Best Personal Loan Rates in Turlock, California - June 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 Turlock, California include: Rolling F Credit UnionRolling F Credit Union2101 GEER RD STE 401, TURLOCK, CA, 95382 2471A+5.0 ★Texas Ratio: 1.96% offering HOLIDAY/VACATION LOAN at 5.69% APR, The Golden 1 Credit UnionThe Golden 1 Credit Union2450 Geer Rd, Turlock, CA, 95382 1426A+5.0 ★Texas Ratio: 5.04% offering Personal Loan at 8.74% APR, Valley First Credit UnionValley First Credit Union3001 Countryside Dr, Turlock, CA, 95380A+5.0 ★Texas Ratio: 5.18% offering Personal Loans at 10.12% APR, KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.09% offering Credit Starter Loan at 3.99% APR, and SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit UnionA+5.0 ★Texas Ratio: 2.95% offering 2025 & Newer Model Years Loan at 3.99% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Turlock has 3 local institutions in our database, with personal loan rates as low as 5.69% APR from Rolling F Credit Union at 2101 GEER RD STE 401, TURLOCK, CA, 95382 2471. 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 Turlock, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Turlock, 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: June 16, 2026
Turlock Personal Loan Rates
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As Low As; Borrow up to $2,500
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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.
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As Low As
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Rates effective as of 05.01.2026; As Low As
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Rates effective as of 05.01.2026; As Low As
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Rates effective as of 05.01.2026; As Low As
Rates effective as of 05.01.2026; As Low As
Apply Today
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Apply Now
Apply Now
Rates vary with amount financed, term and your credit history. Late payment fee is $15.
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No payments for 60-days.
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$500 - $1,500
Model Year: 2011 to 2015
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As Low As; no payments for up to 90 days. Offer ends 6/30/2026.
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Model Year: 2016 to 2019
Model Year: 2020 to 2024
As Low As
Model Year: 2025 to 2027
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As Low As
Model Year: 2025 to 2027
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
Regular APR: 15.49%
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Regular APR: 13.99%
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Fixed; Minimum of $30,000 financed for 84 months.
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Maximum loan amount: Up to 100% of the available certificate balance
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
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$3,000 Max
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Model Year: 2011 to 2015
Model Year: 2016 to 2019
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Model Year: 2020 to 2024
As Low As
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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.
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$50,000; As Low As
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100% MSRP/Appraisal Value
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Introductory APR
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100% MSRP/N.A.D.A Value
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Fixed; + title & escrow
Model Year: 2025 to 2027
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Fixed; Minimum of $30,000 financed for 84 months.
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As low as
Available through June 30, 2026
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Borrow up to $5,000
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.
No additional details available.
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.
Rates updated 6/8/2026. Rates subject to change daily. Rates and payments listed above are based on a rate and term refinance on an Single Family Residence, with a $500,000 loan amount, a 720 FICO score, a 60% LTV ratio, and <40% DTI ratio. Files are underwritten on a case by case basis. All applications are subject to credit, income, asset, and property approval. Payments listed are for principal and interest only. Tax and insurance impounds are available and are required on some scenarios. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year. Property insurance is required on all financed properties. Maximum loan limits apply. Additional programs and rates available, call for info. Payments listed are for principal and interest only. Adjustable rate mortgages (ARM's) are variable interest rate loans. The rate and payment is subject to change during the term of the loan. Our 5/1 ARM, for example, has a total term of 30 years, with an introductory fixed rate period for 5 years, then converts to a variable rate mortgage for the remaining 25 years, adjusting once per year. Our 40 year 10/1 ARM has a total term of 40 years, with an introductory fixed-rate period for 10 years, then converts to a variable rate mortgage for the remaining 30 years, adjusting once per year.
Model Year: 2025 to 2027
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Over $30,000.00
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As Low As
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As Low As
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As Low As; Loan Amount: $500 - $25,000
As Low As
A personal loan up to $60,000 to cover expenses like a major purchase, home improvements, life events, etc.
Rates starting at 6.53% APR1
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% 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 April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
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Variable Rate
As Low As
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As Low As; Up to $25,000
Introductory Rate
Introductory Rate
As Low As; Rates effective as of 12/15/2025 and subject to change. Loan amount between $5,000 and $250,000 with repayment terms of up to 36 months. Requires a Uniform Commercial Code-1 (UCC-1) filing and/or a clean title with Frontwave Credit Union as the verified lienholder depending on collateral type, a Personal Guaranty and must pay a $150 origination fee.
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Life moves fast. Whether it's fun with the kids, milestone anniversary, a family reunion, or a much-needed reset, don't miss out on creating memories.
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As Low As; Utah Housing VA
As Low As
As Low As
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As Low As; Up to $40,000
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Max. Amt.: $2,500
As Low As; Technology Loan Rates
As Low As
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As Low As
As low as
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%.
Max APR: 11.24%
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As Low As*
As Low As
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As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Utah Housing FHA
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Turlock Personal Loan Rates
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.
No additional details available.
As Low As
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Rates effective as of 05.01.2026; As Low As
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Rates effective as of 05.01.2026; As Low As
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Rates effective as of 05.01.2026; As Low As
Rates effective as of 05.01.2026; As Low As
6.40% APR; 7.40% APR
Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
As Low As; Loan Amount: $500 - $25,000
Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% 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 April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
As Low As
As Low As
As Low As; Up to $40,000
As Low As*
Turlock Debt Consolidation Loan Rates
Rates starting at 6.53% APR1
As Low As
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As Low As
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As Low As
As Low As
As Low As
As Low As; based on term
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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.
As Low As
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As Low As
Turlock Signature Loan Rates
As Low As
As low as
No additional details available.
No additional details available.
As Low As; Up to $25,000
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As low as
Turlock, CA Personal Loan Rate Trends
Compare local Turlock, 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 0.273 points over the past 7 days to 9.931% APR.
California signature loan rates rose 0.200 points over the past 7 days to 11.473% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Turlock, 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 Turlock, 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 Turlock, 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 Turlock, California?
What are the best personal loan rates in Turlock, California?
- Rolling F Credit Union: 5.69% (HOLIDAY/VACATION LOAN)
- The Golden 1 Credit Union: 8.74% (Personal Loan)
- Valley First Credit Union: 10.12% (Personal Loans)
- KeyPoint Credit Union: 3.99% (Credit Starter Loan)
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
Personal Loan Calculators
