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Best Personal Loan Rates in Downey, California (CA) - March 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 24, 2026

Current personal loan options available to borrowers in Downey, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union9125 Imperial Hwy Ste A, Downey, CA, 90242A+5.0 ★Texas Ratio: 5.68% offering Computer Loan at 5.00% APR, California Credit UnionCalifornia Credit Union9300 IMPERIAL HWY, DOWNEY, CA, 90242 2813A+5.0 ★Texas Ratio: 1.98% offering Personal Loan at 8.99% APR, Downey Federal Credit UnionDowney Federal Credit Union8237 3rd St, Downey, CA, 90241 3718C3.8 ★Texas Ratio: 29.42% offering Personal Loan at 9.00% APR, Rancho Federal Credit UnionRancho Federal Credit Union12620 Erickson Ave Ste H, Downey, CA, 90242 4019A+5.0 ★Texas Ratio: 1.83% offering Closed End Personal Signature Loan at 10.99% APR, and Southland Credit UnionSouthland Credit Union8545 Florence Ave, Downey, CA, 90240 4014A5.0 ★Texas Ratio: 7.82% offering Personal Loans Signature Loan at 11.74% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Downey, California can save you significantly over the life of your loan.

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 Downey, California.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Downey, 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: March 24, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
Computer Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
Special Curriculum Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
5.40%
View
▼
APR5.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
6.40%
View
▼
APR6.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
7.40%
View
▼
APR7.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
Special Curriculum Loan
8.75%
View
▼
APR8.75%
Last UpdatedMarch 24, 2026
Details

Variable Rate

California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9300 IMPERIAL HWY, DOWNEY, CA, 90242 2813
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As; - Low monthly payments 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 - Terms up to 120 months

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Closed End Personal Signature Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

Call for details

Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Personal / Signature Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.25%
View
▼
APR11.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
8545 Florence Ave, Downey, CA, 90240 4014
Personal Loans Signature Loan
11.74%
View
▼
APR11.74%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.75%
View
▼
APR11.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Consolidation Loans
12.00%
View
▼
APR12.00%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
12.75%
View
▼
APR12.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.00%
View
▼
APR13.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
11111 Brookshire Ave, Downey, CA, 90241 3817
Personal Loans
13.00%
View
▼
APR13.00%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.50%
View
▼
APR13.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.75%
View
▼
APR13.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
15.25%
View
▼
APR15.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
15.50%
View
▼
APR15.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.25%
View
▼
APR16.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.50%
View
▼
APR16.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
17.25%
View
▼
APR17.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 599 or below

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
17.50%
View
▼
APR17.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 599 or below

Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
24/7 Fast Cash - Anytime Loan
18.00%
View
▼
APR18.00%
Last UpdatedMarch 24, 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%
View
▼
APR3.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR3.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA, 91502 1853
Credit Builder Loan
4.00%
View
▼
APR4.00%
Last UpdatedMarch 24, 2026
Details

As Low As; Maximum term 48 months; Up to $10,000

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
4.24%
View
▼
APR4.24%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR4.49%
Last UpdatedMarch 24, 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%
View
▼
APR4.49%
Last UpdatedMarch 24, 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%
View
▼
APR4.50%
Last UpdatedMarch 24, 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%
View
▼
APR4.64%
Last UpdatedMarch 24, 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%
View
▼
APR4.74%
Last UpdatedMarch 24, 2026
Details

As Low As; Rates as of 03/01/2026 and are subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Other rates and terms available. Sample Payment: $227.98 (based on 144 month term, $25,000, 4.74% APR). Rate reflects a .50% discount for Automatic Payment. Rate buydown fee may apply. Interest will accrue from date of funding. UCC1 lien will be recorded on property. Restrictions may apply. Membership required.

