California Personal Loan Rate Trends
Track current and weekly average personal loan rates in California, view interactive rate trend charts, and compare local CA aprs against the national average.
Current California Personal Loan Rate Trends
Personal Loan rates in California rose 0.264 this week, pushing the Personal Loan average to 9.928%, up from 9.664% last week.
At 9.928%, California’s average sits 0.953 below the current national average of 10.882%. CA borrowers may have a competitive advantage relative to the national market.
The California personal loan rate averages on this page are calculated from 441 verified personal loan rate quotes collected across 143 banks and credit unions actively operating in California. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
California Personal Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
California personal loan rate averages compiled from 441 current rate quotes across 143 banks and credit unions operating in CA — updated daily.
As of May 23, 2026 • Data provided by MonitorBankRates.com
Historical Personal Loan Rate Trends in California
Quarterly average personal loan rates at credit unions headquartered in California, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in California (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by personal loan portfolio balance.
