The MFP’s Community Personal Loan Lender Survey gathers California borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from California’s Personal Loan Borrowers >>
California Best Personal Loan Lenders
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Online.
Los Angeles Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Los Angeles’s area are Logix Federal Credit Union, Wescom Credit Union and Kinecta Federal Credit Union.
- Logix Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Los Angeles-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Wescom Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Kinecta Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Logix Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Wescom Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Kinecta Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| California Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| First Entertainment Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| City National Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| East West Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| Banc of California | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Citibank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
San Diego Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in San Diego’s area are Mission Federal Credit Union, San Diego County Credit Union and California Coast Credit Union.
- Mission Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful San Diego-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- San Diego County Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- California Coast Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mission Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| San Diego County Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| California Coast Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| USE Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Wheelhouse Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Navy Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Banner Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| California Bank & Trust | Bank | 4.5 | 4.4 | 4.5 | 89% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Chase Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bank of America | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Citibank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| PNC Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
San Jose Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in San Jose’s area are Tech Credit Union, Meriwest Credit Union and Provident Credit Union.
- Tech Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful San Jose-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Meriwest Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Provident Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Tech Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Meriwest Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Provident Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Patelco Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Star One Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| KeyPoint Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Excite Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Bank of the West | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Citibank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
San Francisco Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in San Francisco’s area are Patelco Credit Union, Provident Credit Union and San Francisco Federal Credit Union.
- Patelco Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful San Francisco-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Provident Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- San Francisco Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Patelco Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Provident Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| San Francisco Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Golden 1 Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Redwood Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| First Republic Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of the West | Bank | 4.4 | 4.4 | 4.5 | 88% |
| East West Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Citibank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| PNC Bank | Bank | 4.0 | 3.9 | 4.0 | 79% |
Fresno Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Fresno’s area are Educational Employees Credit Union, Noble Credit Union and Golden 1 Credit Union.
- Educational Employees Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Fresno-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Noble Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Golden 1 Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Educational Employees Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Noble Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Golden 1 Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Valley First Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Central Valley Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Fresno First Bank | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| Westamerica Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of the Sierra | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Citizens Business Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Citibank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Sacramento Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Sacramento’s area are Golden 1 Credit Union, SAFE Credit Union and Patelco Credit Union.
- Golden 1 Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Sacramento-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SAFE Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Patelco Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Golden 1 Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SAFE Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Patelco Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| First U.S. Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| River City Bank | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| Five Star Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Westamerica Bank | Bank | 4.5 | 4.4 | 4.5 | 89% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Chase Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bank of America | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Citibank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| PNC Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Long Beach Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Long Beach’s area are LBS Financial Credit Union, SchoolsFirst Federal Credit Union and Southland Credit Union.
- LBS Financial Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Long Beach-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SchoolsFirst Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Southland Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| LBS Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Southland Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Kinecta Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Farmers & Merchants Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Banc of California | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Oakland Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Oakland’s area are Patelco Credit Union, Provident Credit Union and Golden 1 Credit Union.
- Patelco Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Oakland-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Provident Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Golden 1 Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Patelco Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Provident Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Golden 1 Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Redwood Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Mechanics Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bank of the West | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
Bakersfield Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bakersfield’s area are Valley Strong Credit Union, Golden 1 Credit Union and Mission Bank.
- Valley Strong Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Bakersfield-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Golden 1 Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mission Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Valley Strong Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Golden 1 Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Mission Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Valley Republic Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bank of the Sierra | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Westamerica Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Anaheim Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Anaheim’s area are SchoolsFirst Federal Credit Union, Orange County’s Credit Union and Credit Union of Southern California.
- SchoolsFirst Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Anaheim-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Orange County’s Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Credit Union of Southern California ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SchoolsFirst Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Orange County’s Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Credit Union of Southern California | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Kinecta Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Farmers & Merchants Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Banc of California | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.1 | 80% |
Santa Ana Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Santa Ana’s area are Orange County’s Credit Union, SchoolsFirst Federal Credit Union and Credit Union of Southern California.
- Orange County’s Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Santa Ana-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SchoolsFirst Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Credit Union of Southern California ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Orange County’s Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Credit Union of Southern California | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Kinecta Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Farmers & Merchants Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Banc of California | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Riverside Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Riverside’s area are Altura Credit Union, Arrowhead Credit Union and SchoolsFirst Federal Credit Union.
- Altura Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Riverside-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Arrowhead Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- SchoolsFirst Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Altura Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Arrowhead Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Credit Union of Southern California | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Citizens Business Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bank of America | Bank | 4.1 | 4.1 | 4.2 | 82% |
California Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in California’s area are SchoolsFirst Federal Credit Union, Golden 1 Credit Union and Patelco Credit Union.
- SchoolsFirst Federal Credit Union ranks highest with a 97% Recommend score, 4.8 Easy Application, 4.9 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to low-cost loan options, simple online access, and strong help throughout the borrowing process.
- Golden 1 Credit Union ranks second with a 96% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight competitive terms, no unnecessary fees, and a convenient online borrowing process.
- Patelco Credit Union ranks third with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to easy rate checking, clear loan options, and helpful service during the application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| SchoolsFirst Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 97% |
| Golden 1 Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 96% |
| Patelco Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 94% |
| Wescom Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 93% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 92% |
| California Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| Logix Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Redwood Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |
| LendingClub | Bank | 4.5 | 4.5 | 4.5 | 86% |
| Mission Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Upgrade | Online | 4.5 | 4.3 | 4.4 | 84% |
| California Coast Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 83% |