MonitorBankRates
☰
Home › Personal Loans › California › Sonoma iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our editorial team independently verifies all rates and data displayed. Advertiser relationships do not influence our health rating, star rankings, Texas Ratio calculation, or the rates shown.

Best Personal Loan Rates in Sonoma, California (CA) - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to California borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 29, 2026

Current personal loan options available to borrowers in Sonoma, California include: North Bay Credit UnionNorth Bay Credit Union201 Nino Marco Sq, Sonoma, CA, 95476F1.0 ★Texas Ratio: 73.10% offering Unsecured Personal Loans at 12.75% APR, Exchange BankExchange Bank435 W Napa St, Sonoma, CA, 95476A+5.0 ★Texas Ratio: 2.21% offering Unsecured Personal Loan or more at 13.26% APR, Redwood Credit UnionRedwood Credit Union500 W Napa St, Sonoma, CA, 95476A+5.0 ★Texas Ratio: 3.79% offering Personal Loan at 13.74% APR, USC Credit UnionUSC Credit Union3720 S Flower St FL 4, Los Angeles, CA, 90089A+5.0 ★Texas Ratio: 5.87% offering GoGreen Loan at 3.99% APR, and KeyPoint Credit UnionKeyPoint Credit Union7062 Market Place Dr, Goleta, CA, 93117 5902A+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR. Personal loan rates as of March 29, 2026 according to verified data from MonitorBankRates.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Sonoma, California can save you significantly over the life of your loan.

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 Sonoma, California.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sonoma, 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: March 29, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
201 Nino Marco Sq, Sonoma, CA, 95476
Unsecured Personal Loans
12.75%
View
▼
APR12.75%
Last UpdatedMarch 29, 2026
Details

*Maximum loan amount; $5,000

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
13.26%
View
▼
APR13.26%
Last UpdatedMarch 29, 2026
Details

$10,000; Documentation fee $60.00; Subject to additional finance charges.

Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
500 W Napa St, Sonoma, CA, 95476
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
500 W Napa St, Sonoma, CA, 95476
Personal Loan
14.19%
View
▼
APR14.19%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
14.29%
View
▼
APR14.29%
Last UpdatedMarch 29, 2026
Details

$6,000; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
15.46%
View
▼
APR15.46%
Last UpdatedMarch 29, 2026
Details

$3,500; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
17.23%
View
▼
APR17.23%
Last UpdatedMarch 29, 2026
Details

$2,500; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
23.13%
View
▼
APR23.13%
Last UpdatedMarch 29, 2026
Details

$1,500; Documentation fee $60.00; Subject to additional finance charges.

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
3.99%
View
▼
APR3.99%
Last UpdatedMarch 29, 2026
Details

As Low As

KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7062 Market Place Dr, Goleta, CA, 93117 5902
Credit Mender Loan
3.99%
View
▼
APR3.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Universal City Studios Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
175 E Olive Ave, Burbank, CA, 91502 1853
Credit Builder Loan
4.00%
View
▼
APR4.00%
Last UpdatedMarch 29, 2026
Details

As Low As; Maximum term 48 months; Up to $10,000

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
4.24%
View
▼
APR4.24%
Last UpdatedMarch 29, 2026
Details

As Low As

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
Computer Loan
4.49%
View
▼
APR4.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
GoGreen Loan
4.49%
View
▼
APR4.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Refinance Loan
4.64%
View
▼
APR4.64%
Last UpdatedMarch 29, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
4.74%
View
▼
APR4.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Matadors Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
20045 Prairie St, Chatsworth, CA, 91311
Solar Loan
4.74%
View
▼
APR4.74%
Last UpdatedMarch 29, 2026
Details

As Low As; Rate reflects a .50% discount for Automatic Payment.

1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
Title Loans
4.74%
View
▼
APR4.74%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Loan
4.75%
View
▼
APR4.75%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedMarch 29, 2026
Details

As Low As

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
4.85%
View
▼
APR4.85%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
4.99%
View
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA, 91105 1413
Fire Station Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 5,000 - 4 Years
4.99%
View
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 7,500 - 5 Years
4.99%
View
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2847 Campus Pkwy, Riverside, CA, 92507 0906
Credit Builder Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details

Fixed

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Special Curriculum Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details

No additional details available.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
Computer Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details

No additional details available.

