Payday Loans in Merced, California

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

Payday Loan Companies in Merced, CA

Company nameAddressZip codePhone number
ACE Cash Express 150 W Olive Ave 95348 +1 (209) 385 - 2271
ACE Cash Express 1340 W Olive Ave Ste 102 95348 +1 (209) 385 - 2271
Advance America 1828 W Olive Ave 95348 +1 (209) 384 - 7621
American AgCredit 711 W 19th St 95340 +1 (209) 384 - 1050
Apoyo Financiero Merced 1459 Martin Luther King Jr Way Suite 9 95340 +1 (209) 382 - 6170
Check `n Go 1102 W 16th St 95340 +1 (209) 383 - 1122
Check Into Cash 1206 W Olive Ave 95348 +1 (209) 383 - 9118
Fast Money Car Title Loans 1595 W 16th St 95340 +1 (209) 580 - 6747
Gold Star Mortgage Financial Group 3522 G St Unit 2G 95340 +1 (209) 349 - 8897
House Mart Home Loan Center 2800 Park Ave A 95348 +1 (209) 723 - 4000
Lendmark Financial Services LLC 510 W Main St Suite D 95340 +1 (209) 723 - 4206
Merco Credit Union 1911 M St 95340 +1 (209) 723 - 4285
Money Mart 550 W Olive Ave 95340 +1 (209) 726 - 9570
Money Mart 239 W 16th St 95340 +1 (209) 723 - 2200
Money Mart 550 W Olive Ave 95348 +1 (209) 726 - 9570
Montana Capital Car Title Loans 1029 Martin Luther King Jr Way 95341 +1 (209) 252 - 3070
Oportun 1950 Yosemite Pkwy 95341 +1 (855) 444 - 7001
Payday Services Plus 2864 G St 95340 +1 (209) 726 - 9350
Supreme Lending 3174 Collins Dr 95348 +1 (209) 600 - 7096
TNL Car Title Loans 95340 +1 (209) 248 - 6486
Travis Credit Union 1194 W Olive Ave 95348 +1 (707) 449 - 4000
Yosemite Farm Credit - Merced Branch 760 W 18th St 95340 +1 (209) 383 - 1116

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Merced, CA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Milpitas, CA, Online Loans in Mission Viejo, CA, Payday Loans in Modesto, CA, Payday Loan Without a Credit Check in Monrovia, CA, Bad Credit Loans in Montclair, CA, Quick Loan in Montebello, CA, Online Loans in Monterey Park, CA and Emergency Loan in Moorpark, CA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Merced, CA.

Beautiful sights of Merced, CA

Payday Loans Available in Merced, CA By The Following ZIP Codes:

95348, 95344, 95343, 95341, 95340

Are Payday Loans Legal In Merced, California?

Loan Rates and Fees, Laws and Regulations in California.

California Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$300
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges15% of the amount advanced

Merced, CA payday loan calculator

Payday loans in Merced, California, are a form of short-term, unsecured loans given to people who can’t afford the cash they need. They are typically given to those that have had their bank account closed due to bad credit. A payday loan can be an amount of time up to six months or one year depending on the lender.

The applicant needs a steady income and valid identification, a bank statement with two months of account activity, and current proof of address before applying for a payday loan in Merced, CA. The borrower will be held responsible for paying the maximum allowed interest rate and making the monthly payments back before their next paycheck arrives (typically pay-day).

The single biggest difference from a payday loan is that you do not have to pay it back at all if you can’t find an alternate way to pay your bills. It also only requires a small down payment to get a loan instead of collateral. It’s easy to qualify for this loan, but it’s important to make sure that you can afford the repayments, which are typically very high.

If the applicant has had their bank account closed for three or more years, it will be much harder for them to qualify for loans in Merced, CA.

How to Find a Good Direct Lender in Merced, CA Online

If you are looking for a good direct lender in Merced, CA, you will want to find someone available to speak with you about your current financial situation. Lenders need this information to determine if you qualify for the loan and how much of a loan you will get.

