California Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in California include: Matadors Community Credit UnionMatadors Community Credit Union20045 Prairie St, Chatsworth, CA, 91311A+5.0 ★Texas Ratio: 1.38% offering Solar Loans at 4.74% APR, Self-Help Federal Credit UnionSelf-Help Federal Credit Union2256 Patterson Rd, Riverbank, CA, 95367 9647A+5.0 ★Texas Ratio: 1.64% offering Solar Loans at 5.75% APR, Wheelhouse Credit UnionWheelhouse Credit Union9212 Balboa Ave, San Diego, CA, 92123 1514A+5.0 ★Texas Ratio: 0.42% offering Solar & Energy Efficient Loans at 5.99% APR, Valley First Credit UnionValley First Credit Union1005 W Orangeburg Ave, Modesto, CA, 95350 offering Solar Loans (Primary Residence) at 6.24% APR, and Water and Power Community Credit UnionWater and Power Community Credit Union16840 Devonshire St, Granada Hills, CA, 91344 7404A+5.0 ★Texas Ratio: 4.15% offering Solar Loan at 6.49% APR. Personal loan rates as of September 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 4.74% APR from Matadors Community Credit Union at 20045 Prairie St, Chatsworth, CA, 91311. Rates are continually updated, so 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: September 22, 2026
California Personal Loan Rates
Rate reflects a .50% discount for Automatic Payment. Rate buydown fee may apply. Interest will accrue from date of funding. UCC1 lien will be recorded on property. Restrictions may apply. Membership required.
No additional details available.
With Inspired Checking As low as 5.74%
Minimum Loan Amount: $0; Maximum Loan Amount: $100,000
Minimum Loan Amount: $10,000; Maximum Loan Amount: $100,000
Maximum amount $150,000. Available for properties in California only.
APRs as low as 6.53%. Funding is as little as 24 hours.
As low as; Loan Amount: Up to $25,000
Minimum Loan Amount: $25,000; Maximum Loan Amount: $100,000
As Low As; Please contact one of our friendly Member Service Representatives for more details. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
Amount: $3,000 to $30,000
As Low As; Amount: Up to $40,000
No additional details available.
Published APR range: 6.99% - 10.99%.
With Inspired Checking As low as 6.74%
Published APR range: 6.99% - 16.00%. Min-Max Amount: $500 - $5,000
Credit Score: 740+; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
Term: 12 months - 60 months**
Loyalty rate displayed.
With Inspired Checking As low as 6.99%
Minimum Loan Amount: $1,000
Published APR range: 7.49% - 11.49%.
As Low As
As Low As
As low as
Credit Score: 700-739; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
No additional details available.
FICO 720 and above
Published APR range: 7.90% - 16.90%.
Loan Amount: $500+
Fixed
Promotional rate available from September 1 to December 31, 2026. Limit one Debt Consolidation Loan per member. Any existing Debt Consolidation Loan must be paid in full through the refinance. Automatic payments and direct deposit into an IFCU checking account are required.
Minimum Loan Amount: $5,000
Contact Credit Union for qualifying terms and individual rates
No additional details available.
No additional details available.
As Low As; Effective Date: Sunday, September 20th, 2026
Published APR range: 7.99% - 18.00%. Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
Published APR range: 7.99% to 17.99%.
Published APR range: 7.99% - 11.99%.
With Inspired Checking As low as 7.74%
Published APR range: 7.99% - 17.49%. Min-Max Amount: $3,000 - $10,000
Term: 12 months - 48 months**
Loan Amount: $2,500+
As Low As; Limited Time Offer
With Inspired Checking As low as 7.99%
A Sierra Central Personal Loan (Signature Loan) can help you finance a home project, consolidate debt, cosmetic surgery, new computer purchase, travel plans and so much more.; An unsecured loan of a fixed amount; Fixed payments; Loan amounts from $3,000 - $25,000; Skip-A-Pay Loan Program Skip up to 2x, every 12-months.; as low as: from 18.39%
As Low As; *
No additional details available.
