California Best Personal Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in California include: La Loma Federal Credit UnionLa Loma Federal Credit Union11498 Pierce St Ste D, Riverside, CA, 92505 3308A+5.0 ★Texas Ratio: 0.67% offering Quick Cash Signature Loan at 5.00% APR, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union2115 N Broadway, Santa Ana, CA, 92706A+5.0 ★Texas Ratio: 5.36% offering STRS/PERS Retirement Credit Personal Loan at 5.40% APR, San Joaquin Power Employees Credit UnionSan Joaquin Power Employees Credit Union1080 W SHAW AVE STE 109, FRESNO, CA, 93711A+5.0 ★Texas Ratio: 0.19% offering Signature Loans at 5.95% APR, Eagle Community Credit UnionEagle Community Credit Union12934 Harbor Blvd, Garden Grove, CA, 92840 5809A+5.0 ★Texas Ratio: 3.38% offering Personal Loan at 5.99% APR, and Modestos First Federal Credit UnionModestos First Federal Credit Union430 12th St, Modesto, CA, 95354 2423A5.0 ★Texas Ratio: 6.90% offering Unsecured/Personal Loans at 6.75% APR. Personal loan rates as of August 28, 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 5.00% APR from La Loma Federal Credit Union at 11498 Pierce St Ste D, Riverside, CA, 92505 3308. 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: August 28, 2026
California Personal Loan Rates
Maximum Amount 100% of regular shares. Est. Payment/$1,000 borrowed $18.87 based on 60mo term. FAIR Lending Program: The rate you pay will be based on the number of years your loan is financed plus your credit history.
6.40% APR; 7.40% APR
No additional details available.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We calculate the interest you pay on loans based on your unpaid principal balance for the actual number of days you use the funds. There are no prepayment penalties or hidden charges. Your interest rate will be determined by your individual credit history and the credit union's underwriting standards. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
No additional details available.
No additional details available.
As Low As; Loan Amount: Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
No additional details available.
Additional 0.25% APR discount for established direct deposit in to a DFCU checking account and 0.25% APR rate discount for member having a DFCU Shield Elite Checking account.
As Low As; Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account.
All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.
As Low As
Personal Loan
As Low As; Loan Amount: Up to $40,000
No additional details available.
31% Lower than the national average
No additional details available.
No additional details available.
Fixed
Contact Credit Union for qualifying terms and individual rates
No additional details available.
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed
As Low As; Last Updated: 01/01/2026
No additional details available.
No additional details available.
As Low As; Limited Time Offer
As Low As
APR as low as: from 18.39% To
No additional details available.
No additional details available.
As Low As; Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As; 1
As Low As; 0.25% discount for direct deposit. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
No additional details available.
As low as; 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; $500 to $50,000
As Low As
As Low As; 1
No additional details available.
APR* To: 18.00%
As Low As; 1
As Low As; 1
Loan Amount: $500-$40,000
As Low As; Financing Available: Up to $25,000
No additional details available.
Rates As Low As*
As Low As
As Low As; 1
No additional details available.
No additional details available.
As low as
As low as
As Low As; FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
As Low As; Up to $25,000
As Low As
No additional details available.
No additional details available.
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Personal loan may not be used to refinance an existing PSCU loan.
As Low As; $5,000 to $50,000
No additional details available.
As low as with Rewards
Maximum APR: 14.00%
Rates are subject to change at any time and are not guaranteed. Loan approval is subject to credit and income evaluation. Rates may vary based on individual's credit history and underwriting factors. Not all borrowers will qualify. Rates include a 0.50% discount for automatic payment.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
APR* To: 18.00%
No additional details available.
As Low As; 1
Loan Maximum: $50,000**
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
As Low As; Financing Available: Up to $25,000
As Low As; 9.90% / 9.40%**
No additional details available.
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
No additional details available.
No additional details available.
Maximum amount $40,000. Rate shown includes 0.50% APR loan rate discount for automatic payment. Loan rate discount of 0.50% APR is valid for new Signature Loans only with automatic payment from a WPCCU account. Only one discount per loan allowed. Discount may end at any time. Actual rates may vary based on member's credit score and ability to pay. All loans are subject to credit approval. Restrictions apply. Contact WPCCU for details.
