Modesto Short-term Loan in 2025

Common Capital is a Help Organization dedicated to providing the public with comprehensive, accurate, and accessible online information about payday loans in California

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Eligibility Criteria for Personal Loans

  • Valid government-issued identification.
  • Proof of current residence, such as a utility bill or lease agreement.
  • Documented proof of a stable source of income, including recent pay stubs or a letter from an employer.
  • Active bank account in the applicant's name.
  • Personal references with valid contact information.
  • Minimum age of 18 years to apply.
  • Completed application form with accurate information.
  • No outstanding loans or cash advances from the NGO.

Trusted Short-term Loan Lenders in Modesto, CA

Discover reliable and transparent payday loan lenders committed to responsible lending practices, ensuring you access financial assistance with confidence and peace of mind. Explore our vetted and trusted partners today.

Lender
User Ratings
Address
Phone
Category
12M Loans
User Raiting:
5.00
Address: 1634 McHenry Ave, Modesto, CA 95350
Phone: +1 (209) 353-2716
Category: Loan agency
Advance America
User Raiting:
5.00
Address: 2401 E Orangeburg Ave Ste. 170, Modesto, CA 95355
Phone: +1 (209) 579-1508
Category: Financial institution
Browning Garry CPA Tax Preparation
User Raiting:
5.00
Address: 1101 Sylvan Ave, Modesto, CA 95350
Phone: +1 (209) 572-0111
Category: Financial institution
Oportun
User Raiting:
4.90
Address: 1620 Crows Landing Rd, Modesto, CA 95358
Phone: +1 (209) 263-0773
Category: Loan agency
ACE Cash Express
User Raiting:
4.90
Address: 2508 Oakdale Rd Ste C3, Modesto, CA 95355
Phone: +1 (209) 551-7911
Category: Loan agency
Apoyo Financiero Modesto
User Raiting:
4.70
Address: 1413 Crows Landing Rd, Modesto, CA 95351
Phone: +1 (209) 248-8415
Category: Loan agency
ACE Cash Express
User Raiting:
4.70
Address: 420 H St, Modesto, CA 95351
Phone: +1 (209) 526-8900
Category: Loan agency
Caliber Collision
User Raiting:
4.40
Address: 331 Bangs Ave, Modesto, CA 95356
Phone: +1 (209) 524-6824
Category: Financial institution
Check Into Cash
User Raiting:
4.40
Address: 2519 Coffee Rd Suite 101, Modesto, CA 95355
Phone: +1 (209) 576-7917
Category: Financial institution
Lendmark Financial Services LLC
User Raiting:
4.40
Address: 2225 Plaza Pkwy Suite M4-B, Modesto, CA 95350
Phone: +1 (209) 284-3100
Category: Loan agency

What Are the Alternatives for Short-term Loans in Modesto?

Explore safer financial solutions beyond payday loans, including credit counseling, installment loans, and local assistance programs designed to provide more sustainable and manageable financial support options.

Instant Installment Loans

Instant installment loans are personal loans divided into monthly payments, offering predictable repayment schedules. These loans are ideal for borrowers needing time to repay substantial amounts.

Fast Cash Loans

Fast cash loans provide borrowers with quick access to small amounts of money for urgent expenses. Often short-term, they're designed for financial emergencies requiring immediate action.

Quick Title Loans

Quick title loans use the borrower's vehicle as collateral, offering speedy access to funds. They're beneficial for those who own a vehicle outright and need fast financial assistance.

Emergency Loan Online

Emergency loan online services provide rapid funding for unexpected situations, ensuring swift access to necessary funds. They're essential for tackling unforeseen expenses like medical bills or urgent repairs.

Payday Loans Online

Payday loans online are short-term, high-interest loans borrowed against your next paycheck. They provide a convenient way to access funds using a straightforward online application process.

No Credit Check P2P Loans

No credit check P2P loans connect borrowers directly with individual lenders, bypassing traditional financial institutions. They're advantageous for those with poor credit seeking flexible borrowing options.

Guaranteed Debt Consolidation Loans

Guaranteed debt consolidation loans enable borrowers to merge multiple debts into a single payment plan. This simplifies repayment and can reduce overall interest, providing a structured debt-clearing approach.

Online Bad Credit Loans

Online bad credit loans cater to individuals with poor credit histories, offering vital financial solutions. Easy accessibility and tailored terms help borrowers rebuild their credit and manage emergencies.

How to Apply for Online Short-term Loans in Modesto

Research Lenders

Start by researching and compiling a list of credible payday loan lenders online. Look for lenders with positive reviews, clear terms, and transparent fee structures. Ensure that the lenders are licensed and adhere to regulations in the state where you reside. Avoid lenders with numerous complaints or lawsuits against them. By investing time in research, you can prevent dealing with predatory lenders, thereby finding an option that aligns with your financial needs and repayment capabilities.

Understand Loan Terms

Before applying, thoroughly understand the terms and conditions of the payday loan. This includes the interest rate, repayment period, and any additional fees or penalties that might apply. Be aware of the total cost of the loan, including the APR (Annual Percentage Rate), which provides a clear picture of what you'll owe. Ensuring clarity on these aspects will help you determine whether the loan is a financially viable option for your circumstances.

Prepare Necessary Documentation

Gather all the required documents needed for your application. Typically, lenders require proof of income, identification, and a valid checking account. Some lenders may also ask for references or proof of address. Having these documents ready in advance will streamline the application process. Ensure that all your information is up-to-date and accurate, as discrepancies can delay approval or result in rejection.