Amount Financed: $0 - $10,000
Loan Amount: $3,000+
No additional details available.
No additional details available.
As Low As
With Inspired Checking As low as 8.24%
Credit Score: 740+; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
Published APR range: 8.49% - 10.49%.
Published APR range: 8.50% - 17.00%.
Published APR range: 8.70% to 17.99%.
As Low As; All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
No additional details available.
As low as
The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater. Apply For Personal Loan
No additional details available.
As Low As; Amount Financed: $500 to $50,000
Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice
Fixed rates as low as 8.75%
As Low As
Published APR range: 8.75% to 17.99%.
No additional details available.
No additional details available.
Published APR range: 8.80% to 17.99%.
Published APR range: 8.85% to 17.99%.
Loan Amount: $500-$40,000
As Low As; Financing Available: Up to $25,000
Published APR range: 8.90% - 17.90%.
Rates As Low As*
As low as
Published APR range: 8.95% to 17.99%.
Loan amount may vary based on qualifications. Subject to approval based on creditworthiness. Other limitations may apply. Term limits based on amount borrowed.
No additional details available.
Loan Amount: $5,000+
As low as; *
Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice
Minimum Loan Amount: $7,500
As low as
$500; As Low As; Personal loan interest rates range from 8.99% to 16.49%.
As Low As; Low monthly payments FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
As Low As; Amount: Up to $25,000
Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000.
Published APR range: 8.99% - 17.00%.
Published APR range: 8.99% - 18.99%.
As Low As; Amount Financed: $5,000 to $50,000
Published APR range: 8.99% - 17.99%.
No additional details available.
Rate Type: Fixed; Maximum Loan Amount: up to $20,000
Additional APR listed for this product: 14.00%. Amount Financed: $100 - $5,000
No additional details available.
Minimum loan amount of $500. $50 minimum payment. $30,000 maximum.
No additional details available.
As low as
Credit Score: 700-739; Property Lien required and home must not be under a Trust. $250 loan fee required. Maximum loan amount is $100,000.
No additional details available.
Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice
No additional details available.
No additional details available.
No additional details available.
Published APR range: 9.34% to 17.99%.
Loan Maximum: $50,000**
As Low As; Financing Available: Up to $25,000
Loan Amount: $5,000+
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Additional APR listed for this product: 14.99%. Annual Percentage Rate (Lowest) to Annual Percentage Rate (Highest)
Rate shown includes 0.50% APR loan rate discount for automatic payment. Discount may end at any time.
Published APR range: 9.49% - 11.49%.
Maximum Amount: Up to $20,000
Loan amounts from $5,000 to $75,000; Fixed Term from 5 to 15 years; No annual fee or prepayment fee; Signed contract required from Licensed Solar Contractor approved by Certified FCU; Permit approval required before funding; Property must be owner occupied primary residence located in California; Lien placed on property through UCC Financing Statement for all loans over $10,000 (A UCC Financing Statement is filed to perfect a security interest in named collateral and established priority in case of debtor default or bankruptcy); Late fee = 5% of payment after 10 days; Is interest deductible? We do not give tax advice
As Low As; Effective Date: Sunday, September 20th, 2026
Amount: $3,000 to $30,000
No additional details available.
No additional details available.
Amount Financed: $10,001 - $30,000
Rates from 9.74% - 18.00%
No additional details available.
As Low As; 10.99%
Comparison to FL Average
As low as
No additional details available.
As Low As; Amount Financed: $10,000 to $50,000
As Low As; Effective Date: Sunday, September 20th, 2026
No additional details available.
Loan Maximum: $50,000**
FICO 680 to 719
As Low As; Financing Available: Up to $25,000
Published APR range: 9.90% - 18.90%.
Term: Term varies with loan amount; As Low As; $15,000 Maximum
As Low As
$10,000; Published APR range: 9.95 - 17.95%.