Maximum Amount: Up to $20,000
As Low As; *
No additional details available.
No additional details available.
No additional details available.
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
Qualifications Required: 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month); 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Max discount rate is 0.75.; Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply.
No additional details available.
17.99%; Minimum Loan Amount of $500. $50 Minimum Payment. $30,000 maximum.
As Low As; 10.99%
My Rate
As Low As; $10,000 to $50,000
As Low As; *
APR* To: 18.00%
Loan Maximum: $50,000**
FICO 680 to 719
As Low As; Financing Available: Up to $25,000
No additional details available.
As Low As
$10,000
Max. Amt.: $30,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
APR up to 17.99%
up to $10,000
As Low As; Existing Mission City FCU loans not eligible
As Low As; No collateral required
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.
APR **
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
Maximum Financing: $300 Minimum up to $25,000 Maximum
As low as
As Low As; 9.00%
As Low As
As Low As; *
As Low As; Max. Amount Up To $15,000
3
on approved credit
Annual Percentage Rate (Highest): 15.50%
No additional details available.
No additional details available.
No additional details available.
$10,000
California Personal Loan Rates
6.40% APR; 7.40% APR
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We calculate the interest you pay on loans based on your unpaid principal balance for the actual number of days you use the funds. There are no prepayment penalties or hidden charges. Your interest rate will be determined by your individual credit history and the credit union's underwriting standards. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
As Low As; Loan Amount: Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Additional 0.25% APR discount for established direct deposit in to a DFCU checking account and 0.25% APR rate discount for member having a DFCU Shield Elite Checking account.
As Low As; Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account.
All loan rates will be personalized for YOU based on your credit score and debt to income ratio and additional discounts may be available. Visit our rates page for full details.
As Low As
Personal Loan
As Low As; Loan Amount: Up to $40,000
31% Lower than the national average
No additional details available.
No additional details available.
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed
No additional details available.
As Low As; Limited Time Offer
APR as low as: from 18.39% To
No additional details available.
As Low As; Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account.
No additional details available.
As Low As
As Low As; 1
As Low As; 0.25% discount for direct deposit. Rates depend on the borrower's credit profile and are not guarantees of loan type or amount. Subject to approved credit. This information is for reference only.
As low as; 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; $500 to $50,000
As Low As
As Low As; 1
As Low As; 1
As Low As; 1
Loan Amount: $500-$40,000
As Low As; Financing Available: Up to $25,000
No additional details available.
As Low As
As Low As; 1
No additional details available.
As low as
As Low As; FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
As Low As; Up to $25,000
As Low As
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Personal loan may not be used to refinance an existing PSCU loan.
As Low As; $5,000 to $50,000
As low as with Rewards
No additional details available.
As Low As
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
As Low As; 1
Loan Maximum: $50,000**
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
As Low As; Financing Available: Up to $25,000
As Low As; 9.90% / 9.40%**
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: Up to $20,000
As Low As; *
APR= Annual Percentage Rate based on creditworthiness. Rates are fixed for the term of the loan. Maximum aggregate unsecured credit limit is $25,000 per member.
Qualifications Required: 0.50% for auto or personal loans if member adds a new direct deposit (minimum of $1,000/month); 0.25% for auto or personal loans if member sets up auto pay on the new loan at the time of funding. Max discount rate is 0.75.; Rate range from as low as 10.75% APR up to 17.75% APR maximum (excludes discounts). All loans subject to credit approval. Rate and term determined based on creditworthiness. The rate will not increase while the loan is standing. Cannot be combined with any other offer. Credit Union membership required with a minimum deposit of $5.00. Some restrictions apply.
No additional details available.
17.99%; Minimum Loan Amount of $500. $50 Minimum Payment. $30,000 maximum.
As Low As; 10.99%
As Low As; $10,000 to $50,000
As Low As; *
Loan Maximum: $50,000**
FICO 680 to 719
As Low As; Financing Available: Up to $25,000
No additional details available.
As Low As
$10,000
Max. Amt.: $30,000
Includes a 0.5% discount for enrolling in automatic payments. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are a Citi banking Relationship Tier customer at the time of application, you may be eligible for an APR discount. If multiple relationship-based discounts are available, whether based on a Citi banking Relationship Tier or a qualifying credit card relationship, only the highest discount will apply. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
APR up to 17.99%
No additional details available.
