millbrae
- Tribal loans in North Fair Oaks
- Tribal loans in Half Moon Bay
- Tribal loans in Hillsborough
- How tribal loans work →
Nearby counties
San Mateo County FAQ
Are payday loans legal in San Mateo County?
Yes — San Mateo County follows California's Deferred Deposit Transaction Law (Cal. Fin. Code § 23000 et seq.), which legalizes payday lending statewide with a $300 cap and 15% maximum fee.
Who regulates payday lenders in San Mateo County?
The California Department of Financial Protection and Innovation (DFPI), regardless of county. Verify any lender at dfpi.ca.gov before signing.
Can I borrow more than $300 in San Mateo County?
Not as a payday loan. The $300 cap is uniform across California. Larger needs call for an installment loan — which uses a different (and separately regulated) statute.
Ready to compare offers in San Mateo County?
See what lenders in our network can offer you — checking rates won't affect your credit score. Statewide rules apply in San Mateo County: $300 max, 15% fee, no rollovers.
Apply online