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Youth Agricultural Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Bakersfield City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA, 93301 3210
Computer Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details

As Low As; $3,000.00

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 10,000 - 6 Years
5.19%
View
▼
APR5.19%
Last UpdatedMarch 29, 2026
Details

As Low As

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar & Energy Saving Loan
5.24%
View
▼
APR5.24%
Last UpdatedMarch 29, 2026
Details

As Low As; Maximum Loan Amount: $125,000

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 10,000 - 6 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 5,000 - 4 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 7,500 - 5 Years
5.24%
View
▼
APR5.24%
Last UpdatedMarch 29, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
View
▼
APR5.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
255 N Lone Hill Ave, San Dimas, CA, 91773 2308
Ministry Church Loan
5.40%
View
▼
APR5.40%
Last UpdatedMarch 29, 2026
Details

As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Medical Residency Refinance Loan
5.45%
View
▼
APR5.45%
Last UpdatedMarch 29, 2026
Details

Fixed rates

Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
2650 Harrison Ave, Eureka, CA, 95501
Fixed Real Estate Loans
5.46%
View
▼
APR5.46%
Last UpdatedMarch 29, 2026
Details

As Low As

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Go Green Loan
5.49%
View
▼
APR5.49%
Last UpdatedMarch 29, 2026
Details

As Low As; (Fixed); Must use a State-Approved Contractor

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
5757 Wilshire Blvd, Los Angeles, CA, 90036 3684
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
View
▼
APR5.49%
Last UpdatedMarch 29, 2026
Details

$50,000; As Low As

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Medical Residency Refinance Loan
5.51%
View
▼
APR5.51%
Last UpdatedMarch 29, 2026
Details

Variable rates

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA, 94941
Variable Rate Loan
5.51%
View
▼
APR5.51%
Last UpdatedMarch 29, 2026
Details

Your interest rate and monthly payments can fluctuate during the repayment period.

Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Vacation Loan
5.59%
View
▼
APR5.59%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 20,000 - 7 Years
5.59%
View
▼
APR5.59%
Last UpdatedMarch 29, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
Vacation Loans
5.69%
View
▼
APR5.69%
Last UpdatedMarch 29, 2026
Details

As Low As

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
5.69%
View
▼
APR5.69%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
HOLIDAY/VACATION LOAN - Max.
5.69%
View
▼
APR5.69%
Last UpdatedMarch 29, 2026
Details

$2,500; As Low As

Befit Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.38%
640 E Main St, Vacaville, CA, 95688 3933
TPMG Loan
5.69%
View
▼
APR5.69%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
5601 E La Palma Ave, Anaheim, CA, 92807 2109
Personal Loan
5.74%
View
▼
APR5.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Go Green Loan Solar Battery Storage or Solar + Battery Bundle
5.74%
View
▼
APR5.74%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount $ 20,000 - 7 Years
5.84%
View
▼
APR5.84%
Last UpdatedMarch 29, 2026
Details

As Low As

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Relocation Loan
5.90%
View
▼
APR5.90%
Last UpdatedMarch 29, 2026
Details

Borrow up to $5,000

USC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
3720 S Flower St FL 4, Los Angeles, CA, 90089
Certificate Program Loan
5.90%
View
▼
APR5.90%
Last UpdatedMarch 29, 2026
Details

As Low As

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA, 91007
Technology Loan
5.90%
View
▼
APR5.90%
Last UpdatedMarch 29, 2026
Details

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.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
VA Loan
5.91%
View
▼
APR5.91%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
VA Loans
5.94%
View
▼
APR5.94%
Last UpdatedMarch 29, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 29, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 29, 2026
Details

Approximate Term: Up to 24 months

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details

FICO ?720

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
VA Refi Loan
6.20%
View
▼
APR6.20%
Last UpdatedMarch 29, 2026
Details

No additional details available.

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar & Energy Saving Loan
6.24%
View
▼
APR6.24%
Last UpdatedMarch 29, 2026
Details

As Low As; Maximum Loan Amount: $125,000

Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.24%
View
▼
APR6.24%
Last UpdatedMarch 29, 2026
Details

As Low As

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Construction Loan
6.25%
View
▼
APR6.25%
Last UpdatedMarch 29, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
6.25%
View
▼
APR6.25%
Last UpdatedMarch 29, 2026
Details

FICO ?720

Star One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1306 Bordeaux Dr, Sunnyvale, CA, 94089 1005
Solar Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 29, 2026
Details

No additional details available.

