Payday loans in Long Beach | Mint Payday Loans

Long Beach is known for its waterfront attractions, but its residents have cash needs, too. If you're a resident who needs quick funds, payday loans can help.
Payday loans can offer short-term financial relief when you’re in a tight spot. While they’re not meant for long-term borrowing, residents in Long Beach may find these loans useful for unexpected expenses like car repairs or medical bills.
Learn the limits of these loans and what you'll need before making an inquiry here.

Customer Reviews

Excellent

Lawrence S.

I first thought about hiring a debt consolidation lawyer when I was looking for financial assistance, but this lending company provided a more workable option. Instead of putting me through costly legal proceedings, they assisted me in consolidating my debts through their loan program. Much more economical and efficient for my circumstances.

Taylor L.

I visited Mint Payday Loans in Long Beach when I was falling behind on bills and needed a payday loan fast, despite having bad credit. Stephen greeted me with a calm, no-pressure attitude that made the process feel a lot less overwhelming. He took the time to walk me through every step and answered all my questions without making me feel rushed. I was able to get the money the same day, which really helped. The office was clean and comfortable, though I think adding a few charging stations or magazines would be a nice touch for those waiting. Stephen’s kindness really stood out during a tough time.

Karen E.

It was my very first time with loans that give you quick funds, so I felt uneasy in Long Beach. Daniela went there and helped. She let me in on how funds and costs work along with when to repay, which made me feel less unsure of this place. Bringing house pamphlets that show all this so I don't have to rush would be awesome so I can check it all out stress free!

Stephanie S.

When I needed a payday loan, I felt like I made the best choice by coming here. Daniela treated me with respect, not just like another customer. She heard my needs, shared my options, and helped me pick the best one for me. If they opened earlier, it would be easier to get there before closing when you balance that time
with a regular schedules.

Melody M.

I went in needing a payday loan and felt like I made the correct choice when I left. Daniela treated me like a real person, not just another customer. She listened to what I needed, gave me some options, and helped me pick the best one for me.If they opened a little earlier, it would be easier to get there before closing when you have a regular job.

Janice R.

This was my initial experience with a cash advance product in Long Beach, and I was completely apprehensive. Daniela walked me through it. She told me about the fees and the repayment schedule without making me feel foolish for inquiring.
A small brochure or FAQ sheet to bring home and think about later would be great.

Kimberly B.

I entered in need of a payday loan and exited feeling I had made the correct decision. Daniela treated me as an individual, not another customer. She listened to what I needed, presented some alternatives, and steered me into the most suitable choice for my situation.
One recommendation is to open a little earlier—it's hard to get there ahead of closing when you have a full-time job.

Danica S.

I had an unexpected bill and needed a reliable payday advance—Mint Payday Loans really came through. Daniela was kind and respectful, and the application took under 30 minutes. The whole experience was surprisingly stress-free.
One little note: they might want to update their signs since they’re a bit hard to see from the street if you're driving by.

Timothy H.

"I was looking for a good payday loan option in Long Beach and found Mint Payday Loans. Daniela explained everything clearly and wasn’t pushy at all. It felt really open compared to some other places I called. She even helped me check my paperwork so I wouldn’t have to come back.
It would be handy if they offered a quick pre-approval online to save some time before visiting.

Damon R.

Last Monday, I went to Mint Payday Loans Long Beach, and Daniela really helped me out. I needed a quick cash advance for an unexpected car repair, and she guided me through everything without rushing me. The atmosphere in the office was chill and friendly, way better than those sketchy payday loan spots you hear about.
One thing I’d suggest is having a small waiting area with water or coffee since I had to wait about 15 minutes.

What is a Payday Loan?

A payday loan is a short-term borrowing option that provides quick access to funds until your next paycheck. It's designed for covering urgent expenses or financial emergencies and doesn't require extensive credit checks or collateral.

The loan is repaid in full, including fees and interest, on your next payday.

When it comes to payday loans, Mint Payday Loans wants to ensure transparency regarding the costs and fees involved.

Here's What You Can Expect:

Payday loans typically charge a fee based on a percentage or dollar amount per $100 borrowed

The specific fee amount varies depending on your state's regulations and the maximum loan amount permitted

Fees can range from $10 to $30 for every $100 borrowed, with $15 per $100 being a common fee

a Payday Loan Example:

For instance, if you borrow $200 before your next payday and the fee is $15 per $100, the total repayment amount would be $230

3 Express Steps to Get A Payday Loan in Long Beach

Submit Online Form

Please select how much cash you need and complete our express online requested form in a few minutes. It’s easy, secure, and available also for poor credit score.

