Best Personal Loan Rates in Irvine, 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 Irvine, California include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union4000 Barranca Pkwy Ste 150, Irvine, CA, 92604 1712A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5305 Alton Pkwy Ste C, Irvine, CA, 92604A+5.0 ★Texas Ratio: 5.68% offering Personal Loan at 7.99% APR, Orange Countys Credit UnionOrange Countys Credit Union6448 Irvine Blvd, Irvine, CA, 92620A+5.0 ★Texas Ratio: 4.12% offering Personal Loan at 12.50% APR, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union3200 El Camino Real Ste 200, Irvine, CA, 92602 1381B4.4 ★Texas Ratio: 21.76% offering Personal Loan at 13.74% 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 14, 2026 according to verified data from MonitorBankRates.
Irvine has 4 local institutions in our database, with personal loan rates as low as 4.99% APR from Firefighters First Federal Credit Union at 4000 Barranca Pkwy Ste 150, Irvine, CA, 92604 1712. 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 Irvine, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Irvine, 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.
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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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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As Low As; 5-Year fixed rate
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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
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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
$100 - $60,000; As Low As
$2,500-$15,000; As Low As
$500 - $2,000
As Low As; Up to $40,000
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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Irvine, CA Personal Loan Rate Trends
Compare local Irvine, 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 currently average 10.608% APR.
California signature loan rates currently average 11.176% 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 Irvine, California?
What are the best personal loan rates in Irvine, California?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- SchoolsFirst Federal Credit Union: 7.99% (Personal Loan)
- Orange Countys Credit Union: 12.50% (Personal Loan)
- UNIFY Financial Federal Credit Union: 13.74% (Personal Loan)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
