Best Personal Loan Rates in Huntington Beach, 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 Huntington Beach, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union7151 Warner Ave, Huntington Beach, CA, 92647A+5.0 ★Texas Ratio: 5.68% offering Personal Loan at 7.99% APR, Kinecta Federal Credit UnionKinecta Federal Credit Union7881 Edinger Ave, Huntington Beach, CA, 92647A+5.0 ★Texas Ratio: 4.14% offering Loan at 9.74% APR, Huntington Beach Credit UnionHuntington Beach Credit Union2000 Main St # B272, Huntington Beach, CA, 92648 2702A+5.0 ★Texas Ratio: 0.94% offering Unsecured Signature Loan at 10.00% APR, Orange Countys Credit UnionOrange Countys Credit Union10111 Adams Ave Ste 101, Huntington Beach, CA, 92646 4900A+5.0 ★Texas Ratio: 4.12% offering Personal Loan at 12.50% APR, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union6885 Warner Ave, Huntington Beach, CA, 92647 5303B4.4 ★Texas Ratio: 21.76% offering Personal Loan at 13.74% APR. Personal loan rates as of April 14, 2026 according to verified data from MonitorBankRates.
Huntington Beach has 5 local institutions in our database, with personal loan rates as low as 7.99% APR from SchoolsFirst Federal Credit Union at 7151 Warner Ave, Huntington Beach, CA, 92647. 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 Huntington Beach, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Huntington Beach, 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 14, 2026
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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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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
As Low As; Maximum term 48 months; Up to $10,000
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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.
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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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As Low As; Maximum Loan Amount: $125,000
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$50,000; As Low As
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$2,500; As Low As
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Borrow up to $5,000
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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Approximate Term: Up to 60 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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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; 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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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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.
As Low As; Up to $40,000
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Approximate Term: Up to 84 months
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Solar loans will have a UCC Filing attached to them.
Up to $50,000
New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
$500; As Low As
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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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$100 - $20,000; As Low As
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$2,500-$15,000; As Low As
$500 - $2,000
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up to $250,000; As Low As; 10 year fixed
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$10,000; As Low As
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Limited-Time Offer
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Contact Credit Union for qualifying terms and individual rates
Up to $50,000
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As Low As; Maximum Loan Amount: $125,000
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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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Contact Credit Union for qualifying terms and individual rates
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Huntington Beach, CA Personal Loan Rate Trends
Compare local Huntington Beach, 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 0.027 points over the past 7 days to 10.635% APR.
California signature loan rates rose 0.004 points over the past 7 days to 11.180% 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 Huntington Beach, California?
What are the best personal loan rates in Huntington Beach, California?
- SchoolsFirst Federal Credit Union: 7.99% (Personal Loan)
- Kinecta Federal Credit Union: 9.74% (Loan)
- Huntington Beach Credit Union: 10.00% (Unsecured Signature Loan)
- Orange Countys Credit Union: 12.50% (Personal Loan)
- UNIFY Financial Federal Credit Union: 13.74% (Personal Loan)
Huntington Beach, California Rates & Resources
Personal Loan Calculators