The longer it takes to get this information from a reliable source, the less likely it will be available by the time you apply for the loan. This means that searching for one can take longer than expected and may not be as productive as expected. The best way to find a good person quickly is online through an official website, where reviews have been posted on many of their lenders.

You will want to make sure that you look at the website yourself to get a feel for the lender. Their website should have a page that allows you to search for a lender based on their location, which is easy to find on an online map. The lender should also have a good reputation for being honest and available to their clients so that you can feel good about hiring them.

Cash Advance Online in Merced, CA

You have found a great website that allows you to search for a lender in Merced, California. You have decided to go with the first one that you look at, and they provide great information that you are comfortable using. Now, it’s time to start filling out the application. The application form is usually fairly straightforward, with basic information about your employment and employment history and your bank account.

In many cases, lenders will want to know where their money will be coming from to understand how much they can give out in online loans. This information can vary depending on the lender, but many will require proof of income and bank accounts before giving out their loans.

Once your form is filled out, you will submit it to the lender and wait for them to get back in touch. You should be able to talk with the lender online very quickly, within 24 hours, and receive an answer from them shortly after that. If you have any questions about their response, you can ask them before making your final decision.

Getting Money from Your Lender in Merced, CA

After you have agreed on a loan amount and repayment schedule with your lender in Merced, California, it’s time for them to deposit the money into your bank account. They will usually do this right away since they want to keep track of when their money is coming out just as much as you do.

There are very few cases where a lender will not be able to provide the loan online and instead will have it mailed to you through a physical check. This is typically done for bigger loans but can also be done if the borrower does not qualify for an online loan.

Can I Get a Payday Loan for Bad Credit in Merced, CA? 

If you have poor credit, this does not mean that you will not be able to get a payday loan. Some lenders in Merced, CA, do offer a way to get one, and it’s worth it to look into them.

Some lenders will let you sign up for an account online if your credit is bad or nonexistent. You can then use their web application to apply for the loan, just like someone with good credit. In some cases, the lender will let the borrower borrow more money than someone with great credit, but this will always be decided on a case-by-case basis and depends on how much money you make each month.

Some lenders in Merced, California, that offer loans to people with bad credit will give you more money than others simply because they are more concerned about whether or not you can pay it back. The lender ultimately decides the decision to lend money and their assessment of your ability to pay.

What happens with my credit score when I get a payday loan in Merced? Your score will likely not go down when you take out a loan, but it will stay the same or may even go up slightly over the life of the loan. This is because your AAOA (Current Account Activity) will increase and then drop back down closer to zero once the bill is paid off. The AAOA is one of the three things that make up your consumer score, the other two being revolving credit utilization and new credit.

A payday loan will not hurt your score because most lenders will not report it to the credit bureaus. The only time your score will be hurt by taking out a payday loan is if you have poor credit or do not pay back the loan on time. If this happens, they will report it, and you may be denied any further loans until they are paid off.

24 Hour Payday Loans in Merced, California

Instant payday loans in Merced, CA, are typically for short-term financial needs when you don’t have much time to find a lender. But there are a few things that you need to be aware of before applying for one.

A credit check will generally be required when applying for this type of loan in Merced, CA. A credit check is usually completed by the lender so that they will know your current financial history and how likely it is that you can pay off the money by making timely payments on the loan.

A payday loan will typically cost $40-$500, payable in a monthly payment. However, the amount you pay back each month will depend on several factors and is generally not as simple as just multiplying the loan amount by twelve.

To understand how much you need to pay back each month when using this type of loan, lenders have created a table that helps illustrate how much you should be paying back. This table shows how much it costs to borrow $100 for two weeks and the percentage of your paycheck towards paying off the loan each month. The first column tells you how much you should borrow each month. The next column tells you the percentage of your check towards paying back the loan. It’s important to remember that the rates will vary depending on many factors and should not be taken exactly as a rule.

Requirements for payday loans in Merced, California

  • the borrower must be at least 18 years of age;
  • a bank account and a verifiable source of income;
  • no outstanding loans from other financial institutions.

The borrower could not have any criminal convictions within the past ten years, resulting in jail time or borrowing money from another financial institution within the past ten years unless repayment was received in full.

