Payday Loans in Sacramento, CA

Everyone has had unexpected expenses at some point in their lives. Whether you’re a resident near Davis or Folsom, LendUp serves all California residents.

Maybe you need a car repair or an appliance that unexpectedly quits working, medical bills or just the timing of your regular bills not lining up with your payday, one thing is for sure -- worrying about how to pay for those unexpected expenses can be stressful.

It can be especially nerve-wracking if you don't have access to traditional bank loans or credit cards because your credit score doesn't meet the lender's requirements. At LendUp, we understand you may have a need for a short-term loan to tide you over until you can get back on your feet. Here are the answers to some of the questions we hear frequently from our customers in California.

Are you a Licensed Payday Lender Near Sacramento, California?

Yes. With our headquarters in San Francisco, we are proud to be a California-licensed lender. We are also a direct lender in the state of California. That's a win for our customers because it means there's no need for a middleman in the loan process.

Why Should Sacramento Residents Choose a California-Licensed Lender for a Payday Loan?

Choosing a licensed lender in your state of residence is important because that means your lender is subject to state-specific laws and regulations, in addition to federal regulations.

California has very specific rules designed to protect California consumers from predatory lending and other fraudulent practices. This includes state oversight of the lender's operations and lending practices.

If you choose a lender that's not licensed with the state, the lender may not be playing by the same set of rules and is not subject to oversight or inspection. This can mean you risk potentially unfair or improper treatment.

What Are the Requirements to Apply for a Payday Loan with you if I’m a Sacramento resident?

We want to make the process of applying for your new short-term loan as painless as possible. Here are the basic requirements for potential borrowers:

  1. State of residence: First, potential borrowers need to live in a state where we operate. As previously mentioned, we are a licensed lender California residents can choose. If you live in another state, check our rates and notices page to determine whether or not we will be able to offer you a loan if your application is approved and to view important legal information about loans for residents of your state.

  2. Your age: Are you at least 18 years old? If so, you are old enough to apply for a loan from LendUp.

  3. Income source: Prospective borrowers must have a recurring source of income in order to be considered. This is required because we need to know that you will have the means to repay a loan if your application is approved. Even if you don't have a regular job, you may still have a recurring source of income if you receive regular payments from the government or from another source.

  4. Checking account: When you apply for a loan from LendUp, we will ask for information about your checking account. Your account must be open, active and able to accept EFT deposits (electronic transfers).

  5. Not active military: We do not extend loans to active members of the military at this time, nor can we extend a loan to you if you are the dependent of an active member of the armed services.

  6. Your phone number: We require a phone number that takes incoming calls.

  7. Your email address: We also ask you to provide an email address so we can send correspondence related to your application and loan if applicable.

  8. Your current contact information. All applicants must provide a current address and other current contact information. We use this to help combat fraud and to provide customer service communications and other important notices.

Why Choose LendUp for a Sacramento Payday Loan?

At LendUp, we understand that your credit report and score don't tell the whole story about your financial picture. Even if you don't qualify for traditional bank financing, you may still qualify for a loan from LendUp. Our goal is to help people access the credit they need by rewarding and encouraging positive behavior that can ultimately improve their credit scores. In California, customers can earn points to graduate to higher levels of the LendUp Ladder over time. This may result in your payment history being reported to the three major credit bureaus. When you make your payments on time, you may have the opportunity to increase your credit score. Our loan products don't have any hidden fees, and our interest rates and terms are often more favorable than those offered by other lenders.

We know that when you need money, you need a decision fast. That's why our application process is short and applicants can receive a decision in just minutes. Finally, we promise we won't sell your personal information to any other organization, regardless of whether your application is approved or not. If you need funds fast to help meet your expenses for a short period of time, consider applying for a loan from LendUp. To find out why we are the licensed lender CA residents trust for short-term lending needs, contact us today.

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