# Payday Loans in Long Beach, CA: Rates & Alternatives (2026) | PayKedge > Long Beach, CA payday loan options under California law. 467k residents, $80.0k median income. Local credit unions & alternatives. Источник: https://paykedge.com/city-directory/ca/long-beach-ca/ --- # Payday Loans in Long Beach, CA **Payday loans are legal in Long Beach, CA under California law: a typical fee is $17.65 per $100 for 31 days (~208% APR), so borrowing $300 costs about $52.94 in fees.** Below: where Long Beach residents can apply, the licensed-lender rules that apply, and cheaper local alternatives worth comparing first. PayKedge is paid by the lenders we match you with. We rank options by cost, not commission. JC **Reviewed by [Jared Castellano, AFC®](/authors/jared-castellano/)** · Last updated 2026-05-24 **On this page** Do you have a utility bill you can't pay? Are you facing more than one urgent bill? Are you a member of a bank or credit union? What if a loan is my only option? Checklist before you apply anywhere Common Questions You need cash now. But the right choice depends on your situation. This guide maps out the best options, from 0% APR help to regulated loans. ### Long Beach Loan Rules - Payday loans are capped at $300 for 31 days. - Credit union Payday Alternative Loans (PALs) have a max 28% APR. - The median rent is $1,650, a major factor for most budgets. - Long Beach ZIPs with high demand include 90802 and 90804. ## Do you have a utility bill you can't pay? If your main crisis is a power or gas bill, skip a loan and call for aid first. California’s LIHEAP program offers assistance for households near 150% of the poverty line. If you have a shutoff notice, you can jump the usual 2–4 week processing queue. This is a grant, not a loan, so it costs you $0. ## Are you facing more than one urgent bill? Dial 211 in Long Beach. This single number connects you to local hardship funds for help with rent, utilities, transportation, and food. This nonprofit aid is your best first call for multiple financial pressures. It provides support at a $0 cost to you, keeping you away from high-interest debt. ## Are you a member of a bank or credit union? Ask your current financial institution about a small-dollar loan before anywhere else. Major banks offer products like Balance Assist or Simple Loan to existing customers. These range from $100–$1,000. They use your deposit history instead of a credit check. While their cost is roughly 100–200% APR, it is often lower than a typical [payday loan](/payday-loans/). If you belong to a credit union like LBS Financial or Financial Partners Credit Union, ask about a Payday Alternative Loan (PAL). These are capped at a much lower 28% APR. Plan on a 30-day membership wait before you qualify. ## What if a loan is my only option? Use a regulated California lender. State law caps these loans at $300 for a maximum term of 31 days. This [California framework](/by-region/california/) is strictly enforced. Borrow only what you are sure you can pay back from your next paycheck to avoid a cycle of debt. Most providers serve a 25–50 mile radius around the city. ## Checklist before you apply anywhere 1. Call 211 to ask about hardship grants. 2. Contact your utility company about LIHEAP assistance. 3. Ask your own bank or credit union about small-dollar loans. 4. Compare all options using the APR. Lower is better. 5. Know the exact date you can repay. Mark it on a calendar. 