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Personal loans in Long Beach, WA

For residents of Long Beach, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Long Beach's Census population of roughly 1,756 makes it the 175th-largest of 281 places in Washington. The sourced table below shows the Washington rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Long Beach at a glance

  • Population: a Census-estimated 1,756, placing it 175th among Washington's 281 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 1,695 residents here (US Census Bureau).
  • 2020 to 2023 change: about 3.6% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Washington places: 175th of the state's 281 Census places (US Census Bureau).
  • Size percentile: about 38% of places in Washington are smaller (US Census Bureau).
  • Coordinates: 46.3619, -124.0578 (US Census Bureau Gazetteer).
  • Nearest larger cities: Warrenton, OR (14 mi); Astoria, OR (17 mi); Gearhart, OR (24 mi); South Bend, WA (25 mi); Seaside, OR (27 mi) — straight-line distances, US Census Bureau populations.
  • Smaller towns nearby: Ilwaco, WA (4 mi); Cannon Beach, OR (33 mi); Cathlamet, WA (34 mi) (US Census Bureau).

What a personal loan costs in Long Beach

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Washington lending rules that apply in Long Beach

Each row below is a Washington rule with its publisher and the date it was retrieved.

RuleDetailSource
Payday lending statusLicensed; small loans capped at $700 or 30% of monthly income, max 45 days, fees 15% on first $500 and 10% above (RCW 31.45)
Source says: Payday lenders must be licensed by DFI — including online lenders that do business with Washington residents.		Washington State Department of Financial Institutions (DFI)
as of 2026-09-16
Small-loan / installment lender licensingConsumer Loan Company license required (Consumer Loan Act, RCW 31.04.035)
Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter.		Washington State Legislature (RCW)
as of 2026-09-16
State lending regulatorWashington State Department of Financial Institutions (DFI)
Source says: DFI licenses and regulates financial institutions and service providers in Washington.		Washington State Department of Financial Institutions (DFI)
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per annum, or four points above the Federal Reserve bill rate, whichever is higher (RCW 19.52.020)
Source says: any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per annum		Washington State Legislature (RCW)
as of 2026-09-16

How to compare offers in Long Beach

A few practical steps will make the process in Long Beach less costly:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Long Beach?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Long Beach are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Long Beach?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Long Beach require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Long Beach hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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