As Low As; Max. Amt.: $30,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.
California Personal Loan Rates
APRs as low as 6.53%. Funding is as little as 24 hours.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
As Low As; Amount: Up to $40,000
Loyalty rate displayed.
Minimum Loan Amount: $1,000
As Low As
FICO 720 and above
Published APR range: 7.90% - 16.90%.
Loan Amount: $500+
Minimum Loan Amount: $5,000
No additional details available.
As Low As; Effective Date: Sunday, September 20th, 2026
Published APR range: 7.99% - 18.00%. Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
Loan Amount: $2,500+
As Low As; Limited Time Offer
A Sierra Central Personal Loan (Signature Loan) can help you finance a home project, consolidate debt, cosmetic surgery, new computer purchase, travel plans and so much more.; An unsecured loan of a fixed amount; Fixed payments; Loan amounts from $3,000 - $25,000; Skip-A-Pay Loan Program Skip up to 2x, every 12-months.; as low as: from 18.39%
As Low As; *
Loan Amount: $3,000+
Published APR range: 8.70% to 17.99%.
As Low As; All quoted rates are fixed APRs for top-tier credit and include a 0.25% discount for direct deposit. Loan terms may vary based on vehicle mileage, loan-to-value, and individual creditworthiness. Contact us for details on older models. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater. Apply For Personal Loan
No additional details available.
As Low As; Amount Financed: $500 to $50,000
As Low As
Published APR range: 8.75% to 17.99%.
Published APR range: 8.80% to 17.99%.
Published APR range: 8.85% to 17.99%.
Loan Amount: $500-$40,000
As Low As; Financing Available: Up to $25,000
Published APR range: 8.90% - 17.90%.
As low as
Published APR range: 8.95% to 17.99%.
Loan Amount: $5,000+
Minimum Loan Amount: $7,500
As low as
$500; As Low As; Personal loan interest rates range from 8.99% to 16.49%.
As Low As; Low monthly payments FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
As Low As; Amount: Up to $25,000
Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000.
As Low As; Amount Financed: $5,000 to $50,000
Rate Type: Fixed; Maximum Loan Amount: up to $20,000
Minimum loan amount of $500. $50 minimum payment. $30,000 maximum.
No additional details available.
Published APR range: 9.34% to 17.99%.
Loan Maximum: $50,000**
As Low As; Financing Available: Up to $25,000
Loan Amount: $5,000+
Additional APR listed for this product: 14.99%. Annual Percentage Rate (Lowest) to Annual Percentage Rate (Highest)
Maximum Amount: Up to $20,000
As Low As; Effective Date: Sunday, September 20th, 2026
Rates from 9.74% - 18.00%
No additional details available.
As Low As; 10.99%
No additional details available.
As Low As; Amount Financed: $10,000 to $50,000
As Low As; Effective Date: Sunday, September 20th, 2026
Loan Maximum: $50,000**
FICO 680 to 719
As Low As; Financing Available: Up to $25,000
Published APR range: 9.90% - 18.90%.
Term: Term varies with loan amount; As Low As; $15,000 Maximum
As Low As
$10,000; Published APR range: 9.95 - 17.95%.
As Low As; Max. Amt.: $30,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.
California Debt Consolidation Loan Rates
Promotional rate available from September 1 to December 31, 2026. Limit one Debt Consolidation Loan per member. Any existing Debt Consolidation Loan must be paid in full through the refinance. Automatic payments and direct deposit into an IFCU checking account are required.
Published APR range: 7.99% to 17.99%.
No additional details available.
Fixed rates as low as 8.75%
As low as; *
No additional details available.
Published APR range: 9.99% - 17.49%. As low as; $50,000.00 max limit; Existing Mission City FCU loans not eligible
Published APR range: 9.99% - 16.99%.
Published APR range: 9.99% - 18.00%.
No additional details available.
As Low as
Published APR range: 10.49% - 17.49%.
