Best Personal Loan Rates in California (CA) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to California borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in California include: USC Credit UnionUSC Credit Union3720 S Flower St FL 4, Los Angeles, CA, 90089A+5.0 ★Texas Ratio: 5.50% offering GoGreen Loan at 3.99% APR, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA, 94553A+5.0 ★Texas Ratio: 0.24% offering Title Loans at 4.50% APR, Matadors Community Credit UnionMatadors Community Credit Union20045 Prairie St, Chatsworth, CA, 91311A+5.0 ★Texas Ratio: 1.22% offering Solar Loans at 4.74% APR, and Coast Central Credit UnionCoast Central Credit Union2650 Harrison Ave, Eureka, CA, 95501A+5.0 ★Texas Ratio: 1.11% offering Fixed Real Estate Loans at 4.85% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across California side-by-side. California personal loan rates currently start as low as 3.99% APR from USC Credit Union at 3720 S Flower St FL 4, Los Angeles, CA, 90089. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in California. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
4.49%
▼
APR4.49%
Last UpdatedMay 22, 2026
Details
As Low As
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
3720 S Flower St FL 4, Los Angeles, CA, 90089
Computer Loan
4.49%
▼
APR4.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
4501 Colorado Blvd, Los Angeles, CA, 90039
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Title Loans
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
4501 Colorado Blvd, Los Angeles, CA, 90039
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
Matadors Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
20045 Prairie St, Chatsworth, CA, 91311
Solar Loans
4.74%
▼
APR4.74%
Last UpdatedMay 22, 2026
Details
As Low As; No money down and no pre-payment penalties; No payment for 90 days
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
4501 Colorado Blvd, Los Angeles, CA, 90039
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
4.85%
▼
APR4.85%
Last UpdatedMay 22, 2026
Details
As Low As
Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
2847 Campus Pkwy, Riverside, CA, 92507 0906
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
Bank of Guam
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
400 Montgomery St, San Francisco, CA, 94104
Disaster Relief Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2817 16th St, Bakersfield, CA, 93301 3210
Computer Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
$3,000 Max
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
Special Curriculum Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
Computer Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
5.24%
▼
APR5.24%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 Months, Maximum Loan Amount $125,000
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA, 95667
10 Year Loan
5.30%
▼
APR5.30%
Last UpdatedMay 22, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
▼
APR5.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
5.46%
▼
APR5.46%
Last UpdatedMay 22, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
$50,000; As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Church Loans
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Ministry Church Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Church Loan
5.53%
▼
APR5.53%
Last UpdatedMay 22, 2026
Details
As Low As
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA, 95667
5 Year Loan
5.56%
▼
APR5.56%
Last UpdatedMay 22, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Vacation Loan
5.59%
▼
APR5.59%
Last UpdatedMay 22, 2026
Details
No additional details available.
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
HOLIDAY/VACATION LOAN - Max.
5.69%
▼
APR5.69%
Last UpdatedMay 22, 2026
Details
$2,500; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
Vacation Loans
5.69%
▼
APR5.69%
Last UpdatedMay 22, 2026
Details
As Low As
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
5.69%
▼
APR5.69%
Last UpdatedMay 22, 2026
Details
No additional details available.
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
Solar Battery Storage or Solar + Battery Bundle
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
Fixed High Balance Rate Loans 10 Year
5.83%
▼
APR5.83%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
Fixed High Balance Rate Loans
5.86%
▼
APR5.86%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
Fixed High Balance Rate Loans 10 Year
5.86%
▼
APR5.86%
Last UpdatedMay 22, 2026
Details
No additional details available.
