Payday Loans in Modesto, California

According to The Pew Charitable Trusts, about 5.5 percent of U.S. adults have taken out at least one recent payday loan. They may have used their loans to cover various expenses, including rent and other regular living costs, and unexpected expenditures such as a high utility bill or a car repair. If you can relate and are in need of a short-term loan, you may want to consider LendUp’s payday loan alternative. Why consider LendUp? We’re a direct lender licensed to operate in the state of California and we believe our products are a safer alternative to traditional payday loans.

Fast payday loans in Modesto

As a resident of Modesto, you may look for speed and efficiency when applying for a payday loan or payday loan alternative. As an online lender, LendUp offers better payday loan alternatives that offer the safety of a direct, licensed lender and the convenience of an online application. Skip the rush-hour traffic on State Route 132, and instead, apply from anywhere on your smartphone or home computer in as little as 5 minutes. Get an instant decision, and if you’re approved by 5 p.m. PST on a weekday, you may be able to have the funds directly sent to your bank account as early as the next business day. Check out our FAQ for further information.

LendUp does not perform a hard (traditional) credit check. When you apply for car loans, bank loans, mortgages, apartments, and even some student loans, companies may perform hard credit pulls which could impact your credit score, regardless of whether you’re approved or not. LendUp does not perform a hard credit pull, but rather a soft credit inquiry that does not impact your credit score with the major credit bureaus, nor does it show up on your credit report. Also, you won’t be turned away for having bad credit.

LendUp works with a wide range of applicants for our Modesto payday advance alternative, and we have approved many customers who have poor credit scores. In fact, our main goal is to help such people improve their financial path. That’s why we offer free financial education courses.

We have some requirements in order to qualify for a LendUp loan. You must be age 18 or older, a California resident, and have documentable recurring income. The income can be from work, whether it is part-time or full-time, from a government benefits program, or from another source. You should also have an active checking account capable of receiving electronic deposits. Finally, you cannot be in active duty in the military or a dependent of someone who is active duty in the military.

Applying online for our Modesto payday loans

At LendUp, we're very clear on the rates, terms, and fees of our loan products. We don't believe in hidden fees or debt-traps like rollovers, because we want you to pay back the payday advance on time and get on track to better financial standing. That's why you'll always know the entire amount you'll pay back before you take out the loan. Transparency is paramount to us because we know it's important to your financial success.

With LendUp, getting cash advances in Modesto is straightforward. Apply on your computer or smartphone, and receive a decision right away. If you are approved, provided you applied on a weekday before 5 p.m. PST, we can send the funds to your checking account as early as the next business day. For details on funding time, see our FAQ.

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