Best Personal Loan Rates in Martinez, 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 Martinez, California include: 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Martinez, CA, 94553A+5.0 ★Texas Ratio: 0.24% offering Title Loans at 4.74% APR, Shell Western States Federal Credit UnionShell Western States Federal Credit Union1700 Pacheco Blvd, Martinez, CA, 94553 1976A+5.0 ★Texas Ratio: 3.52% offering Signature Loan at 7.00% APR, MCKESSON and HEALTHCARE PROVIDERS FCUMCKESSON and HEALTHCARE PROVIDERS FCU1785 Arnold Dr, Martinez, CA, 94553 4110A+5.0 ★Texas Ratio: 2.41% offering Personal Loans at 9.49% APR, USC Credit UnionUSC Credit UnionA+5.0 ★Texas Ratio: 5.87% offering GoGreen Loan at 3.99% 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.
Martinez has 3 local institutions in our database, with personal loan rates as low as 4.74% APR from 1st Northern California Credit Union at 1111 Pine St, Martinez, CA, 94553. 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 Martinez, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Martinez, 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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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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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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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.
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30-Year Rates As Low As; Primary Residence
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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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Rates starting at 6.53% APR1
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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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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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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Solar loans will have a UCC Filing attached to them.
Approximate Term: Up to 84 months
Up to $50,000
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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
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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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up to $250,000; As Low As; 10 year fixed
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FICO 720 and above
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Contact Credit Union for qualifying terms and individual rates
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; $5,000 Minimum; $50,000 Maximum
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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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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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Martinez, CA Personal Loan Rate Trends
Compare local Martinez, 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 Martinez, California?
What are the best personal loan rates in Martinez, California?
- 1st Northern California Credit Union: 4.74% (Title Loans)
- Shell Western States Federal Credit Union: 7.00% (Signature Loan)
- MCKESSON and HEALTHCARE PROVIDERS FCU: 9.49% (Personal Loans)
- USC Credit Union: 3.99% (GoGreen Loan)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
