Best Personal Loan Rates in El Monte, California - July 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: Credit Union of Southern CaliforniaCredit Union of Southern California10761 Valley Blvd Unit C, El Monte, CA, 91731A+5.0 ★Texas Ratio: 2.43% offering Credit Builder loan at 5.00% APR, Los Angeles Federal Credit UnionLos Angeles Federal Credit Union9204 Flair Dr, El Monte, CA, 91731 2834A+5.0 ★Texas Ratio: 3.58% offering 5 year Loan at 6.50% APR, El Monte Community Credit UnionEl Monte Community Credit Union11718 Ramona Blvd, El Monte, CA, 91732A+5.0 ★Texas Ratio: 0.87% offering Personal Loans at 13.49% APR, SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit UnionA+5.0 ★Texas Ratio: 2.95% offering 2025 & Newer Model Years Loan at 3.99% APR, and Skyone Federal Credit UnionSkyone Federal Credit UnionA5.0 ★Texas Ratio: 9.93% offering Paycheck Perks Loan at 4.00% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
El Monte has 3 local institutions in our database, with personal loan rates as low as 5.00% APR from Credit Union of Southern California at 10761 Valley Blvd Unit C, El Monte, CA, 91731. 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: July 11, 2026
El Monte Personal Loan Rates
Up to 100% of the available certificate balance
As Low As
As Low As
As Low As
Max APR: 11.24%
variable
Maximum loan amount: $30,000
Maximum loan amount: $30,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
variable
Maximum loan amount: $30,000
As Low As
Financing LTV based upon creditworthiness: 120%
Intro Rate
No additional details available.
Financing LTV based upon creditworthiness: 120%
$500 - $1,500
No payments for up to 90 days
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
As Low As*
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
100% Financing APR; Fixed
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
Regular APR: 15.49%
Regular APR: 13.99%
$3,000 Max
No additional details available.
No additional details available.
No additional details available.
Model Year: 2011 to 2015
Model Year: 2016 to 2019
No additional details available.
Financing LTV based upon creditworthiness: 120%
No additional details available.
Model Year: 2020 to 2024
No additional details available.
Model Year: 2025 to 2027
6.40% APR; 7.40% APR
Model Year: 2025 to 2027
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
$50,000; As Low As
Intro APR
No additional details available.
Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
No additional details available.
100% Financing APR; Fixed
No additional details available.
No additional details available.
As Low As
Max. $2,500
As Low As; Borrow up to $2,500 with repayment terms up to 12 months.
No additional details available.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 120%
No additional details available.
No additional details available.
Borrow up to $5,000
Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Financing LTV based upon creditworthiness: 120%
Financing LTV based upon creditworthiness: 100%
No additional details available.
No additional details available.
No additional details available.
Model Year: 2025 to 2027
No additional details available.
100% MSRP/Appraisal Value
As Low As; Subject to credit approval. Some restrictions may apply.
Financing LTV based upon creditworthiness: 120%
Over $30,000.00; Over $30,000.00
Financing LTV based upon creditworthiness: 100%
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As
Financing LTV based upon creditworthiness: 100%
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
No additional details available.
Variable Rate
No additional details available.
No additional details available.
As low as
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Rates as low as 6.95% APR*
As Low As; Interest Rate: 6.5%
As Low As
Financing LTV based upon creditworthiness: 100%
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Up to $40,000
No additional details available.
As Low As; Technology Loan Rates
No additional details available.
Signature APR
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Max. $100,000
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Max. $100,000
Financing LTV based upon creditworthiness: 100%
As Low As
As Low As
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Max. $100,000
As Low As; Rates As Low As
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 100%
No additional details available.
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
As Low As; Up to $40,000
As low as
As Low As
No additional details available.
No additional details available.
Requires automatic payment. On approved credit. Subject to Foothill's lending guidelines & procedures. Rates subject to change without notice. Must be a Foothill member and meet membership qualifications. A Living Trust must be established with Affinity Trust to get this loan.
No additional details available.
Model Year: New (2018 and newer)
No additional details available.
As Low As; Maximum Amount: $20,000
Fixed
As Low As; *
As Low As; 1
Loan Amount: $500+
No additional details available.
As Low As; Click Here
APR up to 7.99%
No additional details available.
No additional details available.
El Monte Personal Loan Rates
As Low As
6.40% APR; 7.40% APR
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Loan Amount: $500 - $25,000
Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Up to $40,000
As Low As
As Low As; Up to $40,000
As Low As
No additional details available.
Loan Amount: $500+
As Low As; Click Here
El Monte Debt Consolidation Loan Rates
No additional details available.
As Low As; 1
No additional details available.
No additional details available.
Loan Maximum: $50,000
No additional details available.
No additional details available.
As Low As; 1
No additional details available.
As Low As; 1
As Low As; 1
As Low As; 1
As low as (based on term)
No additional details available.
As Low As; **
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. Rates may be adjusted based on Transunion Vantage Score.
As Low As; 1
No additional details available.
As Low As; 1
El Monte Signature Loan Rates
Maximum loan amount: $30,000
Maximum loan amount: $30,000
No additional details available.
variable
Maximum loan amount: $30,000
As Low As
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
Signature APR
No additional details available.
As low as
No additional details available.
No additional details available.
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 0.089 points over the past 7 days to 10.053% APR.
California signature loan rates rose 0.180 points over the past 7 days to 11.587% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our El Monte, 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 El Monte, 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 El Monte, 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 El Monte, California?
What are the best personal loan rates in El Monte, California?
- Credit Union of Southern California: 5.00% (Credit Builder loan)
- Los Angeles Federal Credit Union: 6.50% (5 year Loan)
- El Monte Community Credit Union: 13.49% (Personal Loans)
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
- Skyone Federal Credit Union: 4.00% (Paycheck Perks Loan)
Personal Loan Calculators
