Best Personal Loan Rates in California - July 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: Compass Community Credit UnionCompass Community Credit Union321 Wabash Ave, Eureka, CA, 95501A+5.0 ★Texas Ratio: 0.31% offering Cash Back Offer Loan at 3.99% APR, SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union134 N Kenwood St, Burbank, CA, 91505A+5.0 ★Texas Ratio: 2.95% offering 2025 & Newer Model Years Loan at 3.99% APR, KeyPoint Credit UnionKeyPoint Credit Union7062 Market Place Dr, Goleta, CA, 93117 5902A+5.0 ★Texas Ratio: 2.09% offering Credit Starter Loan at 3.99% APR, Citizens Equity First Credit UnionCitizens Equity First Credit Union670 Lincoln Ave, San Jose, CA, 95126 3704A5.0 ★Texas Ratio: 6.36% offering 2026 AND NEWER Loan at 3.99% APR, and Upward Credit UnionUpward Credit Union1860 El Camino Real Ste 100, Burlingame, CA, 94010 3106A5.0 ★Texas Ratio: 6.39% offering Credit Builder Loan at 4.24% APR. Personal loan rates as of July 6, 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 Compass Community Credit Union at 321 Wabash Ave, Eureka, CA, 95501. 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: July 6, 2026
California Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Compass Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
321 Wabash Ave, Eureka, CA, 95501
Cash Back Offer Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
No payments for 60-days.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
7062 Market Place Dr, Goleta, CA, 93117 5902
Credit Starter Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2026 AND NEWER Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2024-2025 Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2022-2023 Loan
4.14%
▼
APR4.14%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
1860 El Camino Real Ste 100, Burlingame, CA, 94010 3106
Credit Builder Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 6, 2026
Details
$500 - $1,500
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
3-Year Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2021 Loan
4.34%
▼
APR4.34%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Santa Cruz Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
590 Auto Center Dr, Watsonville, CA, 95076
Drive Now. Pay Later. Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 6, 2026
Details
No payments for up to 90 days
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
4-Year Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2020 Loan
4.64%
▼
APR4.64%
Last UpdatedJuly 6, 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
5-Year Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
4.74%
▼
APR4.74%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
6-Year Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1051 Detroit Ave Ste A, Concord, CA, 94518 2457
2025 or Newer Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
100% Financing APR; Fixed
Capstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
3 POLARIS WAY STE 31B, ALISO VIEJO, CA, 92656
48 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA, 95827 2508
Rate Saver Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
Regular APR: 13.99%
Heritage Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
10415 Old Placerville Rd, Sacramento, CA, 95827 2508
Premium Rewards Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
Regular APR: 15.49%
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 UpdatedJuly 6, 2026
Details
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
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 UpdatedJuly 6, 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
Special Curriculum Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA, 92808 2243
Credit Builder loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Maximum loan amount: Up to 100% of the available certificate balance
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 UpdatedJuly 6, 2026
Details
$3,000 Max
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2011 to 2015 Models Loan
5.05%
▼
APR5.05%
Last UpdatedJuly 6, 2026
Details
Model Year: 2011 to 2015
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2016 to 2019 Models Loan
5.15%
▼
APR5.15%
Last UpdatedJuly 6, 2026
Details
Model Year: 2016 to 2019
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
5.21%
▼
APR5.21%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1990 Westwood Blvd, Los Angeles, CA, 90025
Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2020 to 2024 Models Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 6, 2026
Details
Model Year: 2020 to 2024
Sea Air Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
800 Seal Beach Blvd Bldg 12, Seal Beach, CA, 90740
Signature Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 6, 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
10 Year Loan
5.30%
▼
APR5.30%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
5.30%
▼
APR5.30%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2025 to 2027 Models Loan
5.35%
▼
APR5.35%
Last UpdatedJuly 6, 2026
Details
Model Year: 2025 to 2027
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 UpdatedJuly 6, 2026
Details
6.40% APR; 7.40% APR
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2025 to 2027 Models Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 6, 2026
Details
Model Year: 2025 to 2027
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 UpdatedJuly 6, 2026
Details
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA, 95826
NEW/USED Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
100% MSRP/Appraisal Value
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA, 95826
Up to 84 Months - NEW/USED Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
100% MSRP/N.A.D.A Value
United Catholics Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
160 E COLLEGE ST, COVINA, CA, 91723 2104
36 Mo. Intro APR Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
Introductory APR
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
7-Year Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 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
Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedJuly 6, 2026
Details
$50,000; As Low As
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2019 Loan
5.54%
▼
APR5.54%
Last UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 2026
Details
No additional details available.
