Professional Payday Loans Online in Modesto, CA
Managing day-to-day life in Modesto often means balancing planned expenses with sudden surprises. Having access to the right financial tools can make that balance easier.
Checkmate proudly serves Modesto residents with fully online payday loans that make borrowing simple and secure. With Instant Funding, you can receive approved funds quickly; no travel, no delays.
Unlike many traditional banks that slow you down with lengthy paperwork and unclear terms, we prioritize transparency, confidentiality, and respect. You’ll always know your terms upfront with no hidden fees or confusion.

Apply online today for Instant Funding through Checkmate and get the help you need, right when you need it.
Years of Experience
For more than 35 years, we have helped Modesto residents with reliable payday loans and financial services built on trust.
Families Helped
We have assisted thousands of families in Modesto with short-term financial solutions that ease stress and help cover urgent needs.
Compassionate Services
Customers in Modesto value our patience, professionalism, and respectful service. Many rate their experience with us as 5 stars.
Benefits of Trusted Payday Loans
When sudden expenses hit, you need financial support that works quickly and clearly. We focus on services that meet real needs in Modesto.

Fast Access to Funds
Bills and emergencies rarely wait. Our online loan portal lets you apply anytime and receive funds quickly. Many Modesto customers see deposits the same day. We move with speed so you can handle expenses without delay.

Simple Application Process
Applying for a loan should never feel overwhelming. Our application takes only minutes to complete. You can apply online and paperwork is kept minimal so you can move forward quickly.

Confidential and Respectful Service
Money concerns are personal, and we handle them with care. Every customer is treated with confidentiality and respect. Our Modesto team listens, explains your options clearly over the phone, and keeps the process free from judgment. You always know the terms, and you remain in control.
Serving Modesto with Reliable Financial Solutions
Unexpected bills should not slow you down. Our payday loans are designed to give Modesto residents fast, practical support. Apply online or call our team for assistance, whichever works best for your schedule. We are ready to help when you need it most.
PLEASE NOTE: We provide full online and phone consultations for all Modesto residents. If you wish to meet in person, you are always welcome to visit any of our existing locations in San Diego, Kearny Mesa, Vista, San Ysidro, Chula Vista, El Cajon, Oxnard, Simi Valley, Indio, El Centro & Calexico.
Proudly Serving All of Modesto & Surrounding Communities
Visit Our California Locations
El Cajon
1103 Broadway, El Cajon, CA 92021
Phone: (619) 401-1667
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday8:00 am - 6:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Chula Vista
461 Broadway, Chula Vista, CA 91910
Phone: (619) 409-9916
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 6:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Oxnard
1460 Doris Ave, Oxnard, CA 93030
Phone: (805) 487-1553
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 7:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Oxnard
1420 W Channel Islands Blvd, Oxnard, CA 93030
Phone: (805) 247-0616
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 7:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Simi Valley
3998 Cochran St #3, Simi Valley, CA 93062
Phone: (805) 581-3799
Office Hours
SundayClosed Monday10:00 am - 6:00 pm Tuesday10:00 am - 6:00 pm Wednesday10:00 am - 6:00 pm Thursday10:00 am - 6:00 pm Friday10:00 am - 6:00 pm Saturday10:00 am - 3:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Vista
897 E Vista Way, Vista, CA 92084
Phone: (760) 941-9600
Office Hours
SundayClosed Monday10:00 am - 6:00 pm Tuesday10:00 am - 6:00 pm Wednesday10:00 am - 6:00 pm Thursday10:00 am - 6:00 pm Friday10:00 am - 6:00 pm Saturday11:00 am - 3:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Kearny Mesa
9211 Clairemont Mesa Blvd #102, San Diego, CA 92123
Phone: (858) 277-1000
Office Hours
SundayClosed Monday10:00 am - 6:00 pm Tuesday10:00 am - 6:00 pm Wednesday10:00 am - 6:00 pm Thursday10:00 am - 6:00 pm Friday10:00 am - 6:00 pm Saturday9:00 am - 3:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
San Ysidro
642 E San Ysidro Blvd #50, San Ysidro, CA 92173
Phone: (619) 662-3960
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 6:00 pm Saturday10:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Indio
83244 US Highway 111, Indio, CA 92201
Phone: (760) 775-6833
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 6:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
El Centro
200 N Imperial Ave, El Centro, CA 92243
Phone: (760) 336-3110
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 6:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards
Calexico
825 Imperial Ave, Calexico, CA 92231
Phone: (760) 768-3666
Office Hours
SundayClosed Monday9:00 am - 6:00 pm Tuesday9:00 am - 6:00 pm Wednesday9:00 am - 6:00 pm Thursday9:00 am - 6:00 pm Friday9:00 am - 6:00 pm Saturday9:00 am - 4:00 pm Holiday Hours12/24: 9am - 4pm; 12/25: Closed; 1/1/26: Closed
Services
- Loans
- Check Cashing
- Western Union
- Money Orders
- Netspend Cards


