Best Personal Loan Rates in San Francisco, California -
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: Bank of GuamBank of Guam400 Montgomery St, San Francisco, CA, 94104A5.0 ★Texas Ratio: 10.07% offering Disaster Relief Loan at 5.00% APR, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94118 1903A+5.0 ★Texas Ratio: 4.67% offering 10 Year Loan at 5.70% APR, ILWU Federal Credit UnionILWU Federal Credit Union400 N Point St, San Francisco, CA, 94133A+5.0 ★Texas Ratio: 4.51% offering Signature Loan at 6.74% APR, The Police Credit UnionThe Police Credit Union802 Bryant St, San Francisco, CA, 94103A+5.0 ★Texas Ratio: 1.53% offering Personal Loan at 7.24% APR, and San Francisco Federal Credit UnionSan Francisco Federal Credit Union770 Golden Gate Ave, San Francisco, CA, 94102 3120A+5.0 ★Texas Ratio: 0.99% offering Debt Consolidation Loans at 7.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
San Francisco has 7 local institutions in our database, with personal loan rates as low as 5.00% APR from Bank of Guam at 400 Montgomery St, San Francisco, CA, 94104. 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: July 6, 2026
San Francisco Personal Loan Rates
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
No additional details available.
No additional details available.
As Low As; Up to $25,000
As Low As*
As Low As; Up to $25,000
As Low As*
As Low As; 1
As Low As*
amounts $20,001-$35,000
As Low As; Up to $25,000
As Low As; All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
As Low As; Up to $25,000
amounts $35,001 and over
As Low As; Maximum Loan Amount: $50,000**
As Low As; Up to $25,000
As Low As; Maximum Loan Amount: $50,000**
As Low As; $15k & over; Maximum Loan Amount: $50,000**
Apply Today
As Low As
As Low As
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As
Apply Now
As Low As; 1
Apply Now
Rates vary with amount financed, term and your credit history. Late payment fee is $15.
As Low As; 1
No additional details available.
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
No payments for 60-days.
No additional details available.
$500 - $1,500
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No payments for up to 90 days
No additional details available.
As Low As
As Low As
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
As Low As
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
Regular APR: 15.49%
Regular APR: 13.99%
No additional details available.
100% Financing APR; Fixed
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
Maximum loan amount: Up to 100% of the available certificate balance
$3,000 Max
No additional details available.
No additional details available.
Model Year: 2011 to 2015
Model Year: 2016 to 2019
No additional details available.
Financing LTV based upon creditworthiness: 120%
No additional details available.
Model Year: 2020 to 2024
As Low As
No additional details available.
No additional details available.
Model Year: 2025 to 2027
6.40% APR; 7.40% APR
Model Year: 2025 to 2027
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
100% MSRP/Appraisal Value
100% MSRP/N.A.D.A Value
Introductory APR
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
$50,000; As Low As
No additional details available.
No additional details available.
100% Financing APR; Fixed
No additional details available.
As low as; APR*
No additional details available.
As Low As; Borrow up to $2,500
Available through June 30, 2026
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
Borrow up to $5,000
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 100%
No additional details available.
No additional details available.
As Low As; Subject to credit approval. Some restrictions may apply.
Model Year: 2025 to 2027
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 100%
Financing LTV based upon creditworthiness: 120%
Over $30,000.00; Over $30,000.00
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Financing LTV based upon creditworthiness: 100%
No additional details available.
As Low As; Loan Amount: $500 - $25,000
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Variable Rate
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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As Low As; Interest Rate: 6.5%
As Low As
Financing LTV based upon creditworthiness: 100%
As Low As; Up to $40,000
Max. Amt.: $2,500
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; Technology Loan Rates
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
Max APR: 11.24%
Financing LTV based upon creditworthiness: 100%
As Low As
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Financing LTV based upon creditworthiness: 100%
No additional details available.
No additional details available.
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
As Low As; Up to $40,000
No additional details available.
No additional details available.
New (2018 and newer)
No additional details available.
As Low As; Maximum Amount: $20,000
No additional details available.
Loan Amount: $500+
No additional details available.
As low as; Click Here
As Low As; *
APR up to 7.99%; $2,000; direct deposit and automatic payments.
Fixed
As Low As
No additional details available.
As Low As
$10,000; As Low As
No additional details available.
Loan Amount: $2,500+
San Francisco Personal Loan Rates
As Low As*
As Low As*
As Low As*
amounts $20,001-$35,000
As Low As; All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
amounts $35,001 and over
As Low As; Maximum Loan Amount: $50,000**
As Low As; Maximum Loan Amount: $50,000**
As Low As; $15k & over; Maximum Loan Amount: $50,000**
6.40% APR; 7.40% APR
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Up to $40,000
As Low As; Up to $40,000
No additional details available.
No additional details available.
As low as; Click Here
Loan Amount: $500+
Loan Amount: $2,500+
San Francisco Debt Consolidation Loan Rates
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
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As Low As; based on term
No additional details available.
As Low As; **
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. Rates may be adjusted based on Transunion Vantage Score.
No additional details available.
San Francisco Signature Loan Rates
As Low As; Up to $25,000
As Low As; Up to $25,000
As Low As; Up to $25,000
As Low As; Up to $25,000
As Low As; Up to $25,000
As Low As
As Low As
As Low As
As Low As
As low as; APR*
No additional details available.
No additional details available.
As Low As
No additional details available.
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No additional details available.
As Low As
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 currently average 10.142% APR.
California signature loan rates currently average 11.408% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Francisco, California personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for San Francisco, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in San Francisco, California. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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?
- Bank of Guam: 5.00% (Disaster Relief Loan)
- San Francisco Fire Credit Union: 5.70% (10 Year Loan)
- ILWU Federal Credit Union: 6.74% (Signature Loan)
- The Police Credit Union: 7.24% (Personal Loan)
- San Francisco Federal Credit Union: 7.99% (Debt Consolidation Loans)
San Francisco, California Rates & Resources
Personal Loan Calculators
