From Escondido to Pacific Beach, residents across San Diego who find themselves in need of quick cash can find a payday loan online now. Our loans from Pheabs are not meant to be used long-lasting or for more significant purchases like buying a house or car but rather emergencies and unforeseen short-term costs. Whether you’ve been met with unexpected utility bills, medical costs or repair works, Pheabs can help you find the best payday loan in San Diego.


We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.

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The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.

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Soft search will not impact your credit score

We offer soft search loans that will check the basis of your credit record but not leave any visible footprint.

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Before submitting a form for a payday loan in San Diego, be sure to check that you are eligible. There are a few simple requirements that you must meet. To submit a form for a payday loan in San Diego, CA, you need to be over 18 and a US resident.

You must also have a steady income of at least $800 monthly and a checking account for the money to be paid into. Submitting a form for a payday loan will not have any effect on your credit rating.


Pheabs has streamlined the online loan form process to make it fast and easy for you to get the cash you need. Pheabs works with lenders around San Diego to make finding a loan that suits you is super fast!  There’s no need to drive down to a local payday storefront to source the cash you need when you could fill out a form online without leaving the couch.

There’s no need to fill out large piles of paperwork just complete our short online form in a few minutes and get an instant decision. Complete the form through Pheabs today to get started. Have your personal details and banking info on hand while completing the online form. You could have the money in your account just one hour after being accepted.

Even if you budget carefully, and work out monthly financial plans, unforeseen expenses can always catch you off guard. With Pheabs, you can borrow any amount between $100 and $35,000! Only borrow as much as is necessary to cover your emergency costs. Over-borrowing may make it difficult when it comes to repaying the loan.

You also have the flexibility to choose a repayment period that suits you. You can select from 2 weeks up to 5 years. With a short term loan, you can repay the funds in one final repayment once you have received your next wages, 2-4 weeks later. Longer-term loans can be borrowed as long as five years and paid back in equal instalments each month. If you become able to, you can repay early at any time, and this will allow you to save money on interest.

To borrow properly in San Diego, we recommend that you consider the quantity of your income and determine how much you can responsibly repay before accepting a loan. You should also make sure that you’re taking out a payday loan for the right reasons. A payday loan is not a long-term financial solution, but they are a good option in emergencies. It is irresponsible to use a payday to loan for frivolously spending or to make repayments on other loans.

Pheabs is willing to accept all credit histories, and you may find the perfect payday loan for you to boost your financial situation. Payday loans are designed to help all people in need of temporary monetary assistance. It doesn’t matter if you have bad credit. So long as you have a steady source of income, then a lender in San Diego may be willing to lend you the cash you need to make ends meet until payday.