SONOMA
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
1194 Montgomery Dr, Santa Rosa, CA, 95405 4802
Disaster Preparedness Loans
6.25%
View
▼
APR6.25%
Last UpdatedMarch 29, 2026
Details

Require checking with Direct Deposit

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
6.40%
View
▼
APR6.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Travis Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
659 Skymaster Cir, Travis AFB, CA, 94535
Eco-Friendly Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

As Low As; (Fixed)

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

Approximate Term: Up to 60 months

Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 5 year
6.50%
View
▼
APR6.50%
Last UpdatedMarch 29, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
6.50%
View
▼
APR6.50%
Last UpdatedMarch 29, 2026
Details

FICO ?720

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
9494 Miramar Rd, San Diego, CA, 92126
FHA Loan
6.51%
View
▼
APR6.51%
Last UpdatedMarch 29, 2026
Details

As Low As; Rates as low as 5.625% (6.508% APR)

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
View
▼
APR6.53%
Last UpdatedMarch 29, 2026
Details

As Low As; Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
700 Gale Dr, Campbell, CA, 95008
VA Loans
6.56%
View
▼
APR6.56%
Last UpdatedMarch 29, 2026
Details

30-Year Rates As Low As; Primary Residence

Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Vacation Loan
6.59%
View
▼
APR6.59%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Sacramento Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
800 H St, Sacramento, CA, 95814 2607
TPMG Guaranteed Loan Senior Purchase
6.69%
View
▼
APR6.69%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA, 90248 4220
Holiday Loan - Closed End Fixed APR as low as
6.74%
View
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details

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.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
View
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
6.74%
View
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Valley First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
1005 W Orangeburg Ave, Modesto, CA, 95350
Consumer Green Loans Solar Loans (Primary Residence)
6.74%
View
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 7 year
6.75%
View
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details

As Low As

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Equipment Loans
6.75%
View
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details

As Low As

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.79%
View
▼
APR6.79%
Last UpdatedMarch 29, 2026
Details

Approximate Term: Up to 72 months

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Variable
6.82%
View
▼
APR6.82%
Last UpdatedMarch 29, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.84%
View
▼
APR6.84%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Loan
6.87%
View
▼
APR6.87%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
250 W Colorado Blvd, Arcadia, CA, 91007
Energy Saver Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

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.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Unsecured Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12934 Harbor Blvd, Garden Grove, CA, 92840 5809
Energy Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.

UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA, 94551 7301
Unsecured Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

Approximate Term: Up to 84 months

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

Up to $50,000

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
701 W 18th St, Antioch, CA, 94509 1586
Alternative Energy Loans Solar (Solar loans will have a UCC Filing attached to them.)
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Beverly Hills City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
9298 W 3RD ST, BEVERLY HILLS, CA, 90210
Holiday Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Energy Efficient Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

As Low As; Up to $40,000

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1440 Rosecrans Ave, Manhattan Beach, CA, 90266
Equity Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Valley Oak Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
40870 Sierra Dr, Three Rivers, CA, 93271 9696
Tech Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
47993 Morongo Trl Ste 101, Cabazon, CA, 92230 2165
Lot Loan (Improved)
7.00%
View
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details

As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details

FICO ?720

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
2nd Trust Deed Fixed Loan Programs 10 year
7.00%
View
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Variable
7.01%
View
▼
APR7.01%
Last UpdatedMarch 29, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN - Max.
7.05%
View
▼
APR7.05%
Last UpdatedMarch 29, 2026
Details

$100,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
Title/Collateral Loans
7.05%
View
▼
APR7.05%
Last UpdatedMarch 29, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Variable
7.05%
View
▼
APR7.05%
Last UpdatedMarch 29, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.09%
View
▼
APR7.09%
Last UpdatedMarch 29, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN
7.18%
View
▼
APR7.18%
Last UpdatedMarch 29, 2026
Details

As Low As

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4926 La Cuenta Dr, San Diego, CA, 92124 2609
Solar & Energy Saving Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details

As Low As; Maximum Loan Amount: $125,000

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 6 Years
7.24%
View
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details

$10,000; As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2333 Utah Ave, El Segundo, CA, 90245
Land Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details

over $250,000; As Low As; 5 year adjustable - starting at

Rolling F Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
2101 GEER RD STE 401, TURLOCK, CA, 95382 2471
COLLATERAL (TITLE) LOAN
7.28%
View
▼
APR7.28%
Last UpdatedMarch 29, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 20/5YR Balloon Fixed
7.28%
View
▼
APR7.28%
Last UpdatedMarch 29, 2026
Details

