Best Personal Loan Rates in California - June 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: San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4926 La Cuenta Dr, San Diego, CA, 92124 2609A+5.0 ★Texas Ratio: 0.91% offering Model Years 2021 and Newer Loan at 4.19% APR, The Police Credit UnionThe Police Credit Union1250 Grundy Ln, SAN Bruno, CA, 94066A+5.0 ★Texas Ratio: 1.53% offering 37-48 months Loan at 4.24% 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, USC Credit UnionUSC Credit Union3720 S Flower St FL 4, Los Angeles, CA, 90089A+5.0 ★Texas Ratio: 5.50% offering Computer Loan at 4.49% APR, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA, 94553A+5.0 ★Texas Ratio: 0.24% offering Title Loans at 4.50% APR. Personal loan rates as of June 11, 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 4.19% APR from San Diego Firefighters Federal Credit Union at 4926 La Cuenta Dr, San Diego, CA, 92124 2609. 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: June 11, 2026
California Personal Loan Rates
As Low As
As Low As
$500 - $1,500
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
As Low As
As Low As
Regular APR: 15.49%
Regular APR: 13.99%
Maximum Loan Amount: Up to $15,000.00
Maximum loan amount: Up to 100% of the available certificate balance
Maximum Loan Amount: $2,500.00
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Loan Amount: Up to $25,000
As Low As; APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
100% MSRP/N.A.D.A Value
100% MSRP/Appraisal Value
As Low As; Loans $50,000 up to $250,000
No additional details available.
No additional details available.
No additional details available.
Rates as low as
As low as: 5.60%. Loan approval subject to credit, income, property appraisal and qualifications. Not all will qualify. Costs may be associated with this loan. Offer not valid on current AdelFi loans. Membership required.
No additional details available.
No additional details available.
$2,500; As Low As
No additional details available.
As Low As
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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.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
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As Low As
As Low As
6
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Maximum Loan Amount: Up to $25,000
No additional details available.
As Low As; Credit Line: $5,000 to $15,000 + Current Prime Rate
As Low As; Borrow up to $25,000
As Low As; Loan Amount: $500 - $25,000
As Low As
No additional details available.
30-Year Rates As Low As; Primary Residence
No additional details available.
No additional details available.
No additional details available.
Variable Rate
No additional details available.
No additional details available.
Up to $25,000; As Low As
Introductory Rate
Introductory Rate
As Low As; Rates effective as of 12/15/2025 and subject to change. Loan amount between $5,000 and $250,000 with repayment terms of up to 36 months. Requires a Uniform Commercial Code-1 (UCC-1) filing and/or a clean title with Frontwave Credit Union as the verified lienholder depending on collateral type, a Personal Guaranty and must pay a $150 origination fee.
No additional details available.
No additional details available.
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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
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.
No additional details available.
Up to $50,000
As Low As; Up to $40,000
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Technology Loan Rates
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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.
$100,000; As Low As
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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.
$100,000; As Low As
As Low As
Max APR: 11.24%
No additional details available.
As Low As
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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%.
$100,000; As Low As
No additional details available.
No additional details available.
As Low As
Maximum Loan Amount: Up to $25,000
No additional details available.
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. 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.
Up to $50,000
No additional details available.
No additional details available.
As Low As; Up to $40,000
up to $250,000; No prepayment penalties; Personal guarantees may be waived
3
Up to $25,000; As Low As
As Low As
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.
As Low As; Rates effective as of 12/15/2025 and subject to change. Line of credit between $5,000 and $250,000. Requires a Personal Guaranty. $100 annual fee.
No additional details available.
No additional details available.
As Low As; Maximum Amount: $20,000
No additional details available.
New (2018 and newer)
Qualifications Required: direct deposit; automatic payments; As Low As; Restrictions apply, ask for details.
As Low As; 1
As Low As
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
As Low As; *
As Low As
As Low As
Up to $50,000
No additional details available.
(Fixed)
As Low As
As Low As
As Low As; Loans $10,000 up to $49,000
As Low As; Credit Line: $300 to $4,999 + Current Prime Rate
No additional details available.
As Low As; *APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
APRs as low as
As Low As; Up to 60% of land value. 1 point.
As Low As
As Low As
As Low As
California Personal Loan Rates
Maximum Loan Amount: Up to $25,000
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount.
As Low As; APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Maximum Loan Amount: Up to $25,000
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Up to $40,000
As Low As
As Low As
Maximum Loan Amount: Up to $25,000
As Low As; Up to $40,000
As Low As
No additional details available.
As Low As
As Low As
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
As Low As
California Debt Consolidation Loan Rates
As Low As; 1
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; based on term
No additional details available.
No additional details available.
$30,000 maximum - consolidate your high rate loans. Rates adjusted based on Transunion Vantage Score. May reduce rates up to 1.00% for best scores; may increase rates up to 9.75% for lowest scores. 0.25% patronage rebate available with IVFCU MasterCard Credit Card, Usage of It'sMe247, Golden Member, or E-Statement Enrollment. Additional 0.50% rebate available with recurring net pay direct deposit and automatic transfers to the loan.
As Low As; 1
No additional details available.
As Low As
As Low As; 1
California Signature Loan Rates
No additional details available.
As Low As; Credit Line: $5,000 to $15,000 + Current Prime Rate
Up to $25,000; As Low As
No additional details available.
No additional details available.
Up to $25,000; As Low As
No additional details available.
No additional details available.
As Low As; Credit Line: $300 to $4,999 + Current Prime Rate
No additional details available.
As Low As; *APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
As Low As
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 0.140 points over the past 7 days to 9.659% APR.
California signature loan rates rose 0.071 points over the past 7 days to 11.273% 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?
- San Diego Firefighters Federal Credit Union: 4.19% (Model Years 2021 and Newer Loan)
- The Police Credit Union: 4.24% (37-48 months Loan)
- Upward Credit Union: 4.24% (Credit Builder Loan)
- USC Credit Union: 4.49% (Computer Loan)
- 1st Northern California Credit Union: 4.50% (Title Loans)
