Best Personal Loan Rates in San Francisco, 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 Francisco, California include: The Police Credit UnionThe Police Credit Union802 Bryant St, San Francisco, CA, 94103A+5.0 ★Texas Ratio: 1.59% offering Personal Loan at 4.24% APR, San Francisco Federal Credit UnionSan Francisco Federal Credit Union770 Golden Gate Ave, San Francisco, CA, 94102 3120A+5.0 ★Texas Ratio: 1.14% offering Personal Loans at 4.99% APR, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94118 1903A+5.0 ★Texas Ratio: 4.90% offering Fixed High Balance Rate Loans 10 Year at 5.58% APR, LendingClubLendingClub595 Market St, San Francisco, CA, 94105A5.0 ★Texas Ratio: 6.13% offering Debt Paydown Loan at 6.53% APR, and ILWU Federal Credit UnionILWU Federal Credit Union400 N Point St, San Francisco, CA, 94133A+5.0 ★Texas Ratio: 4.69% offering Signature Loan at 6.74% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
San Francisco has 6 local institutions in our database, with personal loan rates as low as 4.24% APR from The Police Credit Union at 802 Bryant St, San Francisco, CA, 94103. 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 Francisco, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Francisco, 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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Rates starting at 6.53% APR1
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APR ranges from 6.53% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
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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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$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.
Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Maximum Loan Amount: $125,000
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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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Require checking with Direct Deposit
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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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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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New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
As Low As; Up to $40,000
Solar loans will have a UCC Filing attached to them.
Approximate Term: Up to 84 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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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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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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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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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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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; $5,000 Minimum; $50,000 Maximum
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APR ranges from 6.53% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.
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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San Francisco, CA Personal Loan Rate Trends
Compare local San Francisco, 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 San Francisco, California?
What are the best personal loan rates in San Francisco, California?
- The Police Credit Union: 4.24% (Personal Loan)
- San Francisco Federal Credit Union: 4.99% (Personal Loans)
- San Francisco Fire Credit Union: 5.58% (Fixed High Balance Rate Loans 10 Year)
- LendingClub: 6.53% (Debt Paydown Loan)
- ILWU Federal Credit Union: 6.74% (Signature Loan)
Personal Loan Calculators
