California Personal Loans
Compare personal loan rates from lenders serving California (CA). Find the best rates and terms for your needs.
Personal Loans in California
California caps rates at 36% for loans between $2,500 and $10,000. For larger loans, rates are negotiable. The DFPI actively regulates consumer lending.
Max APR
36%
Avg. Loan
$15,000
Regulated By
California Department of Financial Protection and Innovation
Popular Loan Purposes in California
Top Lenders in California
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
California Loan FAQs
California has a maximum APR of 36% for consumer loans. California caps rates at 36% for loans between $2,500 and $10,000. For larger loans, rates are negotiable. The DFPI actively regulates consumer lending.
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