Best Personal Loan Rates in Sacramento, 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 Sacramento, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union5210 Madison Ave, Sacramento, CA, 95841A+5.0 ★Texas Ratio: 5.36% offering Computer Loan at 5.00% APR, Sacramento Credit UnionSacramento Credit Union800 H St, Sacramento, CA, 95814 2607A+5.0 ★Texas Ratio: 0.16% offering TPMG Guaranteed Loan Senior Purchase at 5.69% APR, California Community Credit UnionCalifornia Community Credit Union8815 Folsom Blvd, Sacramento, CA, 95826A+5.0 ★Texas Ratio: 0.58% offering Signature at 8.95% APR, First Us Community Credit UnionFirst Us Community Credit Union2150 Watt Ave, Sacramento, CA, 95825A+5.0 ★Texas Ratio: 1.50% offering Personal Loans at 9.49% APR, and Heritage Community Credit UnionHeritage Community Credit Union10415 Old Placerville Rd, Sacramento, CA, 95827 2508A+5.0 ★Texas Ratio: 4.79% offering Personal Loan at 10.59% APR. Personal loan rates as of May 18, 2026 according to verified data from MonitorBankRates.
Sacramento has 6 local institutions in our database, with personal loan rates as low as 5.00% APR from SchoolsFirst Federal Credit Union at 5210 Madison Ave, Sacramento, CA, 95841. 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 Sacramento, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sacramento, 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 18, 2026
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Variable Rate
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As Low As; Amount Up to $25,000
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As Low As; Annual Percentage Rate (APR) may vary. Please call for current rates. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan.
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As Low As; $2000 Maximum
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As Low As; Rate reflects a .50% discount for Automatic Payment.
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As Low As; Subject to Bank of Guam lending criteria. Terms and conditions apply. Application period from April 22, 2026 through May 31, 2026. Annual Percentage Rate. Available to qualified applicants residing in Guam and CNMI
$3,000 Max
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
As Low As; Up to 60 Months, Maximum Loan Amount $125,000
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$50,000; As Low As
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$2,500; As Low As
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Solar Battery Storage or Solar + Battery Bundle
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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.
Borrow up to $5,000
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As Low As; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Up to 120 Months, Maximum Loan Amount $125,000
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As Low As; Primary Residence
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Borrow up to $25,000
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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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Up to $50,000
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Up to $40,000
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$100,000; As Low As
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$100,000; As Low As
As Low As; Up to 180 Months, Maximum Loan Amount $125,000
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over $250,000; As Low As; 5 year adjustable - starting at 7.25% APR*
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$100,000; As Low As
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Up to $50,000
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As Low As; Up to $40,000
up to $250,000; As Low As; 10 year fixed
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Personal Loan
Up to $50,000
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As Low As; Up to 240 Months, Maximum Loan Amount $125,000
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(Fixed)
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$10,000; As Low As
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As
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As Low As; $5,000 Minimum; $50,000 Maximum
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As Low As; (amounts $20,001-$35,000)
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As Low As; Amount Financed: $500 to $50,000
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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; Plus, no payments for 60-days.
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As Low As; Up to $25,000
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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.
As Low As; Loan Amount $500-$40,000
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As Low As; Amount Up to $25,000
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As Low As; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. 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 05/15/2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As
As Low As
As Low As; Up to $40,000
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Personal Loan
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; (amounts $20,001-$35,000)
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As Low As; Amount Financed: $500 to $50,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Loan Amount $500-$40,000
As Low As; Up to $25,000
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As Low As; (based on term)
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As Low As; $30,000 maximum - consolidate your high rate loans
As Low As
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As Low As; Annual Percentage Rate (APR) may vary. Please call for current rates. All loans granted on approval of credit (OAC). Loan rates are based on credit score and term of loan.
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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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Sacramento, CA Personal Loan Rate Trends
Compare local Sacramento, 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 0.003 points over the past 7 days to 9.661% APR.
California signature loan rates fell 0.009 points over the past 7 days to 10.889% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sacramento, 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 Sacramento, 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 Sacramento, 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 Sacramento, California?
What are the best personal loan rates in Sacramento, California?
- SchoolsFirst Federal Credit Union: 5.00% (Computer Loan)
- Sacramento Credit Union: 5.69% (TPMG Guaranteed Loan Senior Purchase)
- California Community Credit Union: 8.95% (Signature)
- First Us Community Credit Union: 9.49% (Personal Loans)
- Heritage Community Credit Union: 10.59% (Personal Loan)
Personal Loan Calculators
