V
Venture Payday Loans
Contact
BBB:
300 Cash Loans in Glendale, AZ
300 Cash Loans Glendale, Arizona — 300 Cash Loans offers storefront payday loans, installment loans, and check cashing at California locations with no h...
Data compiled from public sources · Rating from CreditDoc methodology
300 Cash Loans Review
300 Cash Loans is a California-based storefront lender with physical branch locations in Escondido, El Dorado Hills, and Agoura Hills. The company positions itself as a community-focused local business under the tagline 'Local Business That Supports Locals,' operating out of suite-based office locations rather than traditional retail storefronts. Its Escondido branch is managed by Patrick Wilcox and is open seven days a week from 8am to 10pm.
300 Cash Loans offers three primary financial products at its California locations: payday loans, installment loans, and check cashing. Payday loans range from $50 to $1,000 and are structured as short-term cash advances repaid in a lump sum—principal plus fees—by the borrower's next payday, typically within 30 days. Funds are deposited via direct deposit to a checking account as soon as the next business day.
The company also accepts online applications in addition to in-person visits. The lender does not perform hard credit checks through major credit bureaus, making its products accessible to borrowers with bad or fair credit scores. S.
permanent resident with a valid government-issued ID, have an active checking account, and be able to demonstrate income via bank statements or pay stubs. Hours extend to 10pm daily, giving it broader availability than many competing storefront lenders. Honestly, 300 Cash Loans operates in a high-cost lending segment.
The website itself cautions that payday loans have a 'high cost' and should not be used routinely. Lump-sum repayment within 30 days creates meaningful rollover risk for borrowers who cannot repay in full on the due date. The company's footprint is limited to California, and loan amounts are capped at $1,000.
Borrowers in a position to qualify for a credit union payday alternative loan (PAL) or personal loan should compare those options first given the substantially lower cost.
Services & Features
Bad credit loan eligibility
Check cashing
In-person branch service (Escondido, El Dorado Hills, Agoura Hills CA)
In-store loan application
Installment loans
Next-business-day direct deposit funding
No hard credit check underwriting
Online loan application
Payday loans ($50–$1,000)
Same-day loan decision
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Open Monday–Sunday 8am–10pm — significantly wider hours than most storefront payday lenders
- No hard credit check through major bureaus, preserving credit score during application
- Next-business-day direct deposit funding for approved applications
- Accepts applicants with bad or poor credit scores
- Multiple California locations (Escondido, El Dorado Hills, Agoura Hills) with in-person service
- Online application available in addition to in-store visit
- Offers three products — payday loans, installment loans, and check cashing — at the same location
Cons
- High-cost payday loans with lump-sum repayment required within 30 days — the website itself warns against routine use
- Active duty military personnel are explicitly excluded under federal regulations
- Geographic coverage limited to three California locations; not accessible to most U.S. borrowers
- Loan amounts capped at $1,000, insufficient for larger emergency expenses
- Lump-sum repayment structure creates rollover risk if borrower cannot pay in full by next payday
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is 300 Cash Loans legitimate?
Yes. 300 Cash Loans is a registered company, headquartered in 6810 N 51st Ave, Glendale, AZ 85301.
Quick Facts
- Headquarters
- 6810 N 51st Ave, Glendale, AZ 85301
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on 300 Cash Loans
300 Cash Loans is best suited for California residents with poor credit who need a small amount of emergency cash quickly and have a clear plan to repay the full balance by their next payday. The main caveat is that these are high-cost, short-term loans — the company's own website warns against using them routinely — and the mandatory lump-sum repayment structure makes them a poor fit for anyone uncertain they can repay in full within 30 days.
Best For
- California residents with bad or fair credit who need $50–$1,000 for an immediate emergency
- Borrowers who need in-person service with extended evening or weekend hours
- People who need a same-decision loan without a hard credit bureau pull
- Those who can confidently repay the full loan amount by their next paycheck
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to 300 Cash Loans and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.