No additional details available.
No additional details available.
As low as
Maximum Financing: $300 Minimum up to $25,000 Maximum
As Low As; 9.00%
As Low As; *
$10,000
California Debt Consolidation Loan Rates
As Low As; Last Updated: 01/01/2026
No additional details available.
As low as
No additional details available.
As Low As; Existing Mission City FCU loans not eligible
No additional details available.
No additional details available.
No additional details available.
Debt Consolidation Loan ($500 - $50,000)
No additional details available.
No additional details available.
No additional details available.
As Low As; Last Updated: 01/01/2026
As Low As; Last Updated: 01/01/2026
As Low As; Last Updated: 01/01/2026
As Low As; Last Updated: 01/01/2026
As low as; (based on term)
No additional details available.
**
As Low As; $30,000 maximum - consolidate your high rate loans
As Low As; Last Updated: 01/01/2026
As Low As; Last Updated: 01/01/2026
California Signature Loan Rates
Maximum Amount 100% of regular shares. Est. Payment/$1,000 borrowed $18.87 based on 60mo term. FAIR Lending Program: The rate you pay will be based on the number of years your loan is financed plus your credit history.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Contact Credit Union for qualifying terms and individual rates
No additional details available.
No additional details available.
As Low As
APR as low as: from 18.39% To
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
APR* To: 18.00%
Rates As Low As*
No additional details available.
As low as
No additional details available.
No additional details available.
Maximum APR: 14.00%
Rates are subject to change at any time and are not guaranteed. Loan approval is subject to credit and income evaluation. Rates may vary based on individual's credit history and underwriting factors. Not all borrowers will qualify. Rates include a 0.50% discount for automatic payment.
No additional details available.
No additional details available.
APR* To: 18.00%
No additional details available.
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
Maximum amount $40,000. Rate shown includes 0.50% APR loan rate discount for automatic payment. Loan rate discount of 0.50% APR is valid for new Signature Loans only with automatic payment from a WPCCU account. Only one discount per loan allowed. Discount may end at any time. Actual rates may vary based on member's credit score and ability to pay. All loans are subject to credit approval. Restrictions apply. Contact WPCCU for details.
No additional details available.
APR* To: 18.00%
up to $10,000
As Low As; No collateral required
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR **
No additional details available.
No additional details available.
No additional details available.
As Low As
Maximum Financing: $300 Minimum up to $25,000 Maximum
As low as
As Low As; Max. Amount Up To $15,000
3
on approved credit
No additional details available.
No additional details available.
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 0.952 points over the past 7 days to 10.921% APR.
California signature loan rates fell 0.715 points over the past 7 days to 10.952% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current Nat'l average personal loan APR of 10.92%, across the terms lenders serving California most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.86/mo | $163.51/mo | $129.04/mo | $108.52/mo |
| $10,000 | $465.71/mo | $327.01/mo | $258.07/mo | $217.03/mo |
| $15,000 | $698.57/mo | $490.52/mo | $387.11/mo | $325.55/mo |
| $25,000 | $1,164.28/mo | $817.54/mo | $645.18/mo | $542.58/mo |
| $35,000 | $1,629.99/mo | $1,144.55/mo | $903.25/mo | $759.61/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in California
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the Nat'l personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — Nat'l average | 10.92% | $387.11 | $3,581 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,569 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,103 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,695 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our California Personal Loan Rate Database
Our California tables currently track 87 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our California database right now is 5.00% APR from La Loma Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in California
Prequalify With a Soft Credit Check
Most lenders serving California will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our California data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured California auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a California high-yield savings account costs nothing and earns interest instead of paying it
California Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $387 monthly loan payment is roughly 9.5% of the median individual income in California. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in California.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current Nat'l average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
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 is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in California?
- La Loma Federal Credit Union: 5.00% (Quick Cash Signature Loan)
- SchoolsFirst Federal Credit Union: 5.40% (STRS/PERS Retirement Credit Personal Loan)
- San Joaquin Power Employees Credit Union: 5.95% (Signature Loans)
- Eagle Community Credit Union: 5.99% (Personal Loan)
- Modestos First Federal Credit Union: 6.75% (Unsecured/Personal Loans)
