Best Personal Loan Rates in California (CA) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to California borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in California include: KeyPoint Credit UnionKeyPoint Credit Union7062 Market Place Dr, Goleta, CA, 93117 5902A+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR, USC Credit UnionUSC Credit Union3720 S Flower St FL 4, Los Angeles, CA, 90089A+5.0 ★Texas Ratio: 5.87% offering GoGreen Loan at 3.99% APR, American United Federal Credit UnionAmerican United Federal Credit Union47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165A5.0 ★Texas Ratio: 7.60% offering Signature Loans Certificate Account at 4.00% APR, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Matadors Community Credit UnionMatadors Community Credit Union20045 Prairie St, Chatsworth, CA, 91311A+5.0 ★Texas Ratio: 1.28% offering Solar Loans at 4.74% APR. Personal loan rates as of May 7, 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 KeyPoint Credit Union at 7062 Market Place Dr, Goleta, CA, 93117 5902. 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: May 7, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7062 Market Place Dr, Goleta, CA, 93117 5902
Credit Mender Loan
3.99%
▼
APR3.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
3.99%
▼
APR3.99%
Last UpdatedMay 7, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Signature Loans Certificate Account
4.00%
▼
APR4.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
Computer Loan
4.49%
▼
APR4.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
4.49%
▼
APR4.49%
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 7, 2026
Details
As Low As
Matadors Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
20045 Prairie St, Chatsworth, CA, 91311
Solar Loans
4.74%
▼
APR4.74%
Last UpdatedMay 7, 2026
Details
As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Title Loans
4.74%
▼
APR4.74%
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
as low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Fire Station Loans
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Computer Loan
5.00%
▼
APR5.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Special Curriculum Loan
5.00%
▼
APR5.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Bank of Guam
Institution Rating:
A5.0 ★Texas Ratio: 10.07%
400 Montgomery St, San Francisco, CA, 94104
Disaster Relief Loan
5.00%
▼
APR5.00%
Last UpdatedMay 7, 2026
Details
Borrow up to $20,000
Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA, 93301 3210
Computer Loan
5.00%
▼
APR5.00%
Last UpdatedMay 7, 2026
Details
$3,000 Max
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
5.24%
▼
APR5.24%
Last UpdatedMay 7, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
▼
APR5.40%
Last UpdatedMay 7, 2026
Details
No additional details available.
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Go Green Loan
5.49%
▼
APR5.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedMay 7, 2026
Details
$50,000; As Low As
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Ministry Church Loan
5.50%
▼
APR5.50%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
5.55%
▼
APR5.55%
Last UpdatedMay 7, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Vacation Loan
5.59%
▼
APR5.59%
Last UpdatedMay 7, 2026
Details
As Low As; 13.99%
Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
Vacation Loans
5.69%
▼
APR5.69%
Last UpdatedMay 7, 2026
Details
As Low As; Competitive Low Rates - Rates start as low as 5.69% APR, giving you more spending power for your trip.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
10 Year Fixed High Balance Rate Loans
5.70%
▼
APR5.70%
Last UpdatedMay 7, 2026
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
10 Year Fixed High Balance Rate Loans
5.73%
▼
APR5.73%
Last UpdatedMay 7, 2026
Details
No additional details available.
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Go Green Loan Solar Battery Storage or Solar + Battery Bundle
5.74%
▼
APR5.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
5.74%
▼
APR5.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
5.85%
▼
APR5.85%
Last UpdatedMay 7, 2026
Details
No additional details available.
USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
Certificate Program Loan
5.90%
▼
APR5.90%
Last UpdatedMay 7, 2026
Details
As Low As
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA, 91007
Technology Loan
5.90%
▼
APR5.90%
Last UpdatedMay 7, 2026
Details
Loan Amount: $5,000 Maximum; 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.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Relocation Loan
5.90%
▼
APR5.90%
Last UpdatedMay 7, 2026
Details
Borrow up to $5,000
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Debt Paydown Loan
5.96%
▼
APR5.96%
Last UpdatedMay 7, 2026
Details
Rates starting at 5.96% APR1
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 7, 2026
Details
As Low As; 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.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
5.99%
▼
APR5.99%
Last UpdatedMay 7, 2026
Details
Approximate Term: Up to 24 months
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
5.99%
▼
APR5.99%
Last UpdatedMay 7, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
VA Loans
6.07%
▼
APR6.07%
Last UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
6.24%
▼
APR6.24%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
6.24%
▼
APR6.24%
Last UpdatedMay 7, 2026
Details
No additional details available.
