Installment Loans in Long Beach, CA Near You

If you use our loan request tool, which is free to use, you can tap into the network of lenders with just one form. This saves you from applying one-by-one and risking multiple searches on your credit report.

We use industry-standard encryption to protect your personal data and never pass it on or sell it to third parties outside the network of lenders.

We will attempt to connect you in a matter of minutes. If connected you will deal with direct lenders, meaning the application is completed directly on their page.

Installment loans are available for the following Long Beach zip codes: 90802, 90803, 90804, 90805, 90806, 90807, 90808, 90810, 90813, 90814, 90815, 90822, 90831, 90845, 90842, 90847, 90833, 90846, 90844, 90809, 90840, 90832, 90853, 90835, 90888, 90755, 90848, 90801, 90834.

Why online installment loans make sense

Applying for installment loans online in Long Beach makes sense as you do not have to travel to the lender or wait in line to speak to someone. You also don't have to fill out any physical paperwork or wait for days to know if you have been approved or not.

As long as you have an internet connection and a web browser, you can get started right away and you will usually know onscreen if you have been connected and the details of the lender's offer.

What's more, online lenders tend to be fairer in assessing your application than banks and traditional lenders. Those with a poor credit score are routinely approved online.

If you accept an offer, simply digitally sign the agreement and the lender will aim to deposit the loan within one working day, perfect if you are in a time-sensitive financial emergency, and need quick cash.

Installment loan requirements in Long Beach, CA

It doesn't take much to be eligible for an installment loan in Long Beach, all that's required is that you are:

• A legal resident of Long Beach with an address where you can be contacted.
• Registered on the social security database.
• 18 years of age or older, as lenders cannot issue loans to minors.
• On a verifiable income of at least $1,000 a month to ensure you are likely to make the agreed repayments on time.
• In possession of a bank account with checking capabilities so the loan can be easily deposited, and repayments automatically taken, as per the repayment schedule.
• Not likely to be called to combat or reserve within 30 days of receiving the loan, whether that be for the Army, Navy, Marine Corps, Air Force, or Coast Guard.
• Able to prove your identity and income status if the lender requires, by attaching digital documents and statements to your online application.

If you're able to tick off these requirements you are free to apply for an installment loan between $300 and $5,000, though lenders typically prefer to issue at least $1,000. The maximum loan duration is 60 months (roughly 5 years).

The exact amount you will be offered, the interest rate, and other terms will depend on your financial situation and the information you supply in the application. However, regulations in Long Beach stipulate that the APR will not be higher than 35.89% or lower than 6.63%.

All the loan providers we list have been checked to make sure they are licensed and meet these regulations, though it is always wise to check for misleading statements and marketing jargon.

For example, there shouldn't be any promises of no credit checks, instant matching, or guaranteed approval.

Of course, that doesn't mean those with bad credit won't be approved in a timely manner, but all lenders reserve the right to fairly check your financial history and make an assessment before agreeing to lend money.