Loans in Modoc County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Modoc County, CA.
The median household in Modoc County earns $59,455 a year, 40% below the California median of $99,122. About 18% of residents live below the federal poverty line, and 22.6% of households rent their home. 10.9% of households have no home internet; our form works on any phone.
Modoc County money snapshot
| Modoc County | California | |
|---|---|---|
| Median monthly rent | $836 | $2,036 |
| Households earning under $35,000 | 24.1% | 17.8% |
| Renters spending 30%+ of income on rent | 44.8% | 55.6% |
| Households with Social Security income | 48.2% | 28.3% |
| Households receiving SSI | 7.3% | 5.9% |
| Households receiving SNAP benefits | 14.0% | 12.6% |
| Adults who are veterans | 11.7% | 4.3% |
| Households with one car | 30.2% | 30.6% |
| Households with two or more cars | 65.0% | 62.5% |
| Unemployment rate (Modoc County, August 2026) | 6.2% | 5.4% |
| Median age | 47.5 | 37.9 |
- 48.2% of Modoc County households receive Social Security (California: 28.3%). Many lenders in our network count benefits as income — see loans for Social Security recipients.
- Modoc County is home to many veterans — 11.7% of adults (California: 4.3%). See loans for veterans for what lenders look at.
- 24.1% of Modoc County households earn under $35,000 a year (California: 17.8%). Lenders in our network look at steady income, not just salary size — see loans for low-income borrowers.
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (not seasonally adjusted).
On our Cash Strain Index, Modoc County ranks #40 of 56 California counties (#1 = most financial strain).
What do I need to get a payday loan in Modoc County?
Lenders that serve Modoc County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
How much can I borrow in Modoc County?
Online payday loan requests through our network typically run $100 to $1,000. The lender decides the final amount based on your income.
What Modoc County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Modoc County
Payday Loans Legal
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Personal Loans
Under $2,500: tiered 12%-30%/yr.
Title Loans Legal
Car-title loans are legal in California as California Financing Law (CFL) loans.
Loan businesses in Modoc County
The Census counted no consumer-lending or check-cashing storefronts in Modoc County in 2023. That's why most Modoc County borrowers apply online: our short form reaches lenders that serve the area, and many deposit funds by the next business day.
Source: U.S. Census Bureau, County Business Patterns 2023 (NAICS 522291 consumer lending; NAICS 522390 other activities related to credit intermediation, which includes check cashing).
Banks and credit unions in Modoc County
Banks with branches in Modoc County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Plumas Bank | 1 | 510 N Main St, Alturas 96101 |
| U.S. Bank National Association | 1 | 346 N Main St, Alturas 96101 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Modoc County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Sage | 1030 N Main St Ste 101, Alturas 96101 |
Source: NCUA credit union branch data, June 30, 2026.
All California counties and cities
Frequently asked questions
Are payday loans legal in Modoc County?
Modoc County follows California law. Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Are title loans legal in Modoc County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in Modoc County?
Options include 2 bank and 1 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Modoc County?
Fill out our short online form from anywhere in Modoc County. We share it with lenders in our network that serve California; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
What is the median household income in Modoc County?
The median household income in Modoc County is $59,455 a year, compared with $99,122 across California (Census ACS 2020–2024). Lenders look mainly at steady income you can show, such as paystubs or regular benefit deposits.
Can I get a loan on Social Security income in Modoc County?
You can apply. 48.2% of Modoc County households receive Social Security income (California: 28.3%). Many lenders in our network accept regular benefit deposits as income if they go into a checking account in your name.
What is the unemployment rate in Modoc County?
6.2% in August 2026, up from 6.1% a year earlier (U.S. Bureau of Labor Statistics, not seasonally adjusted). If you're between jobs, some lenders accept other regular income such as benefits.
Are there loan stores near me in Modoc County?
Modoc County had 0 consumer-lending businesses and 0 check-cashing and other credit-service businesses in 2023 (Census County Business Patterns). You can also skip the trip and request a loan online in about 3 minutes.
What is the average rent in Modoc County?
Median gross rent in Modoc County is $836 a month, compared with $2,036 across California (Census ACS 2020–2024). If rent is due before payday, a small online loan can cover the gap; compare the total cost first.
Can I get a loan in Modoc County with bad credit?
Yes, many lenders in our network work with Modoc County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Modoc County, CA?
You can apply at banks, credit unions and lenders in Modoc County, or apply online from anywhere in the county. Online requests are often the quickest way to reach lenders in our network. Our free form sends a single request to lenders in our network that serve California residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.