Best Personal Loan RatesCalifornia Personal Loans for your debt consolidation

Compare loan providers to find the best loan for your debt consolidation.

(Last Updated: 07/14/2025)

Bank / Institution	APR	Loan Term	Max Loan	Contact details
Lending Club Lending Club Description: Borrow up to $35,000 with rates starting from 5.99% APR Receive your money in as few as 5 days Fast, easy online application Make fixed monthly payments	8.98% - 35.99% APR	36 - 60 Months	$40,000 Max Loan	View Details
lendingpoint lendingpoint Description: Personal loans from $3,500 to $36,500 and rates from 9.99% to 35.99% APR with no prepayment penalties Check your rate for free without impacting your credit score Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved LendingPoint's customer success representatives are available online or by phone 24/7	7.99% - 35.99% APR	24 - 72 Months	$36,500 Max Loan	View Details
Upgrade Upgrade Description: Affordable loans from $1,000 to $35,000 with low fixed rates from 5.96% to 35.97% APR* Fast funding Money sent to your bank account within 1 day of clearing necessary verifications** No obligation and no impact to your credit score when you check your rate Fixed rate that will never increase	7.99% - 35.99% APR	36 - 60 Months	$50,000 Max Loan	View Details
Prosper Prosper Description: Innovative peer-to-peer loans trusted by 250,000+ No teaser rates/hidden fees - 8.99% APR+ Get up to $35,000 with 5 years to pay it back 650+ Credit Score Required	6.99% - 35.99% APR	24 - 60 Months	$50,000 Max Loan	View Details
Bestegg Bestegg Description: Get a personal loan up to $35,000 with a fixed APR from 5.99% to 29.99% Get money in as little as one business day, upon approval and verification Join more than 450,000 customers at a trusted company with an A+ BBB rating Use it for almost anything: consolidate debt or other unexpected expenses	8.99% - 35.99% APR	36 - 60 Months	$50,000 Max Loan	View Details
Achieve Personal Loans Achieve Personal Loans Description: Competitive rates and loan amounts up to $50,000 24-hour approvals and access to cash in 48 hours** No prepayment penalties, no hidden fees, and no collateral required A dedicated team of specialists who find the best offer for you	6.99% - 35.99% APR	24 - 60 Months	$50,000 Max Loan	View Details
Happy Money Happy Money Description: With a Happy Money Loan, you, like other Happy Money Members, could raise your credit score by 40 points* You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 8% and 25% APR You WON'T pay any prepayment penalties, application fees, late fees or hidden fees. Because no one wants to do that Loans for refinancing credit card debt from $5,000 to $35,000	7.99% - 29.99% APR	24 - 60 Months	$35,000 Max Loan	View Details
SoFi SoFi Description: Huge flexibility - Loans between $5k - 100k Fixed rates starting at 8.99 % with all discounts 3, 5, 7 year repayment terms No Fees Required and No Origination Fees Required	8.99% - 25.81% APR	36 - 72 Months	$99,999 Max Loan	View Details
Springleaf - Personal Loans Springleaf - Personal Loans Description: Personal loans typically from $1,500-$25,000 with APRs from 25.10% - 35.99% Flexible. Terms that fit your needs and no pre-payment fees Fast. Loan decisions as quickly as 1 hour Convenient. Apply online, by phone or at your local branch	18.00% - 35.99% APR	24 - 60 Months	$20,000 Max Loan	View Details
Avant Avant Description: Avant provides access to personal loans from $2,000 to $35,000, terms from 24 to 60 months, and APRs from 9.95% to 35.99%* which include a 4.75% administration fee The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors Checking your rate does not affect your credit score Funding as soon as the next business day if application is approved by 4:30pm CT Monday-Friday	9.95% - 35.99% APR	24 - 60 Months	$35,000 Max Loan	View Details

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Personal Loans don't require collateral and are based in large part on a borrower's ability to repay. They are more likely to be negotiable than a credit card and usually have a fixed term of one to five years.

Convenience and liquidity. If you have immediate short term cash needs and have most of your money fully invested, it could make sense to avoid cashing in any investment accounts, potentially paying taxes and penalties in doing so, and simply utilizing a line of credit. This also assumes that the cash you have fully invested will return a higher rate to you than the rate you would be paying out on the line of credit. (more here)

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