Complete the Application

Fill out the online application form with accurate personal, financial, and employment information. Double-check all details to minimize the risk of errors that could slow down or impact the approval process. Many online applications have a user-friendly interface, guiding you through each section. Submit your application after ensuring completeness, then wait for feedback from the lender, which typically arrives within a few hours to a couple of days.

Review and Accept the Loan Offer

Once your application is approved, review the loan offer carefully. This includes the loan amount, interest rate, repayment terms, and any additional conditions. Ensure that you fully understand all aspects of the offer. If satisfied, electronically sign the loan agreement to accept it. If any part of the offer is unclear or unsatisfactory, contact the lender for clarification or consider negotiating for better terms before committing.

How to Use Short-term Loans - Useful Resources

Explore essential resources and guidance on making the most of payday loans responsibly. Learn how to effectively manage short-term financial needs while avoiding common pitfalls and ensuring financial well-being.

Industry
Address
Phone
American Restaurant
Address: 2052 West Orangeburg Avenue, Modesto, CA 95350
Phone: +1 (209) 529-4049
Car Repair and Service
Address: 804 East Hatch Road, Modesto, CA 95351
Phone: +1 (209) 538-3052
Car Wash
Address: 523 Glass Lane, Modesto, CA 95356
Phone: +1 (209) 566-4855
Club & Association
Address: 3601 Ladd Road, Modesto, CA 95356
Phone: +1 (209) 236-1800
College/University
Address: 2201 Blue Gum Avenue, Modesto, CA 95358
Phone: +1 (209) 575-6550
Community Center
Address: 2501 McHenry Avenue, Modesto, CA 95350
Phone: +1 (209) 333-2649
Dentist
Address: 1130 Coffee Road, Modesto, CA 95355
Phone: +1 (209) 408-8309
Doctor
Address: 3105 McHenry Avenue, Modesto, CA 95350
Phone: +1 (209) 575-2700
Government Office
Address: 920 Sunset Avenue, Modesto, CA 95351
Phone: +1 (209) 577-5359
Hospital
Address: 1315 10th Street, Modesto, CA 95354
Phone: +1 (209) 238-4080
Hotel
Address: 4300 Bangs Avenue, Modesto, CA 95356
Phone: +1 (209) 543-9009
Library
Address: 4835 Sisk Road, Modesto, CA 95356
Phone: +1 (209) 543-7353
Local Post Office
Address: 2300 Sylvan Avenue, Modesto, CA 95355
Phone: +1 (209) 551-6903
Movie Theater
Address: 1025 13th Street, Modesto, CA 95354
Phone: +1 (209) 965-3965
Museum
Address: 1210 J Street, Modesto, CA 95354
Phone: +1 (209) 422-6143

How to Get to Modesto

Complaints about Short-Term Loans in California

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
1,141
Problem when making payments
528
Struggling to pay your loan
501
Problem with the payoff process at the end of the loan
416
Getting the loan
372
Charged fees or interest I didn't expect
291
Getting a line of credit
274
Incorrect information on your report
237
Problem with additional add-on products or services
182
Received a loan you didn't apply for
150
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Short-term lender in Modesto

If you have issues with a payday lender, contact the California Department of Business Oversight (DBO). They regulate and oversee payday lending in the state.

  • 1515 K Street, Suite 200, Sacramento, CA 95814
  • (866) 275-2677
Submit a Complaint

Frequently Asked Questions about Short-term Loans

How Does a Payday Loan Work?

Payday loans are short-term cash advances designed to cover emergency expenses. You borrow a sum of money, often due on your next payday, and repay it along with interest and fees.

Can I Get a Payday Loan with Bad Credit?

Yes, payday loans are accessible to those with bad credit. Lenders focus more on your ability to repay through regular income rather than your credit score.

What Are the Typical Requirements for Obtaining a Payday Loan?

To qualify for a payday loan, you usually need to provide proof of income, an active bank account, and identification. Requirements can vary by lender.

How Fast Can I Receive My Loan Funds?

Once approved, payday loans provide instant or fast cash, often within 24 hours, making them ideal for urgent financial situations.

Are Payday Loans Available for Personal Needs?

Yes, payday loans can be used for personal needs including unexpected expenses, medical bills, or car repairs. They offer flexibility in how the funds are used.

What Are the Costs Associated with Payday Loans?

Payday loans can have high-interest rates and fees. It's important to thoroughly review the terms and calculate the total cost before accepting a loan.

Can I Extend the Repayment Period on My Payday Loan?

Some lenders may offer extensions, or “rollovers,” but these often incur additional fees and interest. It is important to clarify options with your lender.

How Do I Repay My Payday Loan?

Repayment is typically done via a post-dated check or automatic bank withdrawal on your next payday. Ensure that the agreed amount is available in your account to avoid penalties.

What Happens if I Can't Repay My Payday Loan on Time?

Failing to repay your loan on time can result in additional fees, higher interest rates, and potential negative impacts on your credit score. Communicate with your lender immediately if issues arise.

Are Payday Loans Regulated?

Yes, payday loans are regulated, but regulations vary by region. It's crucial to understand local laws and lender practices to ensure fair treatment within your area.

How Do I Choose a Payday Lender?

Choose a lender by researching their reputation, licensing, and customer reviews. Compare terms, fees, and interest rates to find a trustworthy and affordable option.

California Short-term Loans Near Me

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