1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Title Loans
4.74%
View
▼
APR4.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
4.74%
View
▼
APR4.74%
Last UpdatedMarch 24, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Loan
4.75%
View
▼
APR4.75%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedMarch 24, 2026
Details

As Low As

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
4.85%
View
▼
APR4.85%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 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 Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 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%
View
▼
APR4.99%
Last UpdatedMarch 24, 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 Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 7,500 - 5 Years
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 5,000 - 4 Years
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2847 Campus Pkwy, Riverside, CA, 92507 0906
Credit Builder Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 24, 2026
Details

Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan

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%
View
▼
APR5.00%
Last UpdatedMarch 24, 2026
Details

$3,000 Max

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Youth Agricultural Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 10,000 - 6 Years
5.19%
View
▼
APR5.19%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 10,000 - 6 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 5,000 - 4 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 7,500 - 5 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 24, 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 Saving Loan
5.24%
View
▼
APR5.24%
Last UpdatedMarch 24, 2026
Details

As Low As; Maximum Loan Amount $125,000

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
GoGreen Loan
5.25%
View
▼
APR5.25%
Last UpdatedMarch 24, 2026
Details

As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Medical Residency Refinance Loan - Fixed
5.45%
View
▼
APR5.45%
Last UpdatedMarch 24, 2026
Details

As Low As; 9.99%

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
5.46%
View
▼
APR5.46%
Last UpdatedMarch 24, 2026
Details

As Low As

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Go Green Loan
5.49%
View
▼
APR5.49%
Last UpdatedMarch 24, 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%
View
▼
APR5.49%
Last UpdatedMarch 24, 2026
Details

$50,000; As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Medical Residency Refinance Loan - Variable
5.51%
View
▼
APR5.51%
Last UpdatedMarch 24, 2026
Details

As Low As; 10.31%APR

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Variable Rate Loan
5.51%
View
▼
APR5.51%
Last UpdatedMarch 24, 2026
Details

Your interest rate and monthly payments can fluctuate during the repayment period.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 20,000 - 7 Years
5.59%
View
▼
APR5.59%
Last UpdatedMarch 24, 2026
Details

As Low As

Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
640 E Main St, Vacaville, CA, 95688 3933
TPMG Loan
5.69%
View
▼
APR5.69%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
5.69%
View
▼
APR5.69%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
HOLIDAY/VACATION LOAN - Max.
5.69%
View
▼
APR5.69%
Last UpdatedMarch 24, 2026
Details

$2,500; As Low As

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%
View
▼
APR5.69%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR5.74%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
VA Loan
5.81%
View
▼
APR5.81%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 20,000 - 7 Years
5.84%
View
▼
APR5.84%
Last UpdatedMarch 24, 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%
View
▼
APR5.90%
Last UpdatedMarch 24, 2026
Details

Loan rate of 5.90% APR - 10.90% APR* (Rates subject to change). Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. 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%
View
▼
APR5.90%
Last UpdatedMarch 24, 2026
Details

Borrow up to $5,000

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%
View
▼
APR5.90%
Last UpdatedMarch 24, 2026
Details

As Low As

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
VA Refi Loan
5.94%
View
▼
APR5.94%
Last UpdatedMarch 24, 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
VA Loans
5.94%
View
▼
APR5.94%
Last UpdatedMarch 24, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
5.99%
View
▼
APR5.99%
Last UpdatedMarch 24, 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
5.99%
View
▼
APR5.99%
Last UpdatedMarch 24, 2026
Details

Approximate Term: Up to 24 months

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 Saving Loan
6.24%
View
▼
APR6.24%
Last UpdatedMarch 24, 2026
Details

As Low As; Maximum Loan Amount $125,000

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%
View
▼
APR6.24%
Last UpdatedMarch 24, 2026
Details

As Low As

SONOMA
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
1194 Montgomery Dr, Santa Rosa, CA, 95405 4802
Disaster Preparedness Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 24, 2026
Details

Require checking with Direct Deposit

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%
View
▼
APR6.25%
Last UpdatedMarch 24, 2026
Details

