Best Personal Loan Rates in 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 California include: SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union134 N Kenwood St, Burbank, CA, 91505A+5.0 ★Texas Ratio: 2.95% offering 2025 & Newer Model Years Loan at 3.99% APR, Compass Community Credit UnionCompass Community Credit Union321 Wabash Ave, Eureka, CA, 95501A+5.0 ★Texas Ratio: 0.31% offering Cash Back Offer Loan at 3.99% APR, KeyPoint Credit UnionKeyPoint Credit Union7062 Market Place Dr, Goleta, CA, 93117 5902A+5.0 ★Texas Ratio: 2.09% offering Credit Starter Loan at 3.99% APR, Upward Credit UnionUpward Credit Union1860 El Camino Real Ste 100, Burlingame, CA, 94010 3106A5.0 ★Texas Ratio: 6.39% offering Credit Builder Loan at 4.24% APR, and Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1221 Nevin Ave, Richmond, CA, 94801 3123A+5.0 ★Texas Ratio: 3.58% offering 2011 to 2015 Loan at 4.40% APR. Personal loan rates as of June 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across California side-by-side. California personal loan rates currently start as low as 3.99% APR from SAG AFTRA Federal Credit Union at 134 N Kenwood St, Burbank, CA, 91505. 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 California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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 21, 2026
California Personal Loan Rates
No additional details available.
No payments for 60-days.
No additional details available.
No additional details available.
$500 - $1,500
Model Year: 2011 to 2015
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; no payments for up to 90 days. Offer ends 6/30/2026.
No additional details available.
Model Year: 2016 to 2019
Model Year: 2020 to 2024
As Low As
Model Year: 2025 to 2027
No additional details available.
No additional details available.
No additional details available.
As Low As
Model Year: 2025 to 2027
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
No additional details available.
No additional details available.
Fixed; Minimum of $30,000 financed for 84 months.
No additional details available.
Regular APR: 13.99%
Regular APR: 15.49%
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
$3,000 Max
No additional details available.
No additional details available.
No additional details available.
Model Year: 2011 to 2015
Model Year: 2016 to 2019
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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.
$50,000; As Low As
No additional details available.
No additional details available.
No additional details available.
Introductory APR
No additional details available.
100% MSRP/N.A.D.A Value
100% MSRP/Appraisal Value
No additional details available.
Fixed; + title & escrow
Model Year: 2025 to 2027
No additional details available.
No additional details available.
Fixed; Minimum of $30,000 financed for 84 months.
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
As Low As; Borrow up to $2,500
Available through June 30, 2026
No additional details available.
No additional details available.
***
No additional details available.
No additional details available.
No additional details available.
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.
No additional details available.
***
No additional details available.
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
No additional details available.
No additional details available.
Over $30,000.00
No additional details available.
No additional details available.
No additional details available.
As Low As
APR=Annual Percentage Rate. Rates subject to change without notice. Loans up to $832,750. Maximum loan to value of 80%.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Loan Amount: $500 - $25,000
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Variable Rate
As Low As
No additional details available.
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.
No additional details available.
As Low As; Utah Housing VA
As Low As
No additional details available.
Max. Amt.: $2,500
As Low As; Up to $40,000
No additional details available.
As Low As
As Low As; Technology Loan Rates
As Low As
No additional details available.
As Low As
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%
No additional details available.
As Low As*
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%.
No additional details available.
As Low As; Utah Housing FHA
No additional details available.
California Personal Loan Rates
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*
California Debt Consolidation Loan Rates
Rates starting at 6.53% APR1
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
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.
As Low As
No additional details available.
As Low As
California Signature Loan Rates
As Low As
As low as
No additional details available.
No additional details available.
As Low As; Up to $25,000
No additional details available.
No additional details available.
As low as
California Personal Loan Rate Trends
Compare local California 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 0.263 points over the past 7 days to 9.922% 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 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 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 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 California?
What are the best personal loan rates in California?
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
- Compass Community Credit Union: 3.99% (Cash Back Offer Loan)
- KeyPoint Credit Union: 3.99% (Credit Starter Loan)
- Upward Credit Union: 4.24% (Credit Builder Loan)
- Sun Pacific Federal Credit Union: 4.40% (2011 to 2015 Loan)
