Best Personal Loan Rates in Thousand Oaks, California (CA) - April 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 Thousand Oaks, California include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union191 W Wilbur Rd Ste 101, Thousand Oaks, CA, 91360A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, Premier America Credit UnionPremier America Credit Union173 N Moorpark Rd Ste C, Thousand Oaks, CA, 91360 4451A5.0 ★Texas Ratio: 9.61% offering Personal Loans at 9.24% APR, Kinecta Federal Credit UnionKinecta Federal Credit Union550 N Moorpark Rd, Thousand Oaks, CA, 91360A+5.0 ★Texas Ratio: 4.14% offering Loan at 9.74% APR, Ventura County Credit UnionVentura County Credit Union18 W Thousand Oaks Blvd, Thousand Oaks, CA, 91360 4458A+5.0 ★Texas Ratio: 3.24% offering Signature Loan at 10.70% APR, and KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Thousand Oaks has 4 local institutions in our database, with personal loan rates as low as 4.99% APR from Firefighters First Federal Credit Union at 191 W Wilbur Rd Ste 101, Thousand Oaks, CA, 91360. 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 Thousand Oaks, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Thousand Oaks, 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: April 6, 2026
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As Low As; Up to 60 months
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As Low As; Maximum term 48 months; Up to $10,000
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As Low As; Rate reflects a .50% discount for Automatic Payment.
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
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As Low As; $3,000.00
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As Low As; Maximum Loan Amount: $125,000
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Fixed rates
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As Low As; (Fixed); Must use a State-Approved Contractor
$50,000; As Low As
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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$2,500; As Low As
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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.
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Borrow up to $5,000
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 24 months
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$5,000 for Individuals / $10,000 for Churches
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As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
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As Low As; 5-Year fixed rate
30-Year Rates As Low As; Primary Residence
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 60 months
As Low As; (Fixed)
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As Low As; Rates as low as 5.625% (6.508% APR)
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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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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Approximate Term: Up to 72 months
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Approximate Term: Up to 84 months
Solar loans will have a UCC Filing attached to them.
New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
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Up to $50,000
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.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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$10,000; As Low As
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over $250,000; As Low As; 5 year adjustable - starting at
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$20,000; As Low As
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Up to $50,000
up to $250,000; As Low As; 10 year fixed
$500 - $2,000
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$10,000; As Low As
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Personal Loan
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Up to $50,000
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As Low As; Maximum Loan Amount: $125,000
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Contact Credit Union for qualifying terms and individual rates
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Payable directly to the IRS
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(Fixed)
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Limited-Time Offer
As Low As; Up to 60 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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Personal Loan
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As Low As; $30,000 maximum - consolidate your high rate loans
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Contact Credit Union for qualifying terms and individual rates
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Thousand Oaks, CA Personal Loan Rate Trends
Compare local Thousand Oaks, 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 1.172 points over the past 7 days to 11.983% APR.
California signature loan rates currently average 11.496% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in California?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in California?
Are credit unions or banks better for personal loans in Thousand Oaks, California?
What are the best personal loan rates in Thousand Oaks, California?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- Premier America Credit Union: 9.24% (Personal Loans)
- Kinecta Federal Credit Union: 9.74% (Loan)
- Ventura County Credit Union: 10.70% (Signature Loan)
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
Personal Loan Calculators
