Payday Loans in Merced, CA | Cash Advance in Merced, CA

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Merced, CA Payday Loans Online

A payday advance–also called a payday loan–is a small dollar, short-term advance that is ideally utilized to help a person with small, frequently unanticipated costs. Payday loans are commonly used for things such as seasonal expenses (holiday gifts, for instance), or for surprise expenses like car or truck repairs.

Payday loans are short-term in nature and not meant to be utilized as long-term financial solutions or for larger purchases like a house or a vehicle. Unlike home or auto loans, they have less strict underwriting requirements, meaning they are far easier and faster to get. Payday loans are a safe and convenient way to permit an individual to stretch their purchasing power and help cover small, unplanned expenses.

Whether you’re dealing with seasonal expenses like vacation costs and back to school expenses or you need assistance with unanticipated bills or repairs, payday loans in Merced can assist you.

Fondly referred to as the “Gateway to Yosemite,” Merced is a small town in the San Joaquin valley situated between many of the major cities of California. Via car, it is at least several hours from Sacramento, San Francisco, Fresno, and Los Angeles. There are more than 83,000 people who live in Merced, and the area surrounding the town is heavily agricultural with milk, almonds, and chickens noted as some of the top commodities in the area. Despite this agricultural bent, Merced also boasts a diversified base of major employers including the County of Merced, the University of California at Merced, Mercy Medical Center, AT&T, and Walmart.

Even if you have a great, steady job from one of the major employers in Merced or another company like Starbucks, Target, or any of the dozens of other employers, we know hard times can surprise you. It can be very difficult to cover unexpected expenses while you’re on a tight budget. Direct Payday Loans is a wonderful resource to help you find a lender that will help you through this difficult time and get back to the things that matter most to you.

How much can I borrow in Merced, CA?

Merced payday advances range anywhere from $50 to $1,000 (or more) depending on several factors including: the state you live in, your income, and your employment status. The qualifications for payday loans are usually less strict than for conventional loans such as home or auto loans.

In exchange for the money you need, one of our lenders will charge a small fee on the principal amount that you borrow. The fee together with the original amount borrowed is normally due on your next payday.

If you require a little extra money before your next payday, try a fast & easy cash advance. We’ll help you get the money you need today so you can keep moving forward and get back to the things you love.

With Direct Payday Loans, you’ll be able to:

  • Get your loan in minutes
  • Read through and understand clearly defined fees & terms
  • Get a quick, easy short-term advance of cash (a payday loan)
  • You won’t need to provide a paper check

Borrowing properly

At Direct Payday Loans, we recommend that borrowers think about the amount of their next paycheck and identify how much they will earn. It is important that you also look at your budget in order to understand how much you can properly repay on your next payday.

Although the majority of payday loan providers enable you to “re-purchase” or roll over your loan, we don’t recommend this practice at Direct Payday Loans . Re-purchasing your loan can lead to a cycle of loans that end up costing you a lot more in the long run.

Bad credit? Not an issue in Merced

Payday advance loans aren’t like mortgage or car loans because they do not require heavy underwriting with credit checks and a deep in-depth look at your financial situation. Instead, they’re unsecured personal loans for small amounts used by people in need of short-term monetary support.

Our network of lending institutions understand this and are open to lending to people with less-than-stellar credit scores. In many cases, loans are based upon your income and other factors. Many lenders don’t even use a traditional credit check.

Note, however, that for bigger amounts–especially if they’re over $1,000–some loan providers may utilize your credit report to make a lending decision.

Get Payday Loans– No Faxing Required.

Our faxless payday advances permit anybody with internet access and a checking or savings account to access a quick cash loan to lower their economic stress.

Numerous types of loans online require evidence of identity, which typically implies faxing. With Direct Payday Loans, you will not be required to fax information, thanks to the technology that we’ve built.

Easy Online Application – Instant Approvals For Merced Residents

We have streamlined the online loan application procedure to make it fast and easy for you to request the cash loan you need. In fact, you can finish the application online in just a few minutes and get an instant decision  – click here to apply for a direct payday loan online in Merced.

In order to complete a successful application, you’ll need to make sure you have your social security number, source of income, and banking details convenient.

Direct Payday Loans Online in Merced: Money when you need it most.

Payday Loan Providers in Merced, CA

Though we think we have built an incredible platform that makes it far easier and less expensive for you to get the quick cash that you need, we also understand that some people prefer doing business in person. With that in mind, we have put together a quick guide to help you find a local payday advance provider in Merced so that you can go to a storefront near you.

Keep in mind that local payday loan providers have to rent retail space, which means their costs are usually much higher compared to the costs of online loan providers. What does this mean for you? Well, it likely means more fees and interest because the business has to pass its rent costs on to you.

Check Into Cash

Check Into Cash is a major, national provider of payday loans that has one location in Merced. The location has a good number of online reviews, and the reviews frequently cite the professionalism of the staff at the location as a major selling point.

1206 W Olive Ave
Merced, CA 95348
(209) 383-9118

Money Mart

With one location in Merced, Money Mart is another payday loan storefront that has a good number of positive reviews online. As with Check Into Cash, the reviewers note that the staff is professional, friendly, and helpful.

550 W Olive Ave
Merced, CA 95348
(209) 726-9570