As Low As

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
FHA Loan
6.41%
View
▼
APR6.41%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA, 95008
VA Loans
6.43%
View
▼
APR6.43%
Last UpdatedMarch 24, 2026
Details

30-Year Rates As Low As; Primary Residence

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
6.49%
View
▼
APR6.49%
Last UpdatedMarch 24, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 24, 2026
Details

No additional details available.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 24, 2026
Details

Approximate Term: Up to 60 months

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%
View
▼
APR6.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
6.49%
View
▼
APR6.49%
Last UpdatedMarch 24, 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 5 year
6.50%
View
▼
APR6.50%
Last UpdatedMarch 24, 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%
View
▼
APR6.53%
Last UpdatedMarch 24, 2026
Details

As Low As

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
6.69%
View
▼
APR6.69%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
6.74%
View
▼
APR6.74%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR6.74%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR6.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Equipment Loans
6.75%
View
▼
APR6.75%
Last UpdatedMarch 24, 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%
View
▼
APR6.75%
Last UpdatedMarch 24, 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%
View
▼
APR6.79%
Last UpdatedMarch 24, 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%
View
▼
APR6.82%
Last UpdatedMarch 24, 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
6.84%
View
▼
APR6.84%
Last UpdatedMarch 24, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Loan
6.87%
View
▼
APR6.87%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA, 91502 1853
Tax Time Personal Loan
6.90%
View
▼
APR6.90%
Last UpdatedMarch 24, 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
Energy Efficient Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to $40,000

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Unsecured Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 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
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 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
Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 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%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

Approximate Term: Up to 84 months

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA, 94509 1586
Alternative Energy Loans Solar (Solar loans will have a UCC Filing attached to them.)
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1440 Rosecrans Ave, Manhattan Beach, CA, 90266
Equity Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

Up to $50,000

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA, 91007
Energy Saver Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 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.

Beverly Hills City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
9298 W 3RD ST, BEVERLY HILLS, CA, 90210
Holiday Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

Wrap up your holiday shopping early with a $2000 loan New loans (No refinancing) Rate base on automatic payments No current delinquencies, charge off or collections Offer valid from November - February

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2222 W Shaw Ave, Fresno, CA, 93711 3419
Technology Loan to $7,500
7.00%
View
▼
APR7.00%
Last UpdatedMarch 24, 2026
Details

$500

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%
View
▼
APR7.00%
Last UpdatedMarch 24, 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%
View
▼
APR7.00%
Last UpdatedMarch 24, 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%
View
▼
APR7.01%
Last UpdatedMarch 24, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN - Max.
7.05%
View
▼
APR7.05%
Last UpdatedMarch 24, 2026
Details

$100,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
Title/Collateral Loans
7.05%
View
▼
APR7.05%
Last UpdatedMarch 24, 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- 30/5YR Balloon Variable
7.05%
View
▼
APR7.05%
Last UpdatedMarch 24, 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
7.09%
View
▼
APR7.09%
Last UpdatedMarch 24, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN
7.18%
View
▼
APR7.18%
Last UpdatedMarch 24, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 24, 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 Saving Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 24, 2026
Details

As Low As; Maximum Loan Amount $125,000

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 6 Years
7.24%
View
▼
APR7.24%
Last UpdatedMarch 24, 2026
Details

$10,000; 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%
View
▼
APR7.25%
Last UpdatedMarch 24, 2026
Details

over $250,000; As Low As; 5 year adjustable - starting at

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2333 Utah Ave, El Segundo, CA, 90245
Land Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 24, 2026
Details

No additional details available.

