Best Personal Loan Rates in San Francisco, California -
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 Francisco, California include: San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94118 1903A+5.0 ★Texas Ratio: 4.67% offering 10 Year Loan at 5.95% APR, Happen BankHappen Bank595 Market St, San Francisco, CA, 94105A5.0 ★Texas Ratio: 6.13% offering Personal Loan at 6.53% APR, San Francisco Federal Credit UnionSan Francisco Federal Credit Union770 Golden Gate Ave, San Francisco, CA, 94102 3120A+5.0 ★Texas Ratio: 0.99% offering Personal Loans at 6.70% APR, ILWU Federal Credit UnionILWU Federal Credit Union400 N Point St, San Francisco, CA, 94133A+5.0 ★Texas Ratio: 4.51% offering Signature Loan at 6.74% APR, and The Police Credit UnionThe Police Credit Union802 Bryant St, San Francisco, CA, 94103A+5.0 ★Texas Ratio: 1.53% offering Personal Loan at 7.24% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
San Francisco has 7 local institutions in our database, with personal loan rates as low as 5.95% APR from San Francisco Fire Credit Union at 3201 California St, San Francisco, CA, 94118 1903. 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 Francisco, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Francisco, 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 Francisco Personal Loan Rates
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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; Up to $25,000
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As Low As
As Low As; amounts $20,001-$35,000
As low as
As low as; 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.
As low as
As Low As; amounts $35,001 and over
As Low As; $50,000**
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As Low As; $50,000**
As Low As; $50,000**; $15k & over
No additional details available.
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As Low As
No additional details available.
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Rates vary with amount financed, term and your credit history. Late payment fee is $15.
Between January 2026 and March 2026, on average, the APR for a Happen Bank Personal Loan was 17.32% with an origination fee of 6% and a principal amount of $48,925 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data.
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.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
No payments for 60-days.
Intro Rate
No additional details available.
No additional details available.
$500 - $1,500
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
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
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No additional details available.
Regular APR: 15.49%
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%
$3,000 Max
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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.
6.40% APR; 7.40% APR
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
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
Adjustable Rate Mortgage Loans: Owner Occupied
No additional details available.
No additional details available.
Fixed
No additional details available.
As Low As
As Low As; Borrow up to $2,500 with repayment terms up to 12 months.
Max. $2,500
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.
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.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
No additional details available.
As low as
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OAC; Terms based on credit
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100% MSRP/Appraisal Value
As Low As; Subject to credit approval. Some restrictions may apply.
Over $30,000.00
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As Low As
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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
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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%.
As Low As; Rates as low as 6.95% APR*
No additional details available.
As Low As; Utah Housing VA
Max. Amt.: $2,500
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
As Low As; Amount: Up to $40,000
No additional details available.
As Low As
As Low As; Technology Loan Rates
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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
Financing LTV based upon creditworthiness: 100%; Minimum Loan Amount: $5,000
Max APR: 11.24%
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
No additional details available.
As Low As; Amount: Up to $40,000
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.
Model Year: New (2018 and newer)
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As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
As Low As; Minimum loan amount $500+
As Low As; *
APR up to 7.99%
As Low As; Click Here
No additional details available.
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 Francisco Personal Loan Rates
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
As Low As
As Low As
As Low As; amounts $20,001-$35,000
As low as; 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.
As Low As; amounts $35,001 and over
As Low As; $50,000**
As Low As; $50,000**
As Low As; $50,000**; $15k & over
Between January 2026 and March 2026, on average, the APR for a Happen Bank Personal Loan was 17.32% with an origination fee of 6% and a principal amount of $48,925 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data.
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.
6.40% APR; 7.40% APR
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
As Low As; Amount: Up to $40,000
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Amount: Up to $40,000
No additional details available.
No additional details available.
As Low As; Minimum loan amount $500+
As Low As; Click Here
As Low As; *
Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
San Francisco Debt Consolidation Loan Rates
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Loan Maximum: $50,000
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As low as (based on term)
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San Francisco Signature Loan Rates
As low as; Up to $25,000
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As Low As; Up to Intro Rate 18.39%
San Francisco, CA Personal Loan Rate Trends
Compare local San Francisco, 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 Francisco, 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 Francisco, 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 Francisco, 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 Francisco, California?
What are the best personal loan rates in San Francisco, California?
- San Francisco Fire Credit Union: 5.95% (10 Year Loan)
- Happen Bank: 6.53% (Personal Loan)
- San Francisco Federal Credit Union: 6.70% (Personal Loans)
- ILWU Federal Credit Union: 6.74% (Signature Loan)
- The Police Credit Union: 7.24% (Personal Loan)
San Francisco, California Rates & Resources
Personal Loan Calculators
