Payday Loans Huntington Beach, CA – Compare Licensed Lenders (2026)

$$300

Max Loan Amount

Active Lenders

15 min

Approval Time

$199K

Population

Huntington Beach, California, a vibrant city with a population of 198,711, offers a unique blend of diverse industries. Residents here enjoy a slightly more affordable lifestyle with the cost of living 10% below the national average and an average income of $52,000. In this dynamic economic environment, residents may occasionally find themselves in need of short-term financial solutions. Payday loans, which are legal in California with a 15% fee cap, can serve as a quick fix for unexpected expenses. However, the high APR of 460% necessitates careful consideration to ensure these loans fit within your financial plan.

About Huntington Beach

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

California Payday Loan Regulations

Max Loan Amount:$300

Max Term:31 days

Typical APR:460% (15% max fee)

Finance Charge:$45 maximum (15% of principal)

Regulatory Body:Department of Financial Protection and Innovation (DFPI)

Payday loans in California are capped at $300 with a maximum 15% fee ($45). Lenders must be licensed by DFPI.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Where to Find Payday Loans in Huntington Beach

In Huntington Beach, despite the bustling local economy, there are currently no active storefront payday lenders. Residents seeking payday loans must turn to online platforms that serve California. These digital lenders provide a convenient solution, allowing borrowers to complete the process from application to approval online. With no physical lenders operating locally, online options offer swift access and flexibility, albeit with the caveat of higher interest rates due to the absence of competition.

Compare Lenders in Huntington Beach

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Huntington Beach

Calculation

Loan Amount: $$500

Term: $14 days

APR: $460%

Fee: $$75

Total Repayment: $$575

Effective APR: $391.1%

⚠️ Important Notes

✓ For Huntington Beach residents earning $$52,000, this payment is 9% of monthly income
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Huntington Beach

✅ Advantages

✓ Process 100% online
✓ Decision in 15 minutes
✓ Available for Huntington Beach residents
✓ No collateral required
✓ Early repayment is allowed

❌ Disadvantages

✗ Higher APR than banks
✗ Limited local options due to no active storefront lenders
✗ Credit check required

💡 Expert Recommendation for Huntington Beach Residents

Rostislav Sikora, a renowned loan expert, suggests that residents in Huntington Beach consider payday loans for immediate financial needs due to the lower cost of living. However, borrowers should exercise caution, ensuring the loan fits within their budget. Before signing, compare APR rates and make sure the payment does not exceed 35% of your monthly income.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Huntington Beach, CA

How do I get a payday loan in Huntington Beach, CA?

Payday loans in Huntington Beach can be accessed online through lenders operating in California.

What's the max I can borrow in Huntington Beach?

In Huntington Beach, the maximum payday loan amount you can borrow is $300.

Can I get approved with bad credit in Huntington Beach?

Yes, payday loans in Huntington Beach often have lenient credit requirements, making it possible to get approved with bad credit.

Are there storefronts in Huntington Beach or is it online only?

Currently, there are no storefront payday lenders in Huntington Beach, so loans must be obtained online.

How fast can I get money in Huntington Beach?

Online payday lenders can provide funds quickly, often within 24 hours after approval.

What are the fees associated with payday loans in Huntington Beach?

Payday loans in Huntington Beach come with a 15% fee cap on the principal amount borrowed.

What should I consider before taking out a payday loan in Huntington Beach?

Consider your repayment plan and the high APR before taking out a payday loan in Huntington Beach.

Can I repay my payday loan early in Huntington Beach?

Yes, early repayment of payday loans is allowed in Huntington Beach without any penalties.

Ready to Compare Lenders in Huntington Beach?

Get matched with licensed CA lenders in minutes

Compare Lenders Now

Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Huntington Beach, CA and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

Get Payday Loan Apply Now