Best Personal Loan Rates in Oakland, California (CA) - May 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 Oakland, California include: ILWU Federal Credit UnionILWU Federal Credit Union95 Linden St Ste 12, Oakland, CA, 94607A+5.0 ★Texas Ratio: 4.69% offering Signature Loan at 6.74% APR, Utility District Credit UnionUtility District Credit Union375 11th St STE 203, Oakland, CA, 94607A+5.0 ★Texas Ratio: 0.69% offering Signature Loan at 9.00% APR, The Golden 1 Credit UnionThe Golden 1 Credit Union2251 Broadway, Oakland, CA, 94612A+5.0 ★Texas Ratio: 5.42% offering Personal Loan at 9.49% APR, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union140 Frank H Ogawa Plz, Oakland, CA, 94612B4.4 ★Texas Ratio: 21.76% offering Personal Loans at 13.74% 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 May 2, 2026 according to verified data from MonitorBankRates.
Oakland has 4 local institutions in our database, with personal loan rates as low as 6.74% APR from ILWU Federal Credit Union at 95 Linden St Ste 12, Oakland, CA, 94607. 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 Oakland, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oakland, 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: May 2, 2026
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As Low As; All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
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Annual Percentage Rate (APR). Rates vary with amount financed, term and your credit history. Late payment fee is $15.
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As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
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$3,000 Max
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$50,000; As Low As
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As Low As; 13.99%
As Low As; Competitive Low Rates - Rates start as low as 5.69% APR, giving you more spending power for your trip.
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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.
Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
30-Year Rates As Low As
Approximate Term: Up to 60 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; 15.50%
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Rates starting at 6.53% APR1
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As Low As; 14.99%
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Approximate Term: Up to 72 months
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Approximate Term: Up to 84 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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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.
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As Low As; 16.99%
up to $250,000; No prepayment penalties; Personal guarantees may be waived
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FICO 720 and above
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Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
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As low as; Loan Type: Personal Loan
As Low As; Working on a project? Need to make a purchase? We can help!
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$10,000; As Low As
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; $5,000 Minimum; $50,000 Maximum
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As Low As; 17.99%
As Low As; 17.45%
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Rates as low as 8.49%
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As Low As; APR as low as 8.50%
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Personal Loans
Variable Rate
As Low As; $5,000 Minimum; $50,000 Maximum
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Qualifications Required: direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account; automatic loan payments made from the same account; As Low As; Proof of income may be required depending on the applicant's credit rating and other underwriting factors.
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As Low As; Financing Available: Up to $25,000
As Low As; Loan Amount $500-$40,000
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As Low As; Rates as low as 8.99% APR
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As Low As; All loans subject to approval. Annual Percentage Rate (APR). The lowest rate assumes membership of at least seven months. Lowest rate available to new members is 11.49%. Rates vary with term, length of membership, and your credit history. Late Payment fee is 5% of the past due amount or $15, whichever is greater.
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FICO 720 and above
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Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
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As low as; Loan Type: Personal Loan
As Low As; Working on a project? Need to make a purchase? We can help!
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Rates as low as 8.49%
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As Low As; APR as low as 8.50%
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As Low As; Personal Loans
As Low As; Loan Amount $500-$40,000
As Low As; Financing Available: Up to $25,000
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As Low As; Rates as low as 8.99% APR
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Rates starting at 6.53% APR1
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As Low As; $30,000 maximum - consolidate your high rate loans
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As Low As; 15.50%
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As Low As; 16.99%
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Oakland, CA Personal Loan Rate Trends
Compare local Oakland, 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 rose 0.227 points over the past 7 days to 9.853% APR.
California signature loan rates fell 0.437 points over the past 7 days to 10.885% 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 Oakland, California?
What are the best personal loan rates in Oakland, California?
- ILWU Federal Credit Union: 6.74% (Signature Loan)
- Utility District Credit Union: 9.00% (Signature Loan)
- The Golden 1 Credit Union: 9.49% (Personal Loan)
- UNIFY Financial Federal Credit Union: 13.74% (Personal Loans)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