$500 - $50,000; Published APR range: 10.49% - 24.00%.
Published APR range: 10.99% - 14.99%.
No additional details available.
No additional details available.
Published APR range: 12.30% to 17.99%.
Published APR range: 12.35% to 17.99%.
Published APR range: 12.40% to 17.99%.
Published APR range: 12.45% to 17.99%.
No additional details available.
As Low As
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. The best scores may reduce rates up to 1.00%; the lowest scores may increase rates up to 9.75%. .25% patronage rebates are available on Personal, Vehicle and Recreational Vehicle Loans: IVFCU MasterCard Credit Card Usage of It'sMe247 Golden Member E-Statement Enrollment Members with a recurring "net pay" direct deposit into an account with automatic transfers to the loan earn a 0.50% rebate on Vehicle, Recreation Vehicle and Personal Loans.
Published APR range: 14.45% to 17.99%.
Published APR range: 16.44% to 17.99%.
California Signature Loan Rates
As low as; Loan Amount: Up to $25,000
Amount: $3,000 to $30,000
Published APR range: 6.99% - 16.00%. Min-Max Amount: $500 - $5,000
Term: 12 months - 60 months**
As low as
No additional details available.
Contact Credit Union for qualifying terms and individual rates
No additional details available.
Term: 12 months - 48 months**
A Sierra Central Personal Loan (Signature Loan) can help you finance a home project, consolidate debt, cosmetic surgery, new computer purchase, travel plans and so much more.; An unsecured loan of a fixed amount; Fixed payments; Loan amounts from $3,000 - $25,000; Skip-A-Pay Loan Program Skip up to 2x, every 12-months.; as low as: from 18.39%
No additional details available.
No additional details available.
As Low As
Published APR range: 8.50% - 17.00%.
No additional details available.
As low as
No additional details available.
Rates As Low As*
Loan amount may vary based on qualifications. Subject to approval based on creditworthiness. Other limitations may apply. Term limits based on amount borrowed.
No additional details available.
As low as; *
Published APR range: 8.99% - 17.00%.
Published APR range: 8.99% - 17.99%.
No additional details available.
Additional APR listed for this product: 14.00%. Amount Financed: $100 - $5,000
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Rate shown includes 0.50% APR loan rate discount for automatic payment. Discount may end at any time.
Amount: $3,000 to $30,000
No additional details available.
As low as
No additional details available.
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.
California personal loan rates rose 0.069 points over the past 7 days to 10.409% APR.
California signature loan rates fell 0.146 points over the past 7 days to 11.482% APR.
California Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current California figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current CA average personal loan APR of 10.41%, across the terms lenders serving California most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $231.67/mo | $162.30/mo | $127.80/mo | $107.24/mo |
| $10,000 | $463.34/mo | $324.60/mo | $255.60/mo | $214.49/mo |
| $15,000 | $695.01/mo | $486.89/mo | $383.39/mo | $321.73/mo |
| $25,000 | $1,158.35/mo | $811.49/mo | $638.99/mo | $536.22/mo |
| $35,000 | $1,621.69/mo | $1,136.09/mo | $894.58/mo | $750.71/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in California
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the CA personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (CA average) | 10.41% | $383.39 | $3,403 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,747 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,282 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,874 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in California
Prequalify With a Soft Credit Check
Most lenders serving California will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our California data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured California auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a California high-yield savings account costs nothing and earns interest instead of paying it
California Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $383 monthly loan payment is roughly 9.4% of the median individual income in California. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in California.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current CA average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in California?
Are credit unions or banks better for personal loans in California?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in California?
- Matadors Community Credit Union: 4.74% (Solar Loans)
- Self-Help Federal Credit Union: 5.75% (Solar Loans)
- Wheelhouse Credit Union: 5.99% (Solar & Energy Efficient Loans)
- Valley First Credit Union: 6.24% (Solar Loans (Primary Residence))
- Water and Power Community Credit Union: 6.49% (Solar Loan)