6. Only then, if needed, [apply](/apply/) for a regulated product. ## Common Questions Are there local credit unions in Long Beach that offer cheaper loans? Yes. LBS Financial Credit Union and Long Beach City Employees Federal Credit Union offer Payday Alternative Loans (PALs). Their APR is capped at 28%, which is a fraction of a storefront payday loan's cost. Expect a 30-day wait after joining before you can apply. What's the maximum payday loan amount in Long Beach? California state law sets the maximum at $300. The loan term cannot exceed 31 days. This is the legal limit for these types of loans in the city. I'm in the military. Do different rules apply? Yes. If you are a covered borrower under the Military Lending Act, federal law caps the APR on most consumer credit at 36%. This provides significant protection against high-cost loans. Where can I learn about other options? Our guide on [15 alternatives to payday loans](/beyond-payday/) ranks options by their APR. It provides a broader view of potential solutions for short-term cash needs. #### See your Long Beach options Match with California-licensed lenders only. Compare cost against lower-rate alternatives on the same page. [See my options](/apply/) 🔒 256-bit encrypted · CA-compliant --- #### Credit unions near Long Beach - LBS Financial Credit Union - Long Beach City Employees Federal Credit Union - Financial Partners Credit Union Find every credit union serving Long Beach on the [NCUA official locator ↗](https://mapping.ncua.gov/). --- #### Local nonprofits - United Way of Long Beach - Catholic Charities (California region) - California Reinvestment Coalition - CalEITC --- #### Other California cities - [Anaheim, CA](/city-directory/ca/anaheim-ca/) - [Bakersfield, CA](/city-directory/ca/bakersfield-ca/) - [Chula Vista, CA](/city-directory/ca/chula-vista-ca/) - [Concord, CA](/city-directory/ca/concord-ca/) - [Corona, CA](/city-directory/ca/corona-ca/) - [Elk Grove, CA](/city-directory/ca/elk-grove-ca/) - [Escondido, CA](/city-directory/ca/escondido-ca/) - [Fontana, CA](/city-directory/ca/fontana-ca/) - [Fremont, CA](/city-directory/ca/fremont-ca/) - [Fresno, CA](/city-directory/ca/fresno-ca/) - [Fullerton, CA](/city-directory/ca/fullerton-ca/) - [Garden Grove, CA](/city-directory/ca/garden-grove-ca/) - [Glendale, CA](/city-directory/ca/glendale-ca/) - [Hayward, CA](/city-directory/ca/hayward-ca/) - [Huntington Beach, CA](/city-directory/ca/huntington-beach-ca/) - [Irvine, CA](/city-directory/ca/irvine-ca/) - [Lancaster, CA](/city-directory/ca/lancaster-ca/) - [Los Angeles, CA](/city-directory/ca/los-angeles-ca/) - [Modesto, CA](/city-directory/ca/modesto-ca/) - [Moreno Valley, CA](/city-directory/ca/moreno-valley-ca/) - [Oakland, CA](/city-directory/ca/oakland-ca/) - [Oceanside, CA](/city-directory/ca/oceanside-ca/) - [Ontario, CA](/city-directory/ca/ontario-ca/) - [Orange, CA](/city-directory/ca/orange-ca/) - [Palmdale, CA](/city-directory/ca/palmdale-ca/) - [Pasadena, CA](/city-directory/ca/pasadena-ca/) - [Pomona, CA](/city-directory/ca/pomona-ca/) - [Rancho Cucamonga, CA](/city-directory/ca/rancho-cucamonga-ca/) - [Riverside, CA](/city-directory/ca/riverside-ca/) - [Roseville, CA](/city-directory/ca/roseville-ca/) - [Sacramento, CA](/city-directory/ca/sacramento-ca/) - [Salinas, CA](/city-directory/ca/salinas-ca/) - [San Bernardino, CA](/city-directory/ca/san-bernardino-ca/) - [San Diego, CA](/city-directory/ca/san-diego-ca/) - [San Francisco, CA](/city-directory/ca/san-francisco-ca/) - [Santa Ana, CA](/city-directory/ca/santa-ana-ca/) - [Santa Clarita, CA](/city-directory/ca/santa-clarita-ca/) - [Santa Rosa, CA](/city-directory/ca/santa-rosa-ca/) - [Simi Valley, CA](/city-directory/ca/simi-valley-ca/) - [Stockton, CA](/city-directory/ca/stockton-ca/) - [Sunnyvale, CA](/city-directory/ca/sunnyvale-ca/) - [Thousand Oaks, CA](/city-directory/ca/thousand-oaks-ca/) - [Torrance, CA](/city-directory/ca/torrance-ca/) - [Visalia, CA](/city-directory/ca/visalia-ca/)