Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Modesto, California
California payday loan rules that apply in Modesto
- Max loan amount
- $300
- Min loan term
- 7 days
- Max loan term
- 31 days
- Finance charge cap
- 15% of check face value
- Max absolute fee
- $45
- Typical APR
- ~460%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 1 active loan
- Right to rescind
- Next business day
- Governing law
- California Deferred Deposit Transaction Law
- Regulator
- CA DFPI
Modesto at a glance
| Metric | Modesto | California | United States |
|---|---|---|---|
| Population | 268,575 | 39.2M | 332.3M |
| Median household income | $75,955 | $102,369 | $85,275 |
| Median rent | $1,589/mo | $2,042/mo | $1,432/mo |
| Income spent on rent | 33.1% | 34.0% | 31.6% |
| Homeownership | 57.9% | 56.5% | 65.4% |
| Poverty rate | 14.0% | 12.0% | 12.6% |
| Unemployment rate | 7.7% | 6.5% | 5.3% |
| Without health insurance | 6.1% | 6.9% | 8.6% |
| Veterans | 4.5% | 4.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Modesto
Move the sliders to see what a payday loan would cost under California rules and how it compares with local incomes.
California maximum: $300
California maximum: $15
Rollovers are not allowed in California.
- Fee
- $45
- Total to repay
- $345
- APR
- 391%
- Share of a two-week household paycheck in Modesto
- 1.5%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Modesto
- Fee on a $300 loan
- $45
- Share of a two-week household paycheck
- 1.5%
- Hours of work at the local median wage
- 2.6 hours
- Rollovers
- Not allowed in California
Example based on the California maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Modesto in context
- Population rank in California
- 16th
- of 213 California cities with 50,000+ residents
- Median household income rank
- 178th
- of 213 California cities with 50,000+ residents
- Households earning under $25,000
- 14.6%
- ▲ 1.9 pts vs CA
- Median home value
- $403,036
- ▼ 49% vs CA
- Home value to income
- 5.3×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday loan stores in Modesto, CA
Licensed storefront lenders in Modesto with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the CA DFPI before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1320 Standiford Ave Ste 8 Modesto, CA 95350 | (209) 572-2900 | — | 4.9 |
| 2508 Oakdale Rd Ste C3 Modesto, CA 95355 | (209) 551-7911 | — | 4.9 |
| 2800 McHenry Ave Suite 3, Ground Floor Modesto, CA 95350 | (209) 718-4313 | — | 4.9 |
| 420 H St Modesto, CA 95351 | (209) 526-8900 | — | 4.8 |
| 2101 Sylvan Ave #102 Modesto, CA 95355 | (209) 524-5014 | — | 5.0 |
| 2225 Plaza Pkwy Ste M4-B Modesto, CA 95350 | (209) 284-3100 | — | 4.7 |
| 2401 E. Orangeburg Ave., Ste. 170 Modesto, CA 95355 | (209) 579-1508 | Mon–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 3501 McHenry Ave Ste D10 Modesto, CA 95356 | (209) 215-2255 | — | 4.8 |
| 2900 Standiford Ave Ste 12 Modesto, CA 95350 | (209) 522-3247 | — | 3.8 |
| 1620 Crows Landing Rd G Modesto, CA 95358 | (209) 263-0773 | — | 4.9 |
Fast & secure payday loans in Modesto, California
Unexpected expenses can happen anytime. If you need urgent cash in Modesto, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Modesto residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $300 Loan terms must comply with the California Deferred Deposit Transaction Law.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Modesto residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by California law (California Deferred Deposit Transaction Law). Always review the contract terms carefully before signing.
Modesto payday loan FAQ
How much cash can I borrow in Modesto?
Loan amounts in Modesto are typically from $100 up to $300, in line with California lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Modesto to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Modesto with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Modesto?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Modesto residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Modesto or the surrounding California area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).