Best Personal Loan Rates in Lake Forest, 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 Lake Forest, California include: Eagle Community Credit UnionEagle Community Credit Union24336 Rockfield Blvd, Lake Forest, CA, 92630A+5.0 ★Texas Ratio: 3.74% offering Energy Loan at 5.99% APR, Orange Countys Credit UnionOrange Countys Credit Union21791 Lake Forest Dr Ste 110, Lake Forest, CA, 92630A+5.0 ★Texas Ratio: 4.12% offering Personal Loan at 12.50% APR, KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR, USC Credit UnionUSC Credit UnionA+5.0 ★Texas Ratio: 5.87% offering GoGreen Loan at 3.99% APR, and The Police Credit UnionThe Police Credit UnionA+5.0 ★Texas Ratio: 1.59% offering Personal Loan at 4.24% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Lake Forest has 2 local institutions in our database, with personal loan rates as low as 5.99% APR from Eagle Community Credit Union at 24336 Rockfield Blvd, Lake Forest, CA, 92630. 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 Lake Forest, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lake Forest, 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
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. The Holiday Loan is available only during promotional periods.
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APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. The Holiday Loan is available only during promotional periods.
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As Low As; 1APR=Annual Percentage Rate. Rates as of 04/01/2026 and are subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Other rates and terms available. Sample Payment: $227.98 (based on 144 month term, $25,000, 4.74% APR). Rate reflects a .50% discount for Automatic Payment. Rate buydown fee may apply. Interest will accrue from date of funding. UCC1 lien will be recorded on property. Restrictions may apply. Membership required.
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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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No additional details available.
$3,000 Max
Fixed
As Low As; Maximum Loan Amount: $125,000
No additional details available.
$50,000; As Low As
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$2,500; 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.
Approximate Term: Up to 24 months
No additional details available.
As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
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As Low As; Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions.
As Low As; 5-Year fixed rate
30-Year Rates As Low As; Primary Residence
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Approximate Term: Up to 60 months
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Rates starting at 6.53% APR1
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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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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.
No additional details available.
As Low As
Up to $50,000
Approximate Term: Up to 84 months
Solar loans will have a UCC Filing attached to them.
As Low As; Up to $40,000
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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Up to $50,000
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As Low As; Up to $40,000
up to $250,000; As Low As; 10 year fixed
No additional details available.
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FICO 720 and above
No additional details available.
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Contact Credit Union for qualifying terms and individual rates
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(Fixed)
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No additional details available.
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As Low As; Maximum Loan Amount: $125,000
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Up to $50,000
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$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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As Low As; $5,000 Minimum; $50,000 Maximum
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As Low As; (amounts $20,001-$35,000)
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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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FICO 720 and above
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As Low As; (amounts $20,001-$35,000)
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Rates starting at 6.53% APR1
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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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As Low As; Up to $15,000, 60 months over 10K borrowed
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Lake Forest, CA Personal Loan Rate Trends
Compare local Lake Forest, 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 fell 0.559 points over the past 7 days to 10.049% APR.
California signature loan rates rose 0.081 points over the past 7 days to 11.257% 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 Lake Forest, California?
What are the best personal loan rates in Lake Forest, California?
- Eagle Community Credit Union: 5.99% (Energy Loan)
- Orange Countys Credit Union: 12.50% (Personal Loan)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
- USC Credit Union: 3.99% (GoGreen Loan)
- The Police Credit Union: 4.24% (Personal Loan)
Personal Loan Calculators
