Payday Loans

Need cash today, but payday’s still a few days away? Consider a payday loan from DollarSmart! It is a fast and easy process:

  1. Call Us Today
  2. Visit any DollarSmart Location

Qualifying for a Payday Loan

Here are the steps to qualify:

  1. We will verify your employment/sources of income.
  2. We will confirm your home address and your contact phone.
  3. In California, we also need to confirm that you have an open and active checking account.

We can approve your application in just minutes so you can receive the cash you need. In addition, money orders are free with every check cashing or payday loan transaction!

• Up to $255 in CA

Check Cashing

People choose to cash their checks at DollarSmart because we offer a convenient, confidential, cost-effective option, and have the best customer service in the business.

DollarSmart cashes checks in all categories:

  • Tax Checks
  • Payroll
  • Personal
  • Two-Party
  • Money Orders
  • Insurance Drafts
  • Cashier’s Checks

Many banks refuse to cash checks for people in our community who do not have bank accounts. For those with bank accounts, banks can hold deposited funds for several days or even weeks until the check clears their banking system. This is inconvenient for customers who need cash immediately. While banks and other check cashing companies may limit the types or sizes of checks they will cash, employees are committed to cashing every good check that is presented to us.

Tax Checks

Cash your Tax Check at DollarSmart and receive your cash immediately. Check out our Locations page to find a branch near you!

Money Orders

DollarSmart money orders are like “prepaid Checks.” Customers use them to pay bills or make car and house payments.

When you cash a check or take out a payday loan with us, we offer 3 free money orders at no fee as a part of your transaction. DollarSmart money orders are only $0.49 cents each without any other transactions. Money orders can cost between $2 and $10 at banks.

*After three years in California, a money order loses some of its value. The specific reductions in value are printed on the back of every money order – please read the fine print to protect yourself!

* Ventura County Money Orders Cost $0.79 cents.

Wire Funds Transfers

DollarSmart offers Western Union Wire Transfer Services. Wire money in just minutes throughout the United States, to Mexico, or around the world through Western Union. The wire transfer service allows consumers and business to send funds quickly. Funds may be picked up at participating Agent Locations throughout the world.


Why would you wire transfer funds?

Western Union Wire Transfer Funds is used when money must go to another person or business fast and securely.

What is the typical turnaround time to send money to an individual using the Western Union Wire Transfer Service?

Money is typically ready for pick-up at any Western Union agent location within mere minutes! Whether in the United States, Canada, or throughout the world. Some destinations outside of the United States may take longer.

You can also pay bills through Western Union’s quick collect service. Quick Collect allows you to send a payment directly to a affiliate creditor in the United States. You will receive a Money Transfer Control Number (MTCN), which you can contact your creditor with to confirm payment.

We Buy Gold

(Simi-Valley & Chula Vista Stores Excluded)

In our recent attempts to offer more services to our customers, we are now buying Gold! Our professional staff will evaluate your gold and offer you the highest rates in town. Gold is at a record high, so if you need some extra cash, turn your Gold into Cash. Scraps welcome!

We Buy Giftcards

Sell us your unwanted giftcards and get a percentage back! Call us for details.


Additional Services

DollarSmart also offers additional services beyond check cashing, payday loans, money orders, Western Union wire transfers and bill pay services.

Fax Service and Copying

DollarSmart gives customers black and white copies of their documents at no extra cost. Fax services are $1.00 per page.

Payday Loans

Loan Amount Fees as a dollar amount Fees as an APR
$50 $8.83 460.42%
$100 $17.65 460.16%
$150 $26.47 460.07%
$200 $35.30 460.16%
$255 $45.00 460.08%
Fees / APR calculated based on a typical 14-day term