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Cash Advance in Long Beach, 90802

Long Beach, a major port city in Southern California, has a diverse economy that ranges from manufacturing to marine research. Residents who are facing temporary financial issues in this city can turn to cash advance loans as a potential solution.

Cash advances can get Long Beach residents cash to pay for emergency expenses, like medical bills.

Learn more about the requirements and regulations concerning cash advances here.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Cash Advance Loans: A Definition

Cash advance loans, or payday loans, are short-term loans with high interest rates. The accompanying interest rates and fees for these loans are combined into annual percentage rates (APRs).

They typically accrue interest immediately after the borrower receives the cash.

These loans generally offer smaller borrowing amounts and require repayment relatively quickly—often, a lump sum on your next paycheck.

Next, let’s discuss what you’ll need to prepare before starting the loan inquiry process.

Cash Advance Loan Requirements in Long Beach

To qualify for a cash advance loan in Long Beach, applicants must meet and submit the following requirements:

  • An active and verifiable checking account
  • Be at least 18 years old
  • Proof of steady income, like bank statements or pay stubs
  • A valid government-issued ID, like a passport or driver’s license
  • A Social Security number

How to Determine the Right Loan Type for You

Selecting the appropriate loan type necessitates a careful assessment of several factors, including interest rates, fees, repayment terms, and the lender’s reputation.

Here are some alternatives to cash advance loans that might be more favorable to some borrowers:

  • Bank Loan: Traditional, lower interest, typically requires good credit.
  • Installment Loan: Longer repayment period, fixed interest rates. These loans typically offer the highest borrowing limits.
  • Title Loan: Requires collateral, potentially lower interest rates, but risk of loss.

How to Get Cash Advance Loans With Our Third-Party Lenders

Get quick cash easily without the hassle of lengthy traditional bank processes or store visits.

We simplify loan access by connecting you with our trusted third-party lenders tailored to your financial needs.

Just fill out our straightforward inquiry form to get started!

Long Beach Cash Advance Loans With Bad Credit

In Long Beach, a bad credit score doesn’t necessarily block your access to cash advance loans. If you can show you’re able to repay, you might still get a loan.

After submitting an online inquiry, wait for the pre-approval process. Afterward, you will be contacted by a third-party lender with an offer.

They’ll help you get the emergency cash you need, typically within just one to two business days.

Long Beach Cash Advance Laws

In Long Beach, or generally in California, cash advance loans are called “deferred deposit transactions.”

These loans are governed by two main legal documents: the Civil Code 1789.30 et seq. and the Financial Code 23000 et seq. Here are the key regulations:

  • Maximum Loan Amount: $300
  • APR Cap: 460%
  • Loan Term: Up to 31 days
  • Rollovers: Not allowed
  • Collection Fees: A $15 NSF (non-sufficient funds) fee is permissible
  • Criminal Action: Lenders cannot take criminal action against borrowers (except for bounced checks due to closed accounts).
  • Military Protections: The Talent Amendment caps the APR at 36% for military personnel.

Also, all lenders must have a license from the Department of Business Oversight to operate legally.

Conclusion

When emergencies and unexpected expenses happen, Long Beach residents can take out cash advances to help soften the blow.

To start the loan inquiry process, fill out our secure online inquiry form to get started.

FAQs

Read this section for answers to your cash advance questions.

Who Does Payday Loans Near Me?

In Long Beach, you can find several licensed payday lenders. To simplify your search, let us do the work.
Use our inquiry form, and we’ll connect you with third-party lenders in our network who offer cash advance loans online.

Why Do So Many People Use Payday Loans Despite the Potential Consequences?

People turn to payday loans for quick cash without the need for strict credit checks despite their high costs. They’re a popular choice for immediate financial emergencies due to their easy access and simple requirements.

How Many Payday Loans Can You Have at Once?

In Long Beach, California, regulations restrict borrowers to only one cash advance loan per lender.
This rule is designed to protect borrowers from entering a debt cycle, as it requires the full repayment of the existing loan before a new one can be taken out.

Address

976 E 4th St #1, Long Beach, CA, 90802

Open hours

Mon – Fri:

9am – 7pm

Saturday:

10am – 4pm

Sunday:

Closed

Phone Number

(562) 548-8075

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