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%
View
▼
APR7.28%
Last UpdatedMarch 24, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN
7.28%
View
▼
APR7.28%
Last UpdatedMarch 24, 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
10 Year Equity Loan
7.30%
View
▼
APR7.30%
Last UpdatedMarch 24, 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%
View
▼
APR7.48%
Last UpdatedMarch 24, 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- 30/5YR Balloon Fixed
7.48%
View
▼
APR7.48%
Last UpdatedMarch 24, 2026
Details

As Low As

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Sustainable Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

As Low As

MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9420 Farnham St, San Diego, CA, 92123
Green Living Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

Up to $50,000

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Personal Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 7 Years
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

$20,000; As Low As

Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA, 93728 1219
Energy Efficient Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

$500 - $2,000

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Energy Efficient Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to $40,000

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2222 W Shaw Ave, Fresno, CA, 93711 3419
E-Z Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

$100 - $20,000

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2222 W Shaw Ave, Fresno, CA, 93711 3419
ECOlogical Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

$100 - $60,000

Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2222 W Shaw Ave, Fresno, CA, 93711 3419
Educator Credential Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

$2,500-$15,000

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

up to $250,000; As Low As; 10 year fixed

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
Land Loan
7.60%
View
▼
APR7.60%
Last UpdatedMarch 24, 2026
Details

No additional details available.

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 6 Years
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

$10,000; As Low As

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%
View
▼
APR7.74%
Last UpdatedMarch 24, 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
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Unsecured Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 24, 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
7.75%
View
▼
APR7.75%
Last UpdatedMarch 24, 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%
View
▼
APR7.90%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 24, 2026
Details

No additional details available.

San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Energy Efficiency Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 24, 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 Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 24, 2026
Details

As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8985 Balboa Ave, San Diego, CA, 92123
Holiday Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Sustainable Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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
Solar & Energy Saving Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Maximum Loan Amount $125,000

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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
Debt Consolidation
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA, 95242 4130
Signature Loan -Fixed Term
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

Contact Credit Union for qualifying terms and individual rates

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

Up to $50,000

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
5.40%
View
▼
APR5.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
6.40%
View
▼
APR6.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
STRS/PERS Retirement Credit Personal Loan
7.40%
View
▼
APR7.40%
Last UpdatedMarch 24, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
9125 Imperial Hwy Ste A, Downey, CA, 90242
Personal Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
9300 IMPERIAL HWY, DOWNEY, CA, 90242 2813
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As; - Low monthly payments 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 - Terms up to 120 months

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loans
9.00%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.25%
View
▼
APR9.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
9.75%
View
▼
APR9.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO ?720

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
10.75%
View
▼
APR10.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.25%
View
▼
APR11.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.50%
View
▼
APR11.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
8545 Florence Ave, Downey, CA, 90240 4014
Personal Loans Signature Loan
11.74%
View
▼
APR11.74%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
11.75%
View
▼
APR11.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 680-719

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
12.75%
View
▼
APR12.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.00%
View
▼
APR13.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

CalCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
11111 Brookshire Ave, Downey, CA, 90241 3817
Personal Loans
13.00%
View
▼
APR13.00%
Last UpdatedMarch 24, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.50%
View
▼
APR13.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
13.75%
View
▼
APR13.75%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
14.00%
View
▼
APR14.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 640-679

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
15.25%
View
▼
APR15.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
15.50%
View
▼
APR15.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.00%
View
▼
APR16.00%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.25%
View
▼
APR16.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
16.50%
View
▼
APR16.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 600-639

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
17.25%
View
▼
APR17.25%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 599 or below

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Personal Loan
17.50%
View
▼
APR17.50%
Last UpdatedMarch 24, 2026
Details

up to $25,000; FICO 599 or below

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
4.24%
View
▼
APR4.24%
Last UpdatedMarch 24, 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 Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 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%
View
▼
APR4.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
5.99%
View
▼
APR5.99%
Last UpdatedMarch 24, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
6.49%
View
▼
APR6.49%
Last UpdatedMarch 24, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
View
▼
APR6.53%
Last UpdatedMarch 24, 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
6.84%
View
▼
APR6.84%
Last UpdatedMarch 24, 2026
Details

As Low As

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA, 91502 1853
Tax Time Personal Loan
6.90%
View
▼
APR6.90%
Last UpdatedMarch 24, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Personal Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.09%
View
▼
APR7.09%
Last UpdatedMarch 24, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 24, 2026
Details

As Low As

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Personal Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 24, 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
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR7.90%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 24, 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 Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 24, 2026
Details

As Low As

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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%
View
▼
APR7.99%
Last UpdatedMarch 24, 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
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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
Debt Consolidation Loans
4.99%
View
▼
APR4.99%
Last UpdatedMarch 24, 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
Debt Consolidation
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 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%
View
▼
APR8.49%
Last UpdatedMarch 24, 2026
Details

No additional details available.

