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California Check Cashing Stores in San Jose, CA

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In San Jose, CA, California Check Cashing Stores at 1720 W San Carlos St offers check cashing and money services.

Data compiled from public sources

California Check Cashing Stores Review

California Check Cashing Stores is located at 1720 W San Carlos St in San Jose, CA, a convenient standalone location for residents needing quick check cashing services. The store operates in a busy commercial area of San Jose, making it easily accessible for locals and businesses alike. Hours are Monday through Friday 9AM-7PM, Saturday 10AM-4PM, and closed Sundays.

At the 1720 W San Carlos St location in San Jose, you can cash checks, get money orders, pay bills, and access other financial services. The staff can help you with check verification and processing. For service details or to confirm availability, call +1 408-287-0990.

When visiting California Check Cashing Stores at 1720 W San Carlos St in San Jose, bring a valid government ID. This San Jose location is profiled for anyone needing quick check cashing access, bill payment, and money services without a bank account. The store offers reliable service at rate claims to verify.

Services & Features

Bill Pay
California Payday Loans
Check Cashing
Green Dot Visa Debit Cards
Online Loan Applications
Payroll Advances (up to $250, in-store and online)
Reloadable Debit Cards
Tax Preparation
Western Union Money Orders
Western Union Money Transfers

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Multiple San Francisco locations (at least 3), reducing travel distance for city residents
  • Extended weekday hours — 9 AM to 7 PM Monday through Friday
  • Saturday availability (10 AM to 4 PM) for customers who can't visit during the week
  • Western Union money transfer and money orders available in-store
  • Online loan application option — can start the process without visiting a branch
  • Green Dot Visa Debit Cards and reloadable debit cards available for the unbanked
  • Tax preparation services offered alongside check cashing and loans

Cons

  • Closed Sundays with no exception, limiting access for some customers
  • Payday loan rates and fees are not disclosed on the website — requires an in-store visit to learn the true cost
  • Payroll advances capped at $250, which may be insufficient for larger emergency cash needs
  • The site's own notice acknowledges these products can be expensive when used repeatedly
  • Services and loan availability explicitly vary by location with no clear listing of which branches offer what

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in San Jose, CA. It does not confirm that California Check Cashing Stores or this specific location is licensed.

State regulator

California Department of Financial Protection and Innovation (DFPI)

Money services context in California

Short-term lending status: Legal

General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100

California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Key state rules to check

  • Payday loans capped at $300 with maximum fee of $15 per $100 (459% APR equivalent).
  • The California Consumer Financial Protection Law grants DFPI broad enforcement authority.
  • Licensed finance lenders under the California Financing Law can charge rates above usury for loans under $10,000.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does California Check Cashing Stores offer?

California Check Cashing Stores offers 10 services including Check Cashing, Payroll Advances (up to $250, in-store and online), California Payday Loans, Western Union Money Transfers, Western Union Money Orders, and 5 more.

What profile signals are listed for California Check Cashing Stores?

California Check Cashing Stores has profile signals associated with Unbanked individuals who need to cash checks without a bank account, People needing to send money internationally via Western Union, Residents who need a reloadable prepaid debit card as a banking substitute, Customers who need same-day bill payment or a small payroll advance.

What are the strengths and weaknesses of California Check Cashing Stores?

Key strengths: Multiple San Francisco locations (at least 3), reducing travel distance for city residents; Extended weekday hours — 9 AM to 7 PM Monday through Friday; Saturday availability (10 AM to 4 PM) for customers who can't visit during the week. Areas to consider: Closed Sundays with no exception, limiting access for some customers; Payday loan rates and fees are not disclosed on the website — requires an in-store visit to learn the true cost.

How does California Check Cashing Stores compare to similar companies?

In the Check Cashing & Money Services category, comparable providers include Check Cashing & Grocery Deli Liquor Wine & Beer, Express Loans, Money Exchange Hernandez. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
1720 W San Carlos St, San Jose, CA 95128
BBB Accredited
No
Visit California Check Cashing Stores

CreditDoc Profile Note

Research Note on California Check Cashing Stores

California Check Cashing Stores is best suited for unbanked or underbanked San Francisco residents who need to cash checks, send money, or cover a short-term cash gap without a bank account. The main caveat is cost: payday loans and payroll advances are short-term, high-fee products, and the company does not publish its rates — anyone with access to a credit union or bank should exhaust those options first.

Profile Signals

  • Unbanked individuals who need to cash checks without a bank account
  • People needing to send money internationally via Western Union
  • Residents who need a reloadable prepaid debit card as a banking substitute
  • Customers who need same-day bill payment or a small payroll advance
Updated 2026-05-08

Similar Companies

Check Cashing & Grocery Deli Liquor Wine & Beer logo

Check Cashing & Grocery Deli Liquor Wine & Beer

Check cashing service combined with grocery deli and liquor retail located in San Jose. Offers check cashing, money orders, and beverage/food sales.

BBB: NR

Profile signals: Unbanked or underbanked customers in the San Jose area needing same-day cash access, Customers seeking convenient one-stop shopping combining financial services with grocery/liquor purchases

Express Loans logo

Express Loans

ACE Cash Express operates physical locations offering check cashing, payday loans, bill payment, and money transfer services without requiring a bank account.

BBB: NR

Profile signals: Unbanked or underbanked consumers needing to cash checks without a bank account, Individuals seeking immediate bill payment options in cash at physical locations

Money Exchange Hernandez logo

Money Exchange Hernandez

Money Exchange Hernandez offers check cashing, money orders, wire transfers, and bill payment services in San Diego's San Ysidro neighborhood with extended hours.

BBB: NR

Profile signals: Unbanked and underbanked consumers without traditional bank accounts, Cross-border commuters and San Ysidro residents needing rapid money transfer services

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Quick Summary

  • California Check Cashing Stores is listed as a Check Cashing & Money Services provider in San Jose, CA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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