Best Personal Loan Rates in Los Angeles, California - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Los Angeles, California include: SAG AFTRA Federal Credit UnionSAG AFTRA Federal Credit Union5757 Wilshire Blvd Ste 124, Los Angeles, CA, 90036 3792A+5.0 ★Texas Ratio: 2.95% offering 2025 & Newer Model Years Loan at 3.99% APR, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684B+4.8 ★Texas Ratio: 16.47% offering 2-Year Loan at 4.49% APR, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Credit Union of Southern CaliforniaCredit Union of Southern California470 S San Vicente Blvd Fl 1, Los Angeles, CA, 90048 4107A+5.0 ★Texas Ratio: 2.43% offering Credit Builder loan at 5.00% APR, and SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5359 W Centinela Ave, Los Angeles, CA, 90045A+5.0 ★Texas Ratio: 5.36% offering Special Curriculum Loan at 5.00% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Los Angeles has 24 local institutions in our database, with personal loan rates as low as 3.99% APR from SAG AFTRA Federal Credit Union at 5757 Wilshire Blvd Ste 124, Los Angeles, CA, 90036 3792. 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 Los Angeles, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Los Angeles, 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: June 29, 2026
Los Angeles Personal Loan Rates
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As Low As
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As Low As
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Maximum loan amount: Up to 100% of the available certificate balance
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6.40% APR; 7.40% APR
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$50,000; As Low As
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Borrow up to $5,000
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Over $30,000.00
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As Low As
As Low As; Loan Amount: $500 - $25,000
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Max APR: 11.24%
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As Low As; Loan Amount: $500+
$10,000; As Low As
As Low As; Loan Amount: $2,500+
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As Low As; Loan Amount: $3,000+
Variable Rate
As Low As; 8.90% APR (9.65% APR without discount) is the preferred rate for union dues for amounts from $500 to $10,000 and up to a three (3) year term. Lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account and automatic loan payments made from the same account.
As Low As; Loan Amount: $500-$40,000
As Low As; Financing up to $50,000; No collateral required
As Low As; Loan Amount: $5,000+
As Low As
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As Low As; Loan Amount: $5,000+
Rates from 9.74% - 18.00%
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As Low As
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As Low As; Loan Amount: $500 - $30,000; 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.
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As Low As; Go to Top
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variable
As Low As
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As Low As; Loan Amount: $5,000 - $30,000
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As Low As
As Low As; Loan Amount: $10,000 - $30,000
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As Low As
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As Low As; Variable Rate
Fixed rate
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Maximum loan amount: $30,000; Max APR: 17.49%
As Low As
As Low As
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As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
Maximum loan amount: $30,000; Max APR: 17.49%
As Low As
Loan amounts up to $3,500; As Low As; Rates as low as 12.00% APR*
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As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details. Interest rate is variable and may change after loan funding.
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Fixed rate
Maximum loan amount: $30,000; Max APR: 17.49%
As Low As; Maximum Financing: $20,000
variable
As Low As
As Low As
As Low As; Loan Amount: $250-$40,000
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As Low As
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As Low As
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Up to $25,000; Estimated monthly payment of $33.67 per $1,000 borrowed at 15.95% APR for 36 months. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No additional discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
Max. rate of 18.00%
$20 processing fee
Not based on credit score
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No payments for 60-days.
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$500 - $1,500
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No payments for up to 90 days
As Low As
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APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
Fixed; Minimum of $30,000 financed for 84 months.
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Regular APR: 15.49%
Regular APR: 13.99%
Application period from April 22, 2026 through June 15, 2026; Available to qualified applicants residing in Guam and CNMI
$3,000 Max
Model Year: 2011 to 2015
Model Year: 2016 to 2019
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Model Year: 2020 to 2024
As Low As
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Model Year: 2025 to 2027
Model Year: 2025 to 2027
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
Introductory APR
100% MSRP/Appraisal Value
100% MSRP/N.A.D.A Value
Fixed; + title & escrow
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Fixed; Minimum of $30,000 financed for 84 months.
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As low as; APR*
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As Low As; Borrow up to $2,500
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Available through June 30, 2026
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APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.
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As Low As; Subject to credit approval. Some restrictions may apply.
Model Year: 2025 to 2027
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As Low As
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Variable Rate
As Low As; Up to $25,000
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Life moves fast. Whether it's fun with the kids, milestone anniversary, a family reunion, or a much-needed reset, don't miss out on creating memories.
As Low As; Interest Rate: 6.5%
As Low As
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Max. Amt.: $2,500
As Low As; Up to $40,000
As Low As
As Low As; Technology Loan Rates
As Low As
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As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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As Low As*
As Low As
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As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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%.
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Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
As Low As; Up to $40,000
As Low As; Up to $25,000
As Low As*
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New (2018 and newer)
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As Low As; Maximum Amount: $20,000
Fixed
As low as; Click Here
APR up to 7.99%; $2,000; direct deposit and automatic payments.
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Los Angeles Personal Loan Rates
6.40% APR; 7.40% APR
As Low As; Loan Amount: $500 - $25,000
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As Low As; Loan Amount: $500+
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $3,000+
As Low As; Loan Amount: $500-$40,000
As Low As; Financing up to $50,000; No collateral required
As Low As; Loan Amount: $5,000+
As Low As; Loan Amount: $5,000+
As Low As; Loan Amount: $500 - $30,000; 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.
As Low As
As Low As; Loan Amount: $5,000 - $30,000
As Low As; Loan Amount: $10,000 - $30,000
As Low As
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As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
As Low As; Loan Amount: $250-$40,000
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As Low As
Up to $25,000; Estimated monthly payment of $33.67 per $1,000 borrowed at 15.95% APR for 36 months. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. No additional discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
Not based on credit score
APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and/or through all application channels or platforms.
As Low As; Up to $40,000
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As Low As; Up to $40,000
As Low As*
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As low as; Click Here
Los Angeles Debt Consolidation Loan Rates
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As Low As; 1
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As Low As; 1
As Low As; 1
As Low As; 1
As Low As; 1
As Low As; based on term
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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
As Low As; 1
Los Angeles Signature Loan Rates
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As Low As
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As Low As; Go to Top
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Maximum loan amount: $30,000; Max APR: 17.49%
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Maximum loan amount: $30,000; Max APR: 17.49%
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As Low As; Maximum Financing: $20,000
variable
Maximum loan amount: $30,000; Max APR: 17.49%
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Max. rate of 18.00%
As Low As
As low as; APR*
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As Low As; Up to $25,000
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As Low As
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As Low As; Up to $25,000
Los Angeles, CA Personal Loan Rate Trends
Compare local Los Angeles, 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 0.009 points over the past 7 days to 10.142% APR.
California signature loan rates fell 0.029 points over the past 7 days to 11.408% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, 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 Los Angeles, 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 Los Angeles, 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 Los Angeles, California?
What are the best personal loan rates in Los Angeles, California?
- SAG AFTRA Federal Credit Union: 3.99% (2025 & Newer Model Years Loan)
- Actors Federal Credit Union: 4.49% (2-Year Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Credit Union of Southern California: 5.00% (Credit Builder loan)
- SchoolsFirst Federal Credit Union: 5.00% (Special Curriculum Loan)
Los Angeles, California Rates & Resources
Personal Loan Calculators
