Best Personal Loan Rates in Los Altos, 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 Los Altos, California include: Star One Credit UnionStar One Credit Union495 S San Antonio Rd, Los Altos, CA, 94022 3618A+5.0 ★Texas Ratio: 0.72% offering Solar Loans at 6.25% APR, Exchange BankExchange Bank1 1st St, Los Altos, CA, 94022A+5.0 ★Texas Ratio: 2.21% offering Unsecured Personal Loan or more at 13.26% 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 Ohio Healthcare Federal Credit UnionOhio Healthcare Federal Credit UnionA+5.0 ★Texas Ratio: 1.11% offering Recreational Loans at 4.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Los Altos has 2 local institutions in our database, with personal loan rates as low as 6.25% APR from Star One Credit Union at 495 S San Antonio Rd, Los Altos, CA, 94022 3618. 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 Los Altos, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Los Altos, 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 11, 2026
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$10,000; Documentation fee $60.00; Subject to additional finance charges.
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$6,000; Documentation fee $60.00; Subject to additional finance charges.
$3,500; Documentation fee $60.00; Subject to additional finance charges.
$2,500; Documentation fee $60.00; Subject to additional finance charges.
$1,500; Documentation fee $60.00; Subject to additional finance charges.
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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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$3,000 Max
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
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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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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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Borrow up to $5,000
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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
Require checking with Direct Deposit
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As Low As; 5-Year fixed rate
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 60 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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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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Solar loans will have a UCC Filing attached to them.
As Low As; Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 84 months
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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
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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$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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$10,000; As Low As
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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
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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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Personal Loan
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Limited-Time Offer
Up to $50,000
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As Low As; Maximum Loan Amount: $125,000
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Contact Credit Union for qualifying terms and individual rates
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$10,000; Documentation fee $60.00; Subject to additional finance charges.
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$6,000; Documentation fee $60.00; Subject to additional finance charges.
$3,500; Documentation fee $60.00; Subject to additional finance charges.
$2,500; Documentation fee $60.00; Subject to additional finance charges.
$1,500; Documentation fee $60.00; Subject to additional finance charges.
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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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Personal Loan
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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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Los Altos, CA Personal Loan Rate Trends
Compare local Los Altos, 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 1.630 points over the past 7 days to 11.978% APR.
California signature loan rates fell 0.315 points over the past 7 days to 11.166% 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 Los Altos, California?
What are the best personal loan rates in Los Altos, California?
- Star One Credit Union: 6.25% (Solar Loans)
- Exchange Bank: 13.26% (Unsecured Personal Loan or more)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
- USC Credit Union: 3.99% (GoGreen Loan)
- Ohio Healthcare Federal Credit Union: 4.00% (Recreational Loans)
Personal Loan Calculators