Get Approved

Review your loan terms and get a decision, electronically sign it and after some additional checks, you can be approved within just a few hours.

Get Cash

If approved, you'll sign the contract and funds will be deposited into your bank account within a few hours, same day or following business day.

Get a Payday Loan Online

Mint Payday Loans: Easy Loans for Low Credit. Experience hassle-free borrowing - Submit your online request and leave the rest to us.

How Much Do You Need?

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$100 - $1,000

$1,000 - $5,000

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What Are Payday Loans?

A payday loan is a small, short-term loan typically due by your next paycheck. The loan amount is usually $300 to $500, but this amount depends on state laws. They're typically repaid via a lump sum.
Payday loans can be used for emergency expenses or things like bills and car repairs.
These loans come with high fees and interest rates, so it’s important to understand the terms before committing.

How do payday loans work?

Services

Payday loans

Cash Advance

Loans without a credit check

No Credit Check Loans

Same Day Loans

Quick Loans

Personal Loans For Bad Credit

Cash Advance Loans

Bad Credit Loans

Debt Consolidation

Requirements

Have an income of at least $1,000 monthly (all sources)

Be 18 years of age or older

Active email address and phone number

Be a US citizen or legal resident

Have an open checking account

Benefits

Free obligation quote

No collateral!

High-level security!

Bad credit – OK

Same Day Funding Available

Process

Submit an Online form

Get Approved

Review Loan Offer - Sign Your Agreement

Get the Cash Loan

Useful Information

Typically, pay $15-$30 per $100 loaned

Most states cap payday loans at $500

Payday loans are usually paid in single payment

Repayment is usually from 2-4 weeks post loan start. Only apply for a payday loan if sure you can repay it.

How much does a payday loan with bad credit cost?

Good to know: Remember: Each state sets payday loan fees and interest differently. Generally, expect to pay $15-$30 per $100 borrowed, with potential extra charges for late or missed payments.

What You’ll Typically Need for a Loan Inquiry

Third-party payday lenders will often ask prospective borrowers for the following:

Proof of income (pay stub or direct deposit)
Checking account details
Valid, government-issued photo ID
Valid contact information, like an email address and phone number
Proof of residence

The above will help lenders confirm your eligibility and repayment ability.

How to Get Payday Loans With Third-Party Lenders

Many payday loan inquiries begin at storefront locations, but you can skip that with Mint Payday Loans. Here’s how it works:

Start the process by filling out our online inquiry form. Your request will be forwarded to a network of third-party lenders.
After getting pre-approval, you’ll be sent an offer by a lender.
Review the terms, including the total loan term, any additional fees, and the APR.
After accepting the offer, you can typically get the funds within 1-2 business days, depending on your lender and the bank’s speed.

Can You Get Bad Credit Payday Loans in Long Beach?

Yes, it’s possible. Bad credit won’t stop you from getting a payday loans, since many payday lenders accept borrowers with low credit scores.

These lenders focus more on a borrower’s capacity to repay the loan and banking activity rather than their credit history. However, lower credit may mean higher fees or stricter terms. Be sure to read the fine print.

Relevant California Laws Regarding Payday Loans

California regulates payday loans under the California Deferred Deposit Transaction Law. Key rules include:

Loan limit: Maximum of $300 per loan
Loan term: Up to 31 days
Fee cap: Up to 15% of the face amount of the check
No rollovers or multiple loans from the same lender
No criminal prosecution for bounced checks related to payday loans

These laws are designed to protect consumers from excessive borrowing costs. Lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).

Conclusion

Payday loans in Long Beach can provide fast cash for urgent needs, but they come with steep costs and strict repayment timelines. Always explore alternatives and make sure your lender is operating within California law.

Ready to get started? Fill out our fast inquiry form to begin your loan inquiry with a third-party lender today.

FAQs

How Many Payday Loans Can You Have at Once?

In California, you can only have one payday loan at a time per licensed lender. Multiple loans with different lenders are discouraged and may violate consumer protection laws.

What Are the Best Payday Loans?

The best payday loans are those with:
Transparent terms
No prepayment penalties
Low fees and APR
Clear repayment schedules
Always compare multiple options and read contracts carefully before signing.

Why Are Payday Loans So Much Easier to Qualify for Than Traditional Bank Loans?

Payday loans typically don’t require a credit check or collateral. Lenders approve them based on income and bank account activity, not credit score. This makes them accessible, but also risky due to high fees and short repayment terms.

Customer Reviews