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
250 W Colorado Blvd, Arcadia, CA, 91007
Technology Loan
5.90%
▼
APR5.90%
Last UpdatedMay 22, 2026
Details
Loan Amount: $5,000 Maximum; Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
5.95%
▼
APR5.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 22, 2026
Details
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loans
5.96%
▼
APR5.96%
Last UpdatedMay 22, 2026
Details
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
Bank income verification Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
UMe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3000 W Magnolia Blvd, Burbank, CA, 91505 3043
No seasoning on bankruptcies, foreclosures, or short sales Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
6.24%
▼
APR6.24%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 120 Months, Maximum Loan Amount $125,000
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.24%
▼
APR6.24%
Last UpdatedMay 22, 2026
Details
As Low As
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Solar Loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
VA Loans
6.32%
▼
APR6.32%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
Fixed High Balance Rate Loans
6.45%
▼
APR6.45%
Last UpdatedMay 22, 2026
Details
No additional details available.
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 5 year
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $25,000
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 22, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
39 S Livermore Ave Ste 101, Livermore, CA, 94550 3119
10 Year Loan
6.55%
▼
APR6.55%
Last UpdatedMay 22, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Vacation Loan
6.59%
▼
APR6.59%
Last UpdatedMay 22, 2026
Details
No additional details available.
Strata Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1717 Truxtun Ave, Bakersfield, CA, 93301 5102
Credit Builder Loan
6.63%
▼
APR6.63%
Last UpdatedMay 22, 2026
Details
Up to 24 months for loans under $2,000 <br/> Up to 36 months for loans up to $10,000
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
39 S Livermore Ave Ste 101, Livermore, CA, 94550 3119
10 Year Loan
6.65%
▼
APR6.65%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
Fixed High Balance Rate Loans
6.67%
▼
APR6.67%
Last UpdatedMay 22, 2026
Details
No additional details available.
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
700 Gale Dr, Campbell, CA, 95008
VA Loans
6.68%
▼
APR6.68%
Last UpdatedMay 22, 2026
Details
30-Year Rates As Low As; Primary Residence
Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
6.69%
▼
APR6.69%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA, 90248 4220
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 7 year
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2454 Vista Way, Oceanside, CA, 92054
Equipment Loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
39 S Livermore Ave Ste 101, Livermore, CA, 94550 3119
10 Year Loan
6.77%
▼
APR6.77%
Last UpdatedMay 22, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMay 22, 2026
Details
As Low As
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
6.95%
▼
APR6.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
39 S Livermore Ave Ste 101, Livermore, CA, 94550 3119
Vacant Land 3 Loan
6.96%
▼
APR6.96%
Last UpdatedMay 22, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Up to $50,000
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
40870 Sierra Dr, Three Rivers, CA, 93271 9696
Tech Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $40,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 10 year
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMay 22, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN - Max.
7.05%
▼
APR7.05%
Last UpdatedMay 22, 2026
Details
$100,000; As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMay 22, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN - Max.
7.18%
▼
APR7.18%
Last UpdatedMay 22, 2026
Details
$100,000; As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 180 Months, Maximum Loan Amount $125,000
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
2333 Utah Ave, El Segundo, CA, 90245
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
9040 Benson Ave, Montclair, CA, 91763
Church Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMay 22, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN - Max.
