Personal loans in Long Beach, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Long Beach, CA.
The median household in Long Beach earns $87,430 a year, 12% below the California median of $99,122. About 15% of residents live below the federal poverty line, and 58.8% of households rent their home.
California law that applies in Long Beach
| Rate cap | Loans under $2,500: tiered caps of roughly 12% to 30% a year, depending on balance. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The rate caps cover loans under $10,000. |
Full rules with statute citations: Personal Loans in California. Cities in California cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Long Beach
Here's what to have on hand before you start your personal loan request in Long Beach:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Long Beach
What Long Beach borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Long Beach
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Long Beach
51 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 11 | 6300 E Spring St, Long Beach 90815 |
| Wells Fargo Bank, National Association | 7 | 4540 Atlantic Ave, Long Beach 90807 |
| Farmers and Merchants Bank of Long Beach | 6 | 302 Pine Ave, Long Beach 90802 |
| Bank of America, National Association | 5 | 5101 E 2nd St, Long Beach 90803 |
| U.S. Bank National Association | 5 | 5430 E 2nd St, Long Beach 90803 |
| City National Bank | 2 | 100 Oceangate, Long Beach 90802 |
| Fifth Third Bank, National Association | 2 | 301 E Ocean Blvd, Long Beach 90802 |
| First Bank | 2 | 4040 Atlantic Ave, Long Beach 90807 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Long Beach
22 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 4201 Mcgowen St Ste 270, Long Beach 90808 |
| Schoolsfirst | 4725 E 2Nd St Ste D, Long Beach 90803 |
| Arrowhead | 5531 E Stearns St, Long Beach 90815 |
| Nuvision | 6547 E Pacific Coast Hwy Ste H7, Long Beach 90803 |
| Orange County'S | 1802 Ximeno Ave, Long Beach 90815 |
| Lbs Financial | 4436 Atlantic Ave, Long Beach 90807 |
| Financial Partners | 4210 Mcgowen St, Long Beach 90808 |
| Southland | 2250 N Bellflower Blvd, Long Beach 90815 |
| I.L.W.U. | 3447 Atlantic Ave, Long Beach 90807 |
| Calcom | 3748 Bayer Ave Ste 104, Long Beach 90808 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Los Angeles County · Payday Loans in Long Beach · Title Loans in Long Beach
Frequently asked questions
Can I get a personal loan with bad credit in Long Beach?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Long Beach. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Long Beach, CA?
Under $2,500: tiered 12%-30%/yr. $2,500-$9,999: 36% plus Federal Funds Rate. $10,000+: uncapped.
How fast can I get a personal loan in Long Beach?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do installment loans work in Long Beach?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Long Beach residents can see installment loan offers with our free 3-minute form.
How long does it take to get a personal loan in Long Beach?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Long Beach.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How can I get an emergency loan in Long Beach?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Long Beach residents can see their options in about 3 minutes.
Do I need to visit a store in Long Beach?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.