Online Payday Loans Near Me in Modesto, CA

Online Payday Loans Near Me in Modesto, CA

So, do you urgently need a short-term loan in Modesto? Know that you always have a choice:

  • apply for a loan online (advantages),
  • find a direct lender near you (list).

Payday Loans Online 24/7 [Modesto]

Apply Online

What are the main benefits?

  • Fast: instant application review and approval in a few minutes.
  • Easy: short form and minimal requirements for the borrower.
  • Anytime: applications accepted 24 hours a day, 7 days a week.
  • Short-term loans: up to $1,000.
  • Installment loans: up to $5,000.
  • Transparent terms: no hidden or additional fees.
  • Safe: personal information is 100% protected (SSL).
  • Any credit score: including no and bad credit history.

Locations served:

  • Postal Codes & ZIP Codes: 95350, 95351, 95352, 95353, 95354, 95355, 95356, 95357, 95358, 95397
  • Area Codes: 209

List of Direct Lenders in Modesto, California (or nearby)

Company Phone Address ZIP
OneMain Financial +1 209-522-3247 2900 Standiford Ave Ste 12, Modesto, CA 95350
California Check Cashing Stores +1 209-578-2727 1800 Prescott Rd #1a, Modesto, CA 95350
ACE Cash Express +1 209-718-4313 2800 McHenry Ave Ste 3, Modesto, CA 95350
ACE Cash Express +1 209-572-2900 1320 Standiford Ave Ste 8, Modesto, CA 95350
Cash1 +1 209-248-4966 3440 McHenry Ave Suite E2, Modesto, CA 95350
California Check Cashing Stores +1 209-222-3761 417 McHenry Ave, Modesto, CA 95354
ACE Cash Express +1 209-526-8900 420 H Street, Modesto, CA 95351
ACE Cash Express +1 209-551-7911 2508 Oakdale Rd Ste C3, Modesto, CA 95355
Advance America +1 209-579-1508 2401 E Orangeburg Ave #170, Modesto, CA 95355
Oportun +1 209-263-0773 1620 Crows Landing Rd Ste G, Modesto, CA 95358
Apoyo Financiero +1 209-248-8415 1413 Crows Landing Rd, Modesto, CA 95351
Lendmark Financial Services +1 209-524-5014 2101 Sylvan Ave #102, Modesto, CA 95355
Mariner Finance +1 209-215-2255 3501 McHenry Ave #D10, Modesto, CA 95356
Lendmark Financial Services +1 209-284-3100 2225 Plaza Pkwy #M4-B, Modesto, CA 95350
ACE Cash Express +1 209-845-2274 1190 E F St #6A, Oakdale, CA 95361
ACE Cash Express +1 209-537-6900 2517 Mitchell Rd Ste B, Ceres, CA 95307
Lendmark Financial Services +1 209-252-0234 3206 Countryside Dr, Turlock, CA 95380
OneMain Financial +1 209-669-6853 729 N Golden State Blvd, Turlock, CA 95380

Basic Information You Need to Know

Loan Terms, Amount, Rates, and Fees in Modesto, CA, USA

Short-term loans in Modesto, California, offer a quick financial solution for residents facing unexpected expenses. Under California law, the maximum loan amount is 300 dollars, with repayment terms typically ranging from 1 to 4 weeks. Lenders in Modesto charge a maximum fee of $15 (that is, $300 loan would have a 45 fee). It’s important to review the loan agreement carefully to understand the terms, fees, and repayment schedule before borrowing.

About Small Loans Online or Near Me (In-Store)

Modesto residents can access small loans through online lenders or local in-store providers (nearby). Online payday loans offer convenience, allowing you to apply from home and receive funds directly into your bank account, often within one business day. In-store lenders provide a personal touch, with face-to-face assistance and immediate access to cash. Whether you choose an online or in-store option, ensure the lender is licensed and complies with California’s lending regulations to protect yourself from predatory practices.

Short-Term Credit Regulatory Authority in Modesto, California

Short-term loans in Modesto are regulated by the California Department of Financial Protection and Innovation (DFPI). The DFPI enforces state laws to ensure lenders operate ethically and transparently. Licensed lenders must adhere to strict guidelines, including fee caps and clear disclosure of loan terms. Borrowers can file complaints with the DFPI if they encounter unfair practices or violations of state regulations.

Do I Need to Provide Proof of Income?

Yes, most payday lenders in Modesto require proof of income to approve your loan application. This ensures you have the ability to repay the loan on time. Acceptable forms of proof include recent pay stubs, bank statements, or other documentation showing a steady income source. While lenders may not perform a traditional credit check, they will verify your income and employment status to assess your eligibility. Providing accurate and complete information helps streamline the application process.