As Low As

1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Martinez, CA, 94553
10 Year Equity Loan
7.30%
View
▼
APR7.30%
Last UpdatedMarch 29, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
7.40%
View
▼
APR7.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 10 Year Fixed
7.48%
View
▼
APR7.48%
Last UpdatedMarch 29, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
401 W 2nd St, San Bernardino, CA, 92401
Lot Loan- 30/5YR Balloon Fixed
7.48%
View
▼
APR7.48%
Last UpdatedMarch 29, 2026
Details

As Low As

Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

MyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
9420 Farnham St, San Diego, CA, 92123
Green Energy/Solar Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 7 Years
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

$20,000; As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Personal Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Solar Panel Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

Up to $50,000

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Sustainable Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
9040 Benson Ave, Montclair, CA, 91763
Faith Organization Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details

up to $250,000; As Low As; 10 year fixed

Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
1021 Olivewood Dr, Merced, CA, 95348 1218
Energy Efficient Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details

As Low As; Up to $40,000

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details

FICO 680-719

Greater Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1185 W Hedges Ave, Fresno, CA, 93728 1219
Energy Efficient Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details

$500 - $2,000

Inova Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
2607 7th St Ste A, Berkeley, CA, 94710 2571
Land Loan
7.60%
View
▼
APR7.60%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Wheelhouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
9212 Balboa Ave, San Diego, CA, 92123 1514
Solar and Energy Efficient Loans
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
3457 Deer Valley Rd, Antioch, CA, 94531 6665
Minimum loan amount - 6 Years
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

$10,000; As Low As

Downey Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.42%
8237 3rd St, Downey, CA, 90241 3718
Used (2020 or older) Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 29, 2026
Details

FICO 680-719

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA, 92054
Unsecured Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 29, 2026
Details

As Low As

San Joaquin Power Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1080 W SHAW AVE STE 109, FRESNO, CA, 93711
Energy Efficiency Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details

No additional details available.

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
View
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 29, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

SESLOC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3807 Broad St, San Luis Obispo, CA, 93401
Sustainable Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1221 Nevin Ave, Richmond, CA, 94801 3123
Personal/Unsecured
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

(Fixed)

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA, 95242 4130
Signature Loan -Fixed Term
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

Contact Credit Union for qualifying terms and individual rates

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
201 Nino Marco Sq, Sonoma, CA, 95476
Unsecured Personal Loans
12.75%
View
▼
APR12.75%
Last UpdatedMarch 29, 2026
Details

*Maximum loan amount; $5,000

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
13.26%
View
▼
APR13.26%
Last UpdatedMarch 29, 2026
Details

$10,000; Documentation fee $60.00; Subject to additional finance charges.

Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
500 W Napa St, Sonoma, CA, 95476
Personal Loan
13.74%
View
▼
APR13.74%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Redwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
500 W Napa St, Sonoma, CA, 95476
Personal Loan
14.19%
View
▼
APR14.19%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
14.29%
View
▼
APR14.29%
Last UpdatedMarch 29, 2026
Details

$6,000; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
15.46%
View
▼
APR15.46%
Last UpdatedMarch 29, 2026
Details

$3,500; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
17.23%
View
▼
APR17.23%
Last UpdatedMarch 29, 2026
Details

$2,500; Documentation fee $60.00; Subject to additional finance charges.

Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
435 W Napa St, Sonoma, CA, 95476
Unsecured Personal Loan or more
23.13%
View
▼
APR23.13%
Last UpdatedMarch 29, 2026
Details

$1,500; Documentation fee $60.00; Subject to additional finance charges.

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
4.24%
View
▼
APR4.24%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Personal Loans
4.99%
View
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
5.40%
View
▼
APR5.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Direct Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
5601 E La Palma Ave, Anaheim, CA, 92807 2109
Personal Loan
5.74%
View
▼
APR5.74%
Last UpdatedMarch 29, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
6.40%
View
▼
APR6.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
595 Market St, San Francisco, CA, 94105
Personal Loan
6.53%
View
▼
APR6.53%
Last UpdatedMarch 29, 2026
Details

As Low As; Advertised rates and fees are valid as of January 7, 2026, are subject to change without notice, and may not be available for all Personal Loan products.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
6.84%
View
▼
APR6.84%
Last UpdatedMarch 29, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4501 Colorado Blvd, Los Angeles, CA, 90039
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA, 94118 1903
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.09%
View
▼
APR7.09%
Last UpdatedMarch 29, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.24%
View
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details

