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.
What you need for 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
Popular loan amounts in Modoc County
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.
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.
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 several lenders at once. 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.
Can I get an emergency loan in Modoc County?
Yes. When an unexpected bill comes up, Modoc County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Modoc County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Modoc County residents can start any time, and it takes about 3 minutes.