Best Personal Loan Rates in Cerritos, California (CA) - April 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 Cerritos, California include: Los Angeles Federal Credit UnionLos Angeles Federal Credit Union11306 South St, Cerritos, CA, 90703A+5.0 ★Texas Ratio: 3.94% offering 2nd Trust Deed Fixed Loan Programs 5 year at 6.50% APR, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union17500 Bloomfield Ave Ste C, Cerritos, CA, 90703A+5.0 ★Texas Ratio: 5.68% offering Personal Loan at 7.99% APR, LBS Financial Credit UnionLBS Financial Credit Union11239 183rd St, Cerritos, CA, 90703 5417A+5.0 ★Texas Ratio: 2.06% offering Signature Loan (Unsecured) at 9.79% APR, Popa Federal Credit UnionPopa Federal Credit Union13304 Alondra Blvd, Cerritos, CA, 90703A+5.0 ★Texas Ratio: 2.21% offering Signature at 12.49% APR, and KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Cerritos has 4 local institutions in our database, with personal loan rates as low as 6.50% APR from Los Angeles Federal Credit Union at 11306 South St, Cerritos, CA, 90703. Use the tabs below to compare all available personal loan types. 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 Cerritos, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cerritos, 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: April 19, 2026
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No additional details available.
As Low As; Rate reflects a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU account. Rate, terms and conditions may vary based on creditworthiness, amount financed and program qualifications.
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Exclusively for CSULB staff, students and faculty
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No additional details available.
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variable
No additional details available.
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As Low As; Maximum term 48 months; Up to $10,000
As Low As; Terms up to 120 months; Competitive rates - as low as you'll find anywhere! Can even cost less than promotional dealer financing; Pre-approvals to make shopping easy; Loan refinance from other lender; No pre-payment penalty; No application fee
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As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
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$3,000 Max
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$50,000; As Low As
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$2,500; As Low As
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Loan Amount: $5,000 Maximum; Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
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Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
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No additional details available.
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As Low As; 5-Year fixed rate
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No additional details available.
Approximate Term: Up to 60 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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No additional details available.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Approximate Term: Up to 72 months
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New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
Up to $50,000
Solar loans will have a UCC Filing attached to them.
No additional details available.
Approximate Term: Up to 84 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Loan To Value up to 85%. Rates subject to change without notice. This loan is secured by your home. Property must be located in the following counties: Orange, Los Angeles, Riverside, San Bernardion, Ventura and San Diego. Property must be owner-occupied. Rates and terms quoted are for single family dwellings. Member fees may include appraisal, title change, recording fees and any other related fees.
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$100,000; As Low As
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As Low As; Maximum Loan Amount: $125,000
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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$20,000; As Low As
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Up to $50,000
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$500 - $2,000
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up to $250,000; As Low As; 10 year fixed
No additional details available.
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(Fixed)
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Limited-Time Offer
Up to $50,000
No additional details available.
As Low As; Maximum Loan Amount: $125,000
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No additional details available.
Contact Credit Union for qualifying terms and individual rates
$10,000; As Low As
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As Low As; Up to $15,000, 60 months over 10K borrowed
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; $30,000 maximum - consolidate your high rate loans
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variable
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Contact Credit Union for qualifying terms and individual rates
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As Low As; Up to $15,000, 60 months over 10K borrowed
Cerritos, CA Personal Loan Rate Trends
Compare local Cerritos, CA 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 0.055 points over the past 7 days to 10.664% APR.
California signature loan rates rose 0.052 points over the past 7 days to 11.228% APR.
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 Cerritos, California?
What are the best personal loan rates in Cerritos, California?
- Los Angeles Federal Credit Union: 6.50% (2nd Trust Deed Fixed Loan Programs 5 year)
- SchoolsFirst Federal Credit Union: 7.99% (Personal Loan)
- LBS Financial Credit Union: 9.79% (Signature Loan (Unsecured))
- Popa Federal Credit Union: 12.49% (Signature)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
