Best Personal Loan Rates in San Diego, 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 San Diego, California include: Ohio Healthcare Federal Credit UnionOhio Healthcare Federal Credit Union8985 Balboa Ave, San Diego, CA, 92123A+5.0 ★Texas Ratio: 1.11% offering Recreational Loans at 4.00% APR, Wheelhouse Credit UnionWheelhouse Credit Union9212 Balboa Ave, San Diego, CA, 92123 1514A+5.0 ★Texas Ratio: 0.46% offering Solar and Energy Efficient Loans at 4.74% APR, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4926 La Cuenta Dr, San Diego, CA, 92124 2609A+5.0 ★Texas Ratio: 0.97% offering Solar & Energy Saving Loan at 5.24% APR, Banner BankBanner Bank701 B St, San Diego, CA, 92101A+5.0 ★Texas Ratio: 1.69% offering QuickStep Equipment Loan at 6.29% APR, and Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union9326 Spectrum Center Blvd, San Diego, CA, 92123 1443A5.0 ★Texas Ratio: 8.91% offering Holiday Loan - Closed End Fixed APR as low as at 6.74% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
San Diego has 16 local institutions in our database, with personal loan rates as low as 4.00% APR from Ohio Healthcare Federal Credit Union at 8985 Balboa Ave, San Diego, CA, 92123. 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 San Diego, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Diego, 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
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
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As Low As; Maximum Loan Amount: $125,000
As Low As; Maximum Loan Amount: $125,000
As Low As; 5-Year fixed rate
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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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As Low As; Maximum Loan Amount: $125,000
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As Low As; Maximum Loan Amount: $125,000
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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.
No additional details available.
As Low As; - Low monthly payments FIXED for the life of the loan - Predictable monthly payments that stay the same for the life of the loan - Financing up to $50,000 - No collateral required - Terms up to 120 months
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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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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$50,000; As Low As
As Low As; (Fixed); Must use a State-Approved Contractor
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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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Require checking with Direct Deposit
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As Low As; Primary Residence
No additional details available.
Approximate Term: Up to 60 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; (Fixed)
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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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Approximate Term: Up to 72 months
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As Low As; Up to $40,000
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 84 months
No additional details available.
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
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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$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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Up to $50,000
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$20,000; As Low As
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up to $250,000; As Low As; 10 year fixed
$100 - $20,000; As Low As
$500 - $2,000
$2,500-$15,000; As Low As
$100 - $60,000; As Low As
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$10,000; As Low As
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Personal Loan
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Contact Credit Union for qualifying terms and individual rates
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Up to $50,000
Limited-Time Offer
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As Low As; - Low monthly payments FIXED for the life of the loan - Predictable monthly payments that stay the same for the life of the loan - Financing up to $50,000 - No collateral required - Terms up to 120 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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Personal Loan
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As Low As; $30,000 maximum - consolidate your high rate loans
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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Contact Credit Union for qualifying terms and individual rates
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San Diego, CA Personal Loan Rate Trends
Compare local San Diego, 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 San Diego, California?
What are the best personal loan rates in San Diego, California?
- Ohio Healthcare Federal Credit Union: 4.00% (Recreational Loans)
- Wheelhouse Credit Union: 4.74% (Solar and Energy Efficient Loans)
- San Diego Firefighters Federal Credit Union: 5.24% (Solar & Energy Saving Loan)
- Banner Bank: 6.29% (QuickStep Equipment Loan)
- Northrop Grumman Federal Credit Union: 6.74% (Holiday Loan - Closed End Fixed APR as low as)
Personal Loan Calculators
