Best Personal Loan Rates in El Monte, California (CA) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in El Monte, California include: Los Angeles Federal Credit UnionLos Angeles Federal Credit Union9204 Flair Dr, El Monte, CA, 91731 2834A+5.0 ★Texas Ratio: 3.94% offering 2nd Trust Deed Fixed Loan Programs 5 year at 6.50% APR, Certified Federal Credit UnionCertified Federal Credit Union4455 Arden Dr, El Monte, CA, 91731A+5.0 ★Texas Ratio: 1.58% offering Solar Loan at 8.75% APR, Credit Union of Southern California Credit UnionCredit Union of Southern California Credit Union10761 Valley Blvd Unit C, El Monte, CA, 91731A+5.0 ★Texas Ratio: 2.57% offering Signature loan at 11.49% APR, El Monte Community Credit UnionEl Monte Community Credit Union11718 Ramona Blvd, El Monte, CA, 91732A+5.0 ★Texas Ratio: 0.89% offering Personal Loans at 13.49% APR, and KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
El Monte has 4 local institutions in our database, with personal loan rates as low as 6.50% APR from Los Angeles Federal Credit Union at 9204 Flair Dr, El Monte, CA, 91731 2834. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in El Monte, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in El Monte, 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: April 5, 2026
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FICO Score 720+
680-719
680-719
620-679
600-619
600-619
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620-679
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600-619
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variable
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Low-cost processing fee of $45
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As Low As; Maximum term 48 months; Up to $10,000
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As Low As; Rate reflects a .50% discount for Automatic Payment.
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; $3,000.00
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Fixed
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As Low As; Maximum Loan Amount: $125,000
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Fixed rates
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As Low As; (Fixed); Must use a State-Approved Contractor
$50,000; As Low As
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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$2,500; As Low As
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Loan Amount: $5,000 Maximum; Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
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Borrow up to $5,000
No additional details available.
$5,000 for Individuals / $10,000 for Churches
Approximate Term: Up to 24 months
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
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As Low As; 5-Year fixed rate
No additional details available.
30-Year Rates As Low As; Primary Residence
No additional details available.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; (Fixed)
Approximate Term: Up to 60 months
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As Low As; Rates as low as 5.625% (6.508% APR)
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Approximate Term: Up to 72 months
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Up to $50,000
New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
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Approximate Term: Up to 84 months
No additional details available.
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.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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$100,000; As Low As
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As Low As; Maximum Loan Amount: $125,000
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$10,000; As Low As
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over $250,000; As Low As; 5 year adjustable - starting at
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Up to $50,000
$20,000; As Low As
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$500 - $2,000
up to $250,000; As Low As; 10 year fixed
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$10,000; As Low As
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Payable directly to the IRS
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(Fixed)
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Up to $50,000
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As Low As; up to 60 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; $30,000 maximum - consolidate your high rate loans
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variable
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El Monte, CA Personal Loan Rate Trends
Compare local El Monte, CA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California personal loan rates fell 0.463 points over the past 7 days to 10.348% APR.
California signature loan rates rose 0.022 points over the past 7 days to 11.481% APR.
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 El Monte, California?
What are the best personal loan rates in El Monte, California?
- Los Angeles Federal Credit Union: 6.50% (2nd Trust Deed Fixed Loan Programs 5 year)
- Certified Federal Credit Union: 8.75% (Solar Loan)
- Credit Union of Southern California Credit Union: 11.49% (Signature loan)
- El Monte Community Credit Union: 13.49% (Personal Loans)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
