12M Payday Loans operates as a storefront lender focused on short-term cash advances. The organization is listed with a Modesto address at 1634 McHenry Ave, Modesto, CA 95350, placing it within an urban commercial corridor that hosts a variety of consumer financial services. Its public-facing materials indicate a capacity to provide small-dollar loans typically intended to be repaid from the borrower's next paycheck, aligning with common payday loan models that emphasize rapid funding and streamlined applications.
Historically, payday lending networks have expanded through franchise-like or networked branding, leveraging local storefronts to offer immediate liquidity to customers who may face limited credit access. The Modesto location appears part of a broader regional presence, with references to additional California cities on related pages. Primary functions include loan origination, basic eligibility assessment, and funds disbursement, often accompanied by in-person customer service and documentation collection.
Operational scope encompasses regulated storefront activity within California, requiring standard identification and income proof for loan consideration. The facility integrates with a larger, web-linked footprint that advertises nearby locations and basic product offerings, emphasizing quick funding and straightforward repayment terms.
Better than 59% of providers in Modesto
Links and information about 12M Payday Loans:
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12mloans.comEDIT1: We have a main office in the city I live in. We operate several satellite location across the globe. Our fees are $30 for every $100 that is borrowed (every two weeks). We operate in about half the US - mostly in states that specifically have laws against or at least limiting payday loans.... We offer loans to customers that reputable companies (is there such a thing in the business?) would not make because of laws and limitations. We will never send an account to an outside collection...
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12M Payday Loans is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
12M Payday Loans is listed as a financial service provider in Modesto, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask 12M Payday Loans to explain the terms in writing before you proceed.
To improve your chances of getting better terms from 12M Payday Loans, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare 12M Payday Loans with other providers in Modesto and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
12M Payday Loans has a rating of 4.6, which is better than 59% of providers in Modesto.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents 12M Payday Loans requests. It is always best to call ahead using the phone number on this page so 12M Payday Loans can confirm exactly which documents you need for your specific situation.
In addition to its primary service, 12M Payday Loans also offers: Loan agency.