Best Direct Lenders California of February 2024

ElitePersonalFinance
Last Update: September 25, 2023 Personal Loans by States and Cities

Direct lenders in California are an excellent option for anyone looking to get a loan quickly and without hassle. Online lenders, banks, credit unions, and loan apps offer legit direct lender loans in California.

Even if you have bad credit, there are still plenty of great loan options in California. However, beware that some bad credit direct lenders can be payday. We strongly discourage high-interest payday loans. Payday loans have APRs averaging 400% and have a high risk of default. Payday loans are predatory and leave you in a debt cycle.

When looking for the best direct lenders in California, it’s essential to research the terms and conditions of each option. Look out for high-interest rates, prepayment fees, origination fees, and other hidden charges. Ensure you understand all the costs of taking out a loan before signing any paperwork.

Most direct lenders in California offer loans of up to $100,000 and APR rates ranging from 5.99% to 35.99%, depending on your credit score and the type of loan you’re applying for. In addition, many lenders offer competitive rates, fees, and flexible repayment options.

Here are the best direct lenders in California in February 2024.

Our Marketplace

We are the most prominent financial platform in the United States. ElitePersonalFinance’s marketplace has over 300 lenders and banks. We have developed an advanced technology to allow users to compare the rates and terms offered by direct lenders in California. We aim to find the best loan for you, with the best APR rate, lowest fees, and flexible repayment terms.

Applying for a loan with ElitePersonalFinance is fast and easy. You can apply online in a few minutes, and you’ll get an instant decision on your loan application. We also have a team of expert advisors to help guide you through the process.

Whether you’re looking for a personal loan, mortgage, auto loan, or business loan in California, ElitePersonalFinance is the best place to start. We have the best direct lenders in California, and our powerful comparison tool will help you find the loan that fits your needs.

Why Trust ElitePersonalFinance Guides?

We are the leading financial platform in the United States and have been helping people find the best lenders since 2016. Our team of experts comprises experienced financial advisors with years of experience assisting customers to get loans with the best APR rates, lowest fees, and most flexible repayment plans.

We scrutinize over 100 lenders to help you find the best deal. Our loan comparison tool allows you to compare up to 50 lenders with a straightforward search.

We have spent years developing our technology and expertise, so you can trust that you’re getting the best advice and guidance when looking for direct lenders in California. In addition, we are committed to helping you find the right loan for your financial situation.

Best Direct Lenders in California February 2024: Key Findings

The best direct lenders in California offer loans between $500 and $100,000. Most lenders have APR rates ranging from 5.99% to 35.99%, depending on your credit score and the type of loan you’re applying for.