As Low As

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2115 N Broadway, Santa Ana, CA, 92706
STRS/PERS Retirement Credit Personal Loan
7.40%
View
▼
APR7.40%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2305 Historic Decatur Rd Ste 300, San Diego, CA, 92106 6073
Personal Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA, 94066
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2625 CORPORATE Pl, MONTEREY PARK, CA, 91754
Personal Loans
7.90%
View
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Safe 1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1400 Mill Rock Way, Bakersfield, CA, 93311
Personal Loan
7.90%
View
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 29, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
11000 Wilshire Blvd, Los Angeles, CA, 90024
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Bay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3333 Clares St, Capitola, CA, 95010 2546
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA, 93726
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
8.49%
View
▼
APR8.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
9.30%
View
▼
APR9.30%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Debt Cancellation Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 36 Months
9.99%
View
▼
APR9.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Debt Consolidation
9.99%
View
▼
APR9.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
10.05%
View
▼
APR10.05%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1911 M ST, Merced, CA, 95340 3706
Debt Consolidation Loan
10.29%
View
▼
APR10.29%
Last UpdatedMarch 29, 2026
Details

As Low As

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 48 Months
10.49%
View
▼
APR10.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Signature/Debt Cancellation Loan Up to 60 Months
10.99%
View
▼
APR10.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
11.30%
View
▼
APR11.30%
Last UpdatedMarch 29, 2026
Details

No additional details available.

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Debt Consolidation Loans
11.49%
View
▼
APR11.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
Signature Debt Consolidation
11.99%
View
▼
APR11.99%
Last UpdatedMarch 29, 2026
Details

As Low As

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
Debt Consolidation
12.00%
View
▼
APR12.00%
Last UpdatedMarch 29, 2026
Details

As Low As

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
12.30%
View
▼
APR12.30%
Last UpdatedMarch 29, 2026
Details

No additional details available.

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.30%
View
▼
APR12.30%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.35%
View
▼
APR12.35%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.40%
View
▼
APR12.40%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.45%
View
▼
APR12.45%
Last UpdatedMarch 29, 2026
Details

As Low As

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
13.30%
View
▼
APR13.30%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
13304 Alondra Blvd, Cerritos, CA, 90703
Special Debt Consolidation
13.49%
View
▼
APR13.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA, 92335
Debt Consolidation
13.99%
View
▼
APR13.99%
Last UpdatedMarch 29, 2026
Details

As Low As; $30,000 maximum - consolidate your high rate loans

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
14.45%
View
▼
APR14.45%
Last UpdatedMarch 29, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
View
▼
APR14.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loans
14.49%
View
▼
APR14.49%
Last UpdatedMarch 29, 2026
Details

As Low As

San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
16.44%
View
▼
APR16.44%
Last UpdatedMarch 29, 2026
Details

As Low As

Mission City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1391 Franklin St, Santa Clara, CA, 95050 4710
Debt Cancellation Loan
17.49%
View
▼
APR17.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
6.74%
View
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details

As Low As

Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Signature Loan
7.49%
View
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details

No additional details available.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1134 N Avalon Blvd, Wilmington, CA, 90744 3502
Signature Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details

As Low As

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 29, 2026
Details

No additional details available.

Mokelumne Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2310 Tienda Dr Ste 204, Lodi, CA, 95242 4130
Signature Loan -Fixed Term
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

Contact Credit Union for qualifying terms and individual rates

American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
4151 Prospect Ave, Los Angeles, CA, 90027
Signature Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details

No additional details available.

No home improvement personal loan rates found in Sonoma, CA currently.

Frequently Asked Questions

What credit score do I need for a personal loan in California?

Most lenders in Sonoma, California require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in California often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Sonoma, California require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in California?

Yes. Debt consolidation is one of the most common uses of personal loans in Sonoma, California. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Sonoma, California?

Credit unions in Sonoma, California often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Sonoma, California?

  • North Bay Credit Union: 12.75% (Unsecured Personal Loans)
  • Exchange Bank: 13.26% (Unsecured Personal Loan or more)
  • Redwood Credit Union: 13.74% (Personal Loan)
  • USC Credit Union: 3.99% (GoGreen Loan)
  • KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sonoma, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 29, 2026.

Sonoma, California Rates & Resources

$
Sonoma, California CD Rates
$
Sonoma, California Savings Rates
$
Sonoma, California Money Market Rates
$
Sonoma, California Mortgage Rates
$
Sonoma, California Checking Rates
$
Sonoma, California Auto Loan Rates

Personal Loan Calculators

Personal Loan Calculator Debt Consolidation Calculator