7.28%
▼
APR7.28%
Last UpdatedMay 22, 2026
Details
$100,000; As Low As
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
10 Year Equity Loan
7.30%
▼
APR7.30%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
7.40%
▼
APR7.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 22, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 22, 2026
Details
As Low As
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA, 92123
Solar & Green Living Loans
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
Up to $50,000
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $40,000
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2454 Vista Way, Oceanside, CA, 92054
Unsecured Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
As Low As
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Personal Loan
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Energy Efficiency Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Platinum Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
As Low As
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
Up to $50,000
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
312 W 7th St, Hanford, CA, 93230
Teacher Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
Qualifications Required: direct deposit; automatic payments; As Low As; Restrictions apply, ask for details.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7084 Auburn Blvd Ste 100, Citrus Heights, CA, 95621 4334
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Personal/Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
(Fixed)
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Adoption Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 240 Months, Maximum Loan Amount $125,000
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.74%
3954 E Main St, Ventura, CA, 93003
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
Musical Instruments Loans Tier One - Loans up to $49,000
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
$10,000; As Low As
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Solar Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
266 W Main St, Woodland, CA, 95695
Signature Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Go Green Unsecured
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
As Low As; $5,000 Minimum; $50,000 Maximum
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
300 N K St, Tulare, CA, 93274 4008
Unsecure Solar Loan
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
La Loma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
11498 Pierce St Ste D, Riverside, CA, 92505 3308
Cash Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As; (amounts $20,001-$35,000)
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
599 N E St, San Bernardino, CA, 92401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
8.70%
▼
APR8.70%
Last UpdatedMay 22, 2026
Details
As Low As
LONG BEACH CITY EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2845 Temple Ave, Signal Hill, CA, 90755 2212
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Amount Financed: $500 to $50,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Holiday Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
880 Front St Ste 2295, San Diego, CA, 92101 8895
Personal
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Corrections Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
4 miles North of Soledad Hwy 101, Soledad, CA, 93960
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
Special Curriculum Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
Variable Rate
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
▼
APR5.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 22, 2026
Details
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loans
5.96%
▼
APR5.96%
Last UpdatedMay 22, 2026
Details
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 22, 2026
Details
As Low As
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $40,000
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
7.40%
▼
APR7.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $40,000
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
Personal Loan
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.74%
3954 E Main St, Ventura, CA, 93003
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2115 N Broadway, Santa Ana, CA, 92706
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7084 Auburn Blvd Ste 100, Citrus Heights, CA, 95621 4334
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As; (amounts $20,001-$35,000)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
599 N E St, San Bernardino, CA, 92401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
8.70%
▼
APR8.70%
Last UpdatedMay 22, 2026
Details
As Low As
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
LONG BEACH CITY EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
2845 Temple Ave, Signal Hill, CA, 90755 2212
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As; Amount Financed: $500 to $50,000
Corrections Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
4 miles North of Soledad Hwy 101, Soledad, CA, 93960
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
No additional details available.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
10.05%
▼
APR10.05%
Last UpdatedMay 22, 2026
Details
No additional details available.
Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1911 M ST, Merced, CA, 95340 3706
Debt Consolidation Loan
10.29%
▼
APR10.29%
Last UpdatedMay 22, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
11.30%
▼
APR11.30%
Last UpdatedMay 22, 2026
Details
No additional details available.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
Signature Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
Debt Consolidation
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.35%
▼
APR12.35%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.40%
▼
APR12.40%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.45%
▼
APR12.45%
Last UpdatedMay 22, 2026
Details
As Low As
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA, 92227
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedMay 22, 2026
Details
As Low As; (based on term)
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
13.30%
▼
APR13.30%
Last UpdatedMay 22, 2026
Details
No additional details available.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
13304 Alondra Blvd, Cerritos, CA, 90703
Special Debt Consolidation
13.49%
▼
APR13.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
9389 Cherry Ave, Fontana, CA, 92335
Debt Consolidation Loan
13.99%
▼
APR13.99%
Last UpdatedMay 22, 2026
Details
As Low As; $30,000 maximum - consolidate your high rate loans
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
14.45%
▼
APR14.45%
Last UpdatedMay 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
16.44%
▼
APR16.44%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
5.95%
▼
APR5.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA, 90248 4220
Personal Signature Loan - Closed Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
6.95%
▼
APR6.95%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
266 W Main St, Woodland, CA, 95695
Signature Loans
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in California currently.
California Personal Loan Rate Trends
Compare local California personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — CA Avg
9.926%
▲ 0.262 vs 7 days ago
California personal loan rates rose 0.262 points over the past 7 days to 9.926% APR.
Signature Loan — CA Avg
10.882%
▼ 0.016 vs 7 days ago
California signature loan rates fell 0.016 points over the past 7 days to 10.882% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our California personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in California. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in California?
Most lenders in California require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in California often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in California require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in California?
Yes. Debt consolidation is one of the most common uses of personal loans in California. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in California?
Credit unions in California often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in California?
- USC Credit Union: 3.99% (GoGreen Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- 1st Northern California Credit Union: 4.50% (Title Loans)
- Matadors Community Credit Union: 4.74% (Solar Loans)
- Coast Central Credit Union: 4.85% (Fixed Real Estate Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026.
