5 top-rated personal loan lenders available in California. Compare APR, loan amounts, and funding speed.
APR 7.99–25.99%. Up to $100K. Same-day funding.
APR 7.99–24.99%. $2.5K–$40K. No origination fee.
APR 6.40–35.99%. $1K–$50K. AI-driven approvals.
APR 8.99–36.00%. $1K–$40K. Joint applications available.
SoFi Personal Loan is a top-rated personal loan lender. Most online lenders offer loans to residents of California without requiring local branches.
Most personal loan lenders in California prefer a credit score of 600+ for approval, with the best rates (under 10% APR) typically requiring 720+. Some lenders offer loans for fair credit (580–669) at higher rates. A debt-to-income ratio under 40% also improves approval odds.
Personal loan amounts for California residents typically range from $1,000 to $100,000 depending on the lender, your income, and credit history. Most lenders fund within 1-5 business days after approval. Use funds for debt consolidation, home improvement, medical bills, or other personal expenses.
Rates depend on creditworthiness · Approval not guaranteed · Q1 2026 · For comparison purposes only