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
8.70%
View
▼
APR8.70%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
8.80%
View
▼
APR8.80%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
8.85%
View
▼
APR8.85%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
8.95%
View
▼
APR8.95%
Last UpdatedMarch 24, 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
9.30%
View
▼
APR9.30%
Last UpdatedMarch 24, 2026
Details

No additional details available.

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
9.34%
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▼
APR9.34%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
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▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Debt Cancellation Loan
9.99%
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▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

As Low As; APR* as low as 9.99% - 17.49%

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 36 Months
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
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▼
APR10.05%
Last UpdatedMarch 24, 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%
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▼
APR10.29%
Last UpdatedMarch 24, 2026
Details

As Low As

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 48 Months
10.49%
View
▼
APR10.49%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 60 Months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 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
11.30%
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▼
APR11.30%
Last UpdatedMarch 24, 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%
View
▼
APR11.49%
Last UpdatedMarch 24, 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%
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▼
APR11.99%
Last UpdatedMarch 24, 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%
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▼
APR12.00%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
12.30%
View
▼
APR12.30%
Last UpdatedMarch 24, 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%
View
▼
APR12.30%
Last UpdatedMarch 24, 2026
Details

No additional details available.

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.35%
View
▼
APR12.35%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
12.40%
View
▼
APR12.40%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
12.45%
View
▼
APR12.45%
Last UpdatedMarch 24, 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
13.30%
View
▼
APR13.30%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
13304 Alondra Blvd, Cerritos, CA, 90703
Special Debt Consolidation
13.49%
View
▼
APR13.49%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA, 92335
Debt Consolidation
13.99%
View
▼
APR13.99%
Last UpdatedMarch 24, 2026
Details

As Low As; $30,000 maximum - consolidate your high rate loans

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
14.45%
View
▼
APR14.45%
Last UpdatedMarch 24, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedMarch 24, 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%
View
▼
APR14.49%
Last UpdatedMarch 24, 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
Debt Consolidation Loans
16.44%
View
▼
APR16.44%
Last UpdatedMarch 24, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Closed End Personal Signature Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

Call for details

Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Personal / Signature Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
8545 Florence Ave, Downey, CA, 90240 4014
Personal Loans Signature Loan
11.74%
View
▼
APR11.74%
Last UpdatedMarch 24, 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%
View
▼
APR6.74%
Last UpdatedMarch 24, 2026
Details

As Low As

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 24, 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
7.74%
View
▼
APR7.74%
Last UpdatedMarch 24, 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
7.75%
View
▼
APR7.75%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA, 95242 4130
Signature Loan -Fixed Term
7.99%
View
▼
APR7.99%
Last UpdatedMarch 24, 2026
Details

Contact Credit Union for qualifying terms and individual rates

No home improvement personal loan rates found in Downey, CA currently.

Frequently Asked Questions

What credit score do I need for a personal loan in California?

Most lenders in Downey, 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 Downey, 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 Downey, 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 Downey, California?

Credit unions in Downey, 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 Downey, California?

  • SchoolsFirst Federal Credit Union: 5.00% (Computer Loan)
  • California Credit Union: 8.99% (Personal Loan)
  • Downey Federal Credit Union: 9.00% (Personal Loan)
  • Rancho Federal Credit Union: 10.99% (Closed End Personal Signature Loan)
  • Southland Credit Union: 11.74% (Personal Loans Signature Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Downey, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026.

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