FAQ

How to Get Bad Credit Loans in Merced, California?

Merced, CA, payday loans are not only for people with great credit but also for those with poor credit. It doesn’t matter what your credit is like when you apply for this type of loan. You will have to pass a credit check to qualify for the loan, but that’s it. Some lenders will let you apply over the internet, and if you are approved, they will get back to you quickly and set up the loan.

Are there Guaranteed Loans in Merced, CA

In some cases, you may want to get a guaranteed loan in Merced, CA. You are guaranteed to receive a guaranteed loan and not have your application turned down. In other words, you will be able to borrow money with a secured loan if your credit is bad or nonexistent.

How do I apply for a Payday Loan in Merced, California?

The borrower has to show that they make at least $1050 per month and have had the same job for at least 90 days before applying for the payday loan in Merced, CA. These requirements are to protect borrowers from taking on too much debt from lenders and putting themselves into financial trouble.

Look for Short-Term Loans in Other Cities:

Adelanto Alameda Alhambra Aliso Viejo Altadena Anaheim Antelope Antioch Apple Valley Arcadia Azusa Bakersfield Baldwin Park Banning Beaumont Bell Bell Gardens Bellflower Beverly Hills Brea Brentwood Buena Park Burbank Burlingame Calexico Camarillo Campbell Carlsbad Carmichael Carson Castro Valley Cathedral City Ceres Cerritos Chico Chino Chino Hills Chula Vista Citrus Heights Claremont Clovis Coachella Colton Compton Concord Corona Costa Mesa Covina Culver City Cupertino Cypress Daly City Dana Point Danville Davis Delano Diamond Bar Downey Dublin El Cajon El Centro El Dorado Hills El Monte Elk Grove Encinitas Escondido Fair Oaks Fairfield Fallbrook Folsom Fontana Fountain Valley Fremont Fresno Fullerton Garden Grove Gardena Gilroy Glendale Glendora Goleta Hacienda Heights Hanford Hawthorne Hayward Hemet Hesperia Highland Hollister Huntington Beach Huntington Park Indio Inglewood Irvine La Habra La Mesa La Mirada La Puente La Quinta La Verne Laguna Hills Laguna Niguel Lake Elsinore Lake Forest Lakewood Lancaster Lawndale Lincoln Livermore Lodi Lompoc Long Beach Los Altos Los Angeles Los Banos Los Gatos Lynwood Madera Manhattan Beach Manteca Martinez Menifee Menlo Park Milpitas Mission Viejo Modesto Monrovia Montclair Montebello Monterey Park Moorpark Moreno Valley Morgan Hill Mountain View Murrieta Napa National City Newark Newport Beach North Highlands Norwalk Novato Oakland Oakley Oceanside Ontario Orange Orangevale Oxnard Pacifica Palm Desert Palm Springs Palmdale Palo Alto Paramount Pasadena Paso Robles Perris Petaluma Pico Rivera Pittsburg Placentia Pleasant Hill Pleasanton Pomona Porterville Poway Rancho Cordova Rancho Cucamonga Rancho Palos Verdes Rancho Santa Margarita Redding Redlands Redondo Beach Redwood City Rialto Richmond Riverside Rocklin Rohnert Park Rosemead Roseville Rowland Heights Sacramento Salinas San Bernardino San Bruno San Clemente San Diego San Dimas San Francisco San Gabriel San Jacinto San Jose San Juan Capistrano San Leandro San Luis Obispo San Marcos San Mateo San Pablo San Rafael San Ramon Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Maria Santa Monica Santa Paula Santa Rosa Santee Saratoga Seaside Simi Valley South Gate South San Francisco Stanton Stockton Sunnyvale Temecula Temple City Thousand Oaks Torrance Tracy Tulare Turlock Tustin Union City Upland Vacaville Vallejo Ventura Victorville Visalia Vista Walnut Walnut Creek Watsonville West Covina West Hollywood West Sacramento Westminster Whittier Wildomar Woodland Yorba Linda Yuba City Yucaipa