Best Personal Loan Rates in California - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in California include: 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, 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, Skyone Federal Credit UnionSkyone Federal Credit Union14600 Aviation Blvd, Hawthorne, CA, 90250A5.0 ★Texas Ratio: 9.93% offering Paycheck Perks Loan at 4.00% APR, 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, and Citizens Equity First Credit UnionCitizens Equity First Credit Union670 Lincoln Ave, San Jose, CA, 95126 3704A5.0 ★Texas Ratio: 6.36% offering 2024-2025 Loan at 4.24% APR. Personal loan rates as of July 25, 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 SAG AFTRA Federal Credit Union at 134 N Kenwood St, Burbank, CA, 91505. 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 25, 2026
California Personal Loan Rates
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No payments for 60-days.
Intro Rate
$500 - $1,500
No additional details available.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As*
No additional details available.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR is based on a $100,000 loan amount.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Fixed
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Regular APR: 13.99%
No additional details available.
No additional details available.
No additional details available.
Regular APR: 15.49%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As
No additional details available.
6.40% APR<br/>7.40% APR
No additional details available.
APR is based on a $100,000 loan amount.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
No additional details available.
Fixed
No additional details available.
rates as low as
Max. $2,500
As Low As; Borrow up to $2,500 with repayment terms up to 12 months.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As low as
OAC; Terms based on credit
No additional details available.
No additional details available.
100% MSRP/Appraisal Value
As Low As; Subject to credit approval. Some restrictions may apply.
Over $30,000.00; As Low As
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As Low As; Loan Amount: $500 - $25,000
As low as
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As low as; Qualifying balance up to $25,000
As Low As; Signature APR as low as 6.75%
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Rates as low as 6.95% APR*
No additional details available.
No additional details available.
Max. Amt.: $2,500
As Low As; Up to $40,000
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As low as; Loyalty rate displayed. View details.
OAC; Terms based on credit
As low as
As Low As; Technology Loan Rates
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Max. $100,000
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
*See Below
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
Max APR: 11.24%
As Low As
No additional details available.
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Rates As Low As
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.
As Low As; Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Up to $40,000
As Low As
As low as; Qualifying balance up to $25,000
Rate offering of 7.75% requires automatic payment. On approved credit. Subject to Foothill's lending guidelines & procedures. Rates subject to change without notice. Must be a Foothill member and meet membership qualifications. A Living Trust must be established with Affinity Trust to get this loan.
No additional details available.
Model Year: New (2018 and newer)
No additional details available.
No additional details available.
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
As Low As
No additional details available.
APR up to 7.99%
As Low As
No additional details available.
As Low As; Minimum loan amount $500+
No additional details available.
As Low As
Up to 60% of land value.
We charge a loan origination fee of 1% of the loan amount
Rates As Low As; Limited Time Offer
rates as low as
As Low As
As Low As; Minimum loan amount $2,500+
As Low As; Up to Intro Rate 18.39%
No additional details available.
No additional details available.
As Low As; Minimum loan amount $3,000+
As Low As; amounts $20,001-$35,000
No additional details available.
No additional details available.
No additional details available.
California Personal Loan Rates
6.40% APR<br/>7.40% APR
As Low As; Loan Amount: $500 - $25,000
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
As Low As
As Low As; Up to $40,000
As low as; Loyalty rate displayed. View details.
As Low As
All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.
As Low As; Up to $40,000
As Low As
No additional details available.
As Low As; Minimum loan amount $500+
As Low As
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
As Low As; Minimum loan amount $2,500+
As Low As
Rates As Low As; Limited Time Offer
As Low As; Minimum loan amount $3,000+
As Low As; amounts $20,001-$35,000
California Debt Consolidation Loan Rates
Loan Maximum: $50,000
No additional details available.
No additional details available.
As low as (based on term)
Loan Amount: Up to $30,000.00
No additional details available.
California Signature Loan Rates
rates as low as
No additional details available.
No additional details available.
As low as; Qualifying balance up to $25,000
As Low As; Signature APR as low as 6.75%
No additional details available.
No additional details available.
As low as; Qualifying balance up to $25,000
No additional details available.
No additional details available.
As Low As; Up to Intro Rate 18.39%
rates as low as
No additional details available.
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 fell 0.203 points over the past 7 days to 9.928% APR.
California signature loan rates rose 0.081 points over the past 7 days to 11.526% APR.
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 are the best personal loan rates in California?
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
- Compass Community Credit Union: 3.99% (Cash Back Offer Loan)
- Skyone Federal Credit Union: 4.00% (Paycheck Perks Loan)
- Upward Credit Union: 4.24% (Credit Builder Loan)
- Citizens Equity First Credit Union: 4.24% (2024-2025 Loan)
