Best Personal Loan Rates in San Diego, California - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in San Diego, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union2431 Fenton Pkwy, San Diego, CA, 92108A+5.0 ★Texas Ratio: 5.36% offering Computer Loan at 5.00% APR, MyPoint Credit UnionMyPoint Credit Union9420 Farnham St, San Diego, CA, 92123A+5.0 ★Texas Ratio: 1.98% offering Computer Loan at 6.99% APR, Cabrillo Credit UnionCabrillo Credit Union880 Front St Ste 2295, San Diego, CA, 92101 8895A+5.0 ★Texas Ratio: 2.38% offering New (2018 and newer) - Terms up to 36 Months Loan at 7.90% APR, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4926 La Cuenta Dr, San Diego, CA, 92124 2609A+5.0 ★Texas Ratio: 0.91% offering Signature Loan at 8.49% APR, and California Credit UnionCalifornia Credit Union2550 5th Ave Ste 100, San Diego, CA, 92103A+5.0 ★Texas Ratio: 1.90% offering Personal Loan at 8.99% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
San Diego has 10 local institutions in our database, with personal loan rates as low as 5.00% APR from SchoolsFirst Federal Credit Union at 2431 Fenton Pkwy, San Diego, CA, 92108. 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 San Diego, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Diego, 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 16, 2026
San Diego Personal Loan Rates
No additional details available.
No additional details available.
6.40% APR; 7.40% APR
No additional details available.
No additional details available.
Model Year: New (2018 and newer)
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
As Low As
No additional details available.
Variable Rate
As Low As; Low monthly payments FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
Model Year: New (2018 and newer)
As Low As; Fixed APR; Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As Low As; Fixed APR
No additional details available.
Fixed
As Low As
Fixed
Rates as low as*
APR for Balance Transfers: 11.74% to 19.24%; APR for Cash Advances: 17.74% to 25.24%
Rates as low as*
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.
Rates as low as*
As Low As; Loan Amount: $500-$30,000
No additional details available.
Rates as low as*
As Low As; Loan Amount: $500-$30,000
APR for Balance Transfers: 14.00% to 21.50%; APR for Cash Advances: 20.00% to 27.50%
As Low As; Loan Amount: $500-25,000
Rates as low as*
As Low As; Loan Amount: $500-$30,000
APR for Purchases: 11.74% to 19.24%; APR for Balance Transfers: 11.74% to 19.24%
APR for Purchases: 14.00% to 21.50%; APR for Balance Transfers: 14.00% to 21.50%
No payments for 60-days.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Intro Rate
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
$500 - $1,500
No additional details available.
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As*
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
No additional details available.
Fixed
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Regular APR: 13.99%
Regular APR: 15.49%
$3,000 Max
No additional details available.
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
No additional details available.
No additional details available.
APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.
As Low As; Intro APR
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
No additional details available.
Fixed
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.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
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.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No additional details available.
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As low as
No additional details available.
No additional details available.
OAC; Terms based on credit
No additional details available.
No additional details available.
100% MSRP/Appraisal Value
As Low As; Subject to credit approval. Some restrictions may apply.
Over $30,000.00
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
No additional details available.
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
No additional details available.
As Low As
As Low As
As Low As; Loan Amount: $500 - $25,000
As low as
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Rates may vary based on loan type, amount, term, and credit qualifications.
As low as; Up to $25,000
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)
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Rates as low as 6.95% APR*
No additional details available.
As Low As; Utah Housing VA
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Max. Amt.: $2,500
As Low As; Amount: Up to $40,000
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As Low As
As Low As; Technology Loan Rates
As Low As
OAC; Terms based on credit
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%.
*See Below
Max APR: 11.24%
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As Low As
No additional details available.
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
As Low As; Utah Housing FHA
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%; Minimum Loan Amount: $5,000
As Low As; Amount: Up to $40,000
As low as
As Low As
No additional details available.
No additional details available.
Rate offering of 7.75% 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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; *
No additional details available.
As Low As; *
APR up to 7.99%
As Low As; Click Here
As Low As; Minimum loan amount $500+
As Low As; Secured Loans
We charge a loan origination fee of 1% of the loan amount
As Low As; Up to Intro Rate 18.39%
San Diego Personal Loan Rates
6.40% APR; 7.40% APR
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
No additional details available.
As Low As; Low monthly payments FIXED for the life of the loan; Predictable monthly payments that stay the same for the life of the loan; Financing up to $50,000; No collateral required
Fixed
As Low As
Fixed
No additional details available.
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.
As Low As; Loan Amount: $500 - $25,000
APRs as low as 6.53%3; Loans up to $75,000; Origination/processing fee ranges from 0.00% to 8.00% of the loan amount; APR ranges from 5.96% APR to 35.99% APR; A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 18.91%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936.
As Low As; Rates may vary based on loan type, amount, term, and credit qualifications.
As Low As; Amount: Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As
As Low As; Amount: Up to $40,000
As Low As
No additional details available.
No additional details available.
As Low As; Minimum loan amount $500+
As Low As; Click Here
As Low As; *
San Diego Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Loan Maximum: $50,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as (based on term)
No additional details available.
No additional details available.
San Diego Signature Loan Rates
As Low As
As Low As; Fixed APR; Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As Low As; Fixed APR
Rates as low as*
Rates as low as*
Rates as low as*
As Low As; Loan Amount: $500-$30,000
Rates as low as*
As Low As; Loan Amount: $500-$30,000
As Low As; Loan Amount: $500-25,000
Rates as low as*
As Low As; Loan Amount: $500-$30,000
As Low As
No additional details available.
No additional details available.
As low as; Up to $25,000
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
As Low As; Up to Intro Rate 18.39%
San Diego, CA Personal Loan Rate Trends
Compare local San Diego, 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 0.337 points over the past 7 days to 10.255% APR.
California signature loan rates fell 0.227 points over the past 7 days to 11.321% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Diego, 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 San Diego, 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 San Diego, 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 San Diego, California?
What are the best personal loan rates in San Diego, California?
- SchoolsFirst Federal Credit Union: 5.00% (Computer Loan)
- MyPoint Credit Union: 6.99% (Computer Loan)
- Cabrillo Credit Union: 7.90% (New (2018 and newer) - Terms up to 36 Months Loan)
- San Diego Firefighters Federal Credit Union: 8.49% (Signature Loan)
- California Credit Union: 8.99% (Personal Loan)
San Diego, California Rates & Resources
Personal Loan Calculators
