Online Loans in Los Angeles, California for Bad Credit

Payday Loans in Los Angeles, CA

Quick Cash Until Your Next Paycheck

Payday loans provide Los Angeles residents with fast access to small amounts of cash—up to $300 under California law. These short-term advances bridge the gap until your next paycheck arrives, typically requiring repayment within 31 days. California’s Deferred Deposit Transaction Law caps fees at 15% ($45 maximum on a $300 loan).

Key Features: Up to $300 loan amount • 15% maximum fee ($45) • 31-day maximum term • No rollovers allowed • DFPI-licensed lenders only • Same-day funding available

Best For: Los Angeles residents facing minor emergencies who have a paycheck arriving soon and need small, short-term borrowing.

Installment Loans in Los Angeles, CA

Larger Amounts with Fixed Monthly Payments

Installment loans offer Los Angeles borrowers larger amounts—$1,000 to $35,000—with predictable monthly payments spread over months or years. California’s AB 539 caps interest at 36% APR plus the federal funds rate for loans between $2,500 and $10,000, protecting borrowers from excessive rates.

Key Features: $1,000 – $35,000 amounts • Fixed monthly payments • 6 to 60 month terms • Rate caps on mid-sized loans • Bad credit options available • No prepayment penalties

Best For: Los Angeles residents who need larger amounts and prefer spreading repayment over time with predictable monthly budgeting.

Personal Loans in Los Angeles, CA

Flexible Financing for Any Purpose

Personal loans give Los Angeles residents flexible financing for virtually any purpose—debt consolidation, medical bills, home improvements, major purchases, or unexpected expenses. With fixed rates and predictable payments, personal loans offer stability that credit cards can’t match.

Key Features: $1,000 – $35,000 amounts • Fixed interest rates • 12 to 60 month terms • Use for any purpose • No collateral required • Multiple lender options

Best For: Los Angeles borrowers with fair to good credit who need flexible unsecured financing with competitive rates.

Title Loans in Los Angeles, CA

Use Your Vehicle’s Equity

Title loans allow Los Angeles vehicle owners to borrow against their car’s equity. Unlike credit-based loans, approval depends primarily on your vehicle’s value—making title loans accessible even with poor credit. You keep driving your car while repaying; the lender simply holds your title as collateral.

Key Features: $2,500 – $25,000 amounts • Based on vehicle value • Keep driving your car • 12 to 36 month terms • Bad credit accepted • Fast approval process

Requirements: Clear vehicle title in your name • Valid ID • Proof of income • Proof of Los Angeles residency • Vehicle photos or inspection

Emergency Loans in Los Angeles, CA

Fast Cash When You Need It Most

Emergency loans provide Los Angeles residents with rapid access to funds when unexpected situations demand immediate attention. From medical bills and car repairs to urgent home fixes and family emergencies, these loans prioritize speed—delivering decisions in minutes and funding within hours.

Key Features: $500 – $10,000 amounts • Decisions in minutes • Same-day funding available • Bad credit options • No collateral required • Use for any emergency

Common Los Angeles Emergencies: Medical bills & ER visits • Car breakdowns • Rent emergencies • Utility shutoff prevention • Home repairs • Family emergencies • Unexpected travel • Pet emergencies

Tribal Loans

Alternative Lending from Tribal Lenders

Tribal loans are financial products from lenders owned by or affiliated with Native American tribes. Operating under tribal sovereignty, these lenders follow tribal law rather than state regulations—allowing different terms than state-licensed lenders. This structure provides options for borrowers who may not qualify through traditional channels.

Key Features: $500 – $5,000 amounts • Flexible approval criteria • Bad credit accepted • Fast online process • Direct deposit funding • No traditional credit check options

Best For: Borrowers who have difficulty qualifying for traditional loans and understand the higher costs associated with tribal lending.

Allotment Loans in Los Angeles, CA

Exclusive for Federal & Postal Employees

Allotment loans serve federal government employees and USPS postal workers in Los Angeles with financing designed around their stable employment. Repayment happens automatically through payroll deduction, reducing lender risk and often resulting in higher approval rates—even for borrowers with credit challenges.

Key Features: $500 – $15,000 amounts • Automatic payroll deduction • No traditional credit check • High approval rates • 6 to 36 month terms • Fast funding available

Who Qualifies: Federal civilian employees (all agencies) • USPS postal workers • DOD civilians • OPM annuity recipients (federal retirees)

How It Works: Federal employees use Form SF-1199; USPS workers use PostalEASE to set up automatic deductions from each paycheck.