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.24%
▼
APR6.24%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
6.25%
▼
APR6.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Solar Loans
6.25%
▼
APR6.25%
Last UpdatedMay 7, 2026
Details
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedMay 7, 2026
Details
As Low As
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA, 95008
VA Loans
6.30%
▼
APR6.30%
Last UpdatedMay 7, 2026
Details
As Low As; Primary Residence
Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
As Low As; 15.50%
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
Approximate Term: Up to 60 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 7, 2026
Details
As Low As; Borrow up to $25,000
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 5 year
6.50%
▼
APR6.50%
Last UpdatedMay 7, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 7, 2026
Details
As Low As; For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination 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 and are subject to change without notice.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Vacation Loan
6.59%
▼
APR6.59%
Last UpdatedMay 7, 2026
Details
As Low As; 14.99%
Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.74%
▼
APR6.74%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
6.74%
▼
APR6.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedMay 7, 2026
Details
As low as
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
6.75%
▼
APR6.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Equipment Loans
6.75%
▼
APR6.75%
Last UpdatedMay 7, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 7 year
6.75%
▼
APR6.75%
Last UpdatedMay 7, 2026
Details
As Low As
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.79%
▼
APR6.79%
Last UpdatedMay 7, 2026
Details
Approximate Term: Up to 72 months
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMay 7, 2026
Details
As Low As; Variable
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As; Up to $40,000
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA, 91007
Energy Saver Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
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.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA, 94509 1586
Solar (Solar loans will have a UCC Filing attached to them.)
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
40870 Sierra Dr, Three Rivers, CA, 93271 9696
Tech Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
Approximate Term: Up to 84 months
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 10 year
7.00%
▼
APR7.00%
Last UpdatedMay 7, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedMay 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMay 7, 2026
Details
As Low As; Variable
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMay 7, 2026
Details
As Low As; Variable
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
7.24%
▼
APR7.24%
Last UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2333 Utah Ave, El Segundo, CA, 90245
Land Loans* 10 years
7.25%
▼
APR7.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Church Loans
7.25%
▼
APR7.25%
Last UpdatedMay 7, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMay 7, 2026
Details
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMay 7, 2026
Details
As Low As; Fixed
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
10 Year Equity Loan
7.30%
▼
APR7.30%
Last UpdatedMay 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 7, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 7, 2026
Details
As Low As; Fixed
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedMay 7, 2026
Details
*
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
7.49%
▼
APR7.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 7, 2026
Details
As Low As; 16.99%
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
As Low As; Up to $40,000
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
up to $250,000; As Low As; 10 year fixed
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Unsecured Loans
7.75%
▼
APR7.75%
Last UpdatedMay 7, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
No additional details available.
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
No additional details available.
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
7.94%
▼
APR7.94%
Last UpdatedMay 7, 2026
Details
No additional details available.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Adoption Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
3954 E Main St, Ventura, CA, 93003
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA, 95621 4334
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1221 Nevin Ave, Richmond, CA, 94801 3123
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
(Fixed)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar Energy Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans - 12 Months
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Solar Loans
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
Musical Instruments Loans Tier One - Loans up to $49,000
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
$10,000; As Low As
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Ministry Equipment Loan
8.09%
▼
APR8.09%
Last UpdatedMay 7, 2026
Details
As Low As
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
266 W Main St, Woodland, CA, 95695
Signature Loans
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Go Green Unsecured
8.25%
▼
APR8.25%
Last UpdatedMay 7, 2026
Details
As Low As; $5,000 Minimum; $50,000 Maximum
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
300 N K St, Tulare, CA, 93274 4008
Unsecure Solar Loan
8.25%
▼
APR8.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Special Purpose Loans
8.40%
▼
APR8.40%
Last UpdatedMay 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As
La Loma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
11498 Pierce St Ste D, Riverside, CA, 92505 3308
Cash Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As; 17.99%
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As; 17.45%
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
526 S State St, Ukiah, CA, 95482
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
3820 E Colorado Blvd, Pasadena, CA, 91107 3937
Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
1860 El Camino Real Ste 100, Burlingame, CA, 94010 3106
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
599 N E St, San Bernardino, CA, 92401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
As Low As
North County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
17045 Via Del Campo, San Diego, CA, 92127
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Holiday Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
As Low As
LONG BEACH CITY EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2845 Temple Ave, Signal Hill, CA, 90755 2212
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Signature Loans
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
880 Front St Ste 2295, San Diego, CA, 92101 8895
Personal
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Special Curriculum Loan
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
Variable Rate
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Go Green Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
As Low As; $5,000 Minimum; $50,000 Maximum
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
300 N K St, Tulare, CA, 93274 4008
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
As Low As
Corrections Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
4 miles North of Soledad Hwy 101, Soledad, CA, 93960
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
As Low As
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA, 93711 2778
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As; Financing Available: Up to $25,000
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6735 Forest Lawn Dr, Hollywood, CA, 90068
Union Dues Loans
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
Qualifications Required: direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account; automatic loan payments made from the same account; As Low As; Proof of income may be required depending on the applicant's credit rating and other underwriting factors.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As; Loan Amount $500-$40,000
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
526 S State St, Ukiah, CA, 95482
Personal Loans
8.94%
▼
APR8.94%
Last UpdatedMay 7, 2026
Details
As Low As
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
8815 Folsom Blvd, Sacramento, CA, 95826
Signature
8.95%
▼
APR8.95%
Last UpdatedMay 7, 2026
Details
As Low As
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA, 92821 5819
Personal loans
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As
California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
701 N BRAND BLVD, GLENDALE, CA, 91203 1295
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As; Rates as low as 8.99% APR
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Adoption Loan
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
as low as
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
▼
APR5.40%
Last UpdatedMay 7, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
5.96%
▼
APR5.96%
Last UpdatedMay 7, 2026
Details
As Low As; 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.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 7, 2026
Details
As Low As
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
▼
APR6.53%
Last UpdatedMay 7, 2026
Details
As Low As; For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination 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 and are subject to change without notice.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As; Up to $40,000
Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedMay 7, 2026
Details
*
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
As Low As; Up to $40,000
Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
No additional details available.