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
1051 Detroit Ave Ste A, Concord, CA, 94518 2457
2021-2024 Loan
5.58%
▼
APR5.58%
Last UpdatedJuly 6, 2026
Details
100% Financing APR; Fixed
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 UpdatedJuly 6, 2026
Details
No additional details available.
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
266 W Main St, Woodland, CA, 95695
Signature Loans
5.64%
▼
APR5.64%
Last UpdatedJuly 6, 2026
Details
As low as; APR*
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
5.69%
▼
APR5.69%
Last UpdatedJuly 6, 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
Vacation Loans
5.69%
▼
APR5.69%
Last UpdatedJuly 6, 2026
Details
As Low As; Borrow up to $2,500
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
10 Year Loan
5.70%
▼
APR5.70%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2222 W Shaw Ave, Fresno, CA, 93711 3419
ECOlogical Loan
5.73%
▼
APR5.73%
Last UpdatedJuly 6, 2026
Details
Available through June 30, 2026
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA, 94118 1903
10 Year Loan
5.73%
▼
APR5.73%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Relocation Loan
5.90%
▼
APR5.90%
Last UpdatedJuly 6, 2026
Details
Borrow up to $5,000
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2021-2024 Model Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
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 UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 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
VA Loans
6.07%
▼
APR6.07%
Last UpdatedJuly 6, 2026
Details
As Low As; Subject to credit approval. Some restrictions may apply.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
2025 to 2027 Models Loan
6.15%
▼
APR6.15%
Last UpdatedJuly 6, 2026
Details
Model Year: 2025 to 2027
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
6.17%
▼
APR6.17%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
6.20%
▼
APR6.20%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1990 Westwood Blvd, Los Angeles, CA, 90025
Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 6, 2026
Details
Over $30,000.00; Over $30,000.00
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2025 & Newer Model Years Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 120%
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 UpdatedJuly 6, 2026
Details
As Low As
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
6.27%
▼
APR6.27%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
6.38%
▼
APR6.38%
Last UpdatedJuly 6, 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
Balance Transfer Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
Pacific Crest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1030 N Main St Ste 101, Alturas, CA, 96101 3391
Power Sports Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 6, 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
6.49%
▼
APR6.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
5/1 Adj Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 6, 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 Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
5 year Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
As Low As
Pacific Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1355 Willow Way, Concord, CA, 94520
High Balance Loan
6.53%
▼
APR6.53%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
10/1 Adj Loan
6.59%
▼
APR6.59%
Last UpdatedJuly 6, 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
6.59%
▼
APR6.59%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
7/1 Adj Loan
6.61%
▼
APR6.61%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
Variable Rate
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 UpdatedJuly 6, 2026
Details
As Low As; Up to $25,000
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
7 year Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8815 Folsom Blvd, Sacramento, CA, 95826
Vacation Loan
6.95%
▼
APR6.95%
Last UpdatedJuly 6, 2026
Details
Life moves fast. Whether it's fun with the kids, milestone anniversary, a family reunion, or a much-needed reset, don't miss out on creating memories.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Utah Housing VA Loan
6.96%
▼
APR6.96%
Last UpdatedJuly 6, 2026
Details
As Low As; Interest Rate: 6.5%
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
39 S Livermore Ave Ste 101, Livermore, CA, 94550 3119
Vacant Land Loan
6.96%
▼
APR6.96%
Last UpdatedJuly 6, 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 Loans
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 2026
Details
As Low As; Up to $40,000
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
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 UpdatedJuly 6, 2026
Details
Max. Amt.: $2,500
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA, 92123
Computer Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 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 UpdatedJuly 6, 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
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
As Low As
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2801 H St, Bakersfield, CA, 93301 1913
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
As Low As
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA, 93003 5332
Computers, printers, televisions, mobile phones Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Technology Loan Rates
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
10 year Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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
7.05%
▼
APR7.05%
Last UpdatedJuly 6, 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- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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
7.18%
▼
APR7.18%
Last UpdatedJuly 6, 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
7.24%
▼
APR7.24%
Last UpdatedJuly 6, 2026
Details
As Low As*
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA, 92808 2243
New Quads/ Side by Side Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 6, 2026
Details
Max APR: 11.24%
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
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 UpdatedJuly 6, 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
7.28%
▼
APR7.28%
Last UpdatedJuly 6, 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- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
401 W 2nd St, San Bernardino, CA, 92401
Utah Housing FHA Loan
7.33%
▼
APR7.33%
Last UpdatedJuly 6, 2026
Details
As Low As; Interest Rate: 6.5%
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 UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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 UpdatedJuly 6, 2026
Details
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
SAG AFTRA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
134 N Kenwood St, Burbank, CA, 91505
2016-2020 Model Years Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
Financing LTV based upon creditworthiness: 100%
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 UpdatedJuly 6, 2026
Details
No additional details available.
MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9420 Farnham St, San Diego, CA, 92123
Green Living Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 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
Church Corporate Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 6, 2026
Details
Loans up to $250,000. 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 Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; Up to $25,000
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 UpdatedJuly 6, 2026
Details
As Low As*
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2817 16th St, Bakersfield, CA, 93301 3210
UTV/Side by Side (New) Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 6, 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
7.75%
▼
APR7.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 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
New (2018 and newer) - Terms up to 36 Months Loan
7.90%
▼
APR7.90%
Last UpdatedJuly 6, 2026
Details
New (2018 and newer)
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 UpdatedJuly 6, 2026
Details
As Low As; Maximum Amount: $20,000
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 UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 2026
Details
Fixed
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 UpdatedJuly 6, 2026
Details
As low as; Click Here
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 UpdatedJuly 6, 2026
Details
APR up to 7.99%; $2,000; direct deposit and automatic payments.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
701 W 18th St, Antioch, CA, 94509 1586
Life Happens Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; 1
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $500+
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 UpdatedJuly 6, 2026
Details
No additional details available.
Union Yes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1918 W CHAPMAN AVE STE 100, ORANGE, CA, 92868
Commodities/Precious Metals Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 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
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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
Tier One - Loans up to $49,000
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 2026
Details
$10,000; As Low As
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
670 Lincoln Ave, San Jose, CA, 95126 3704
2018 AND OLDER Loan
8.04%
▼
APR8.04%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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
8.24%
▼
APR8.24%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $2,500+
Powered by
MonitorBankRates
California Personal Loan Rates
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 UpdatedJuly 6, 2026
Details
6.40% APR; 7.40% APR
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 UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500 - $25,000
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 UpdatedJuly 6, 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 Loans
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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 Loans
7.50%
▼
APR7.50%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 2026
Details
No additional details available.
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 UpdatedJuly 6, 2026
Details
As low as; Click Here
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $500+
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 UpdatedJuly 6, 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
8.24%
▼
APR8.24%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $2,500+
Powered by
MonitorBankRates
California Debt Consolidation Loan Rates
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 UpdatedJuly 6, 2026
Details
As Low As; 1
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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
No additional details available.
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
7062 Market Place Dr, Goleta, CA, 93117 5902
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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
11.30%
▼
APR11.30%
Last UpdatedJuly 6, 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
Debt Consolidation Loan
12.00%
▼
APR12.00%
Last UpdatedJuly 6, 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
12.30%
▼
APR12.30%
Last UpdatedJuly 6, 2026
Details
As Low As; 1
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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; 1
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 UpdatedJuly 6, 2026
Details
As Low As; 1
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 UpdatedJuly 6, 2026
Details
As Low As; 1
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA, 92227
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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 Loan
13.49%
▼
APR13.49%
Last UpdatedJuly 6, 2026
Details
As Low As; **
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 UpdatedJuly 6, 2026
Details
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. Rates may be adjusted based on Transunion Vantage Score.
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 UpdatedJuly 6, 2026
Details
As Low As; 1
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 UpdatedJuly 6, 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
16.44%
▼
APR16.44%
Last UpdatedJuly 6, 2026
Details
As Low As; 1
Powered by
MonitorBankRates
California Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sea Air Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
800 Seal Beach Blvd Bldg 12, Seal Beach, CA, 90740
Signature Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 6, 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
5.64%
▼
APR5.64%
Last UpdatedJuly 6, 2026
Details
As low as; APR*
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 UpdatedJuly 6, 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
6.74%
▼
APR6.74%
Last UpdatedJuly 6, 2026
Details
As Low As; Up to $25,000
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 UpdatedJuly 6, 2026
Details
No additional details available.
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2801 H St, Bakersfield, CA, 93301 1913
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As; Up to $25,000
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 UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 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 UpdatedJuly 6, 2026
Details
As Low As
Powered by
MonitorBankRates
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
10.142%
Unchanged vs 7 days ago
California personal loan rates currently average 10.142% APR.
Signature Loan — CA Avg
11.408%
Unchanged vs 7 days ago
California signature loan rates currently average 11.408% APR.
As of Jul 6, 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?
- Compass Community Credit Union: 3.99% (Cash Back Offer Loan)
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
- KeyPoint Credit Union: 3.99% (Credit Starter Loan)
- Citizens Equity First Credit Union: 3.99% (2026 AND NEWER Loan)
- Upward Credit Union: 4.24% (Credit Builder Loan)
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: July 6, 2026.
