Best Personal Loan Rates in Washington, California (CA) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Washington, California include: KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Credit Mender Loan at 3.99% APR, USC Credit UnionUSC Credit UnionA+5.0 ★Texas Ratio: 5.87% offering GoGreen Loan at 3.99% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Matadors Community Credit UnionMatadors Community Credit UnionA+5.0 ★Texas Ratio: 1.28% offering Solar Loans at 4.74% APR, and 1st Northern California Credit Union1st Northern California Credit UnionA+5.0 ★Texas Ratio: 0.24% offering Title Loans at 4.74% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Washington borrowers have access to 62 lenders serving the California area, with personal loan rates as low as 3.99% APR from KeyPoint Credit Union. 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 Washington, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Washington, California. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 2, 2026
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As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
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$3,000 Max
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$50,000; As Low As
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As Low As; 13.99%
As Low As; Competitive Low Rates - Rates start as low as 5.69% APR, giving you more spending power for your trip.
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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.
Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
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30-Year Rates As Low As
Approximate Term: Up to 60 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; 15.50%
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Rates starting at 6.53% APR1
As Low As; 14.99%
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Approximate Term: Up to 72 months
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Approximate Term: Up to 84 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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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.
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As Low As; 16.99%
up to $250,000; No prepayment penalties; Personal guarantees may be waived
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FICO 720 and above
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Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
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As low as; Loan Type: Personal Loan
As Low As; Working on a project? Need to make a purchase? We can help!
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$10,000; As Low As
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions. Non-members must open a savings account and become a member before the solar loan is funded. Promotional rates do not apply to loan modifications of existing Star One loans.
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; $5,000 Minimum; $50,000 Maximum
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As Low As; 17.99%
As Low As; 17.45%
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Rates as low as 8.49%
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As Low As; APR as low as 8.50%
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Variable Rate
As Low As; $5,000 Minimum; $50,000 Maximum
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Qualifications Required: direct deposits from a payroll provider of $1,000 or more per month into a Value Checking account; automatic loan payments made from the same account; As Low As; Proof of income may be required depending on the applicant's credit rating and other underwriting factors.
As Low As; Financing Available: Up to $25,000
As Low As; Loan Amount $500-$40,000
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As Low As; Rates as low as 8.99% APR
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FICO 720 and above
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Maximum Loan Amount: $50,000.00; Monthly Payment: Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term)
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As low as; Loan Type: Personal Loan
As Low As; Working on a project? Need to make a purchase? We can help!
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Rates as low as 8.49%
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As Low As; APR as low as 8.50%
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As Low As; Personal Loans
As Low As; Loan Amount $500-$40,000
As Low As; Financing Available: Up to $25,000
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As Low As; Rates as low as 8.99% APR
Rates starting at 6.53% APR1
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As Low As; $30,000 maximum - consolidate your high rate loans
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As Low As; 15.50%
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As Low As; 16.99%
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As Low As; 17.99%
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Washington, CA Personal Loan Rate Trends
Compare local Washington, 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 0.227 points over the past 7 days to 9.853% APR.
California signature loan rates fell 0.437 points over the past 7 days to 10.885% 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 Washington, California?
What are the best personal loan rates in Washington, California?
- KeyPoint Credit Union: 3.99% (Credit Mender Loan)
- USC Credit Union: 3.99% (GoGreen Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Matadors Community Credit Union: 4.74% (Solar Loans)
- 1st Northern California Credit Union: 4.74% (Title Loans)
Personal Loan Calculators