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.78%
3954 E Main St, Ventura, CA, 93003
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
7084 Auburn Blvd Ste 100, Citrus Heights, CA, 95621 4334
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans - 12 Months
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
As Low As
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
526 S State St, Ukiah, CA, 95482
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
1860 El Camino Real Ste 100, Burlingame, CA, 94010 3106
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
599 N E St, San Bernardino, CA, 92401
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
As Low As
North County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
17045 Via Del Campo, San Diego, CA, 92127
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
As Low As
LONG BEACH CITY EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2845 Temple Ave, Signal Hill, CA, 90755 2212
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
As Low As
Corrections Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
4 miles North of Soledad Hwy 101, Soledad, CA, 93960
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
As Low As
Noble Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2580 W Shaw Ln, Fresno, CA, 93711 2778
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As; Financing Available: Up to $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As; Loan Amount $500-$40,000
Community First Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.30%
526 S State St, Ukiah, CA, 95482
Personal Loans
8.94%
▼
APR8.94%
Last UpdatedMay 7, 2026
Details
As Low As
Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
135 S State College Blvd Ste 500, Brea, CA, 92821 5819
Personal loans
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As
California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
701 N BRAND BLVD, GLENDALE, CA, 91203 1295
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As; Rates as low as 8.99% APR
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Debt Paydown Loan
5.96%
▼
APR5.96%
Last UpdatedMay 7, 2026
Details
Rates starting at 5.96% APR1
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
9.30%
▼
APR9.30%
Last UpdatedMay 7, 2026
Details
No additional details available.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
10.05%
▼
APR10.05%
Last UpdatedMay 7, 2026
Details
No additional details available.
Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1911 M ST, Merced, CA, 95340 3706
Debt Consolidation Loan
10.29%
▼
APR10.29%
Last UpdatedMay 7, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
11.30%
▼
APR11.30%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Debt Consolidation Loans
11.49%
▼
APR11.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
Signature Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedMay 7, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
Debt Consolidation
12.00%
▼
APR12.00%
Last UpdatedMay 7, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
12.30%
▼
APR12.30%
Last UpdatedMay 7, 2026
Details
No additional details available.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
13.30%
▼
APR13.30%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Signature Loans Certificate Account
4.00%
▼
APR4.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
▼
APR6.49%
Last UpdatedMay 7, 2026
Details
As Low As; 15.50%
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
▼
APR6.74%
Last UpdatedMay 7, 2026
Details
As low as
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
▼
APR7.49%
Last UpdatedMay 7, 2026
Details
As Low As; 16.99%
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
▼
APR7.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 7, 2026
Details
As Low As
Yolo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
266 W Main St, Woodland, CA, 95695
Signature Loans
8.24%
▼
APR8.24%
Last UpdatedMay 7, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
As Low As; 17.99%
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
8.49%
▼
APR8.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Signature Loans
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
TULARE COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
300 N K St, Tulare, CA, 93274 4008
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
As Low As
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 7, 2026
Details
As Low As
California Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
8815 Folsom Blvd, Sacramento, CA, 95826
Signature
8.95%
▼
APR8.95%
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in California currently.
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.
Personal Loan — CA Avg
9.838%
▲ 0.212 vs 7 days ago
California personal loan rates rose 0.212 points over the past 7 days to 9.838% APR.
Signature Loan — CA Avg
10.392%
▼ 0.930 vs 7 days ago
California signature loan rates fell 0.930 points over the past 7 days to 10.392% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in California?
Most lenders in California require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in California often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in California require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in California?
Yes. Debt consolidation is one of the most common uses of personal loans in California. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in California?
Credit unions in California often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in California?
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
- USC Credit Union: 3.99% (GoGreen Loan)
- American United Federal Credit Union: 4.00% (Signature Loans Certificate Account)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Matadors Community Credit Union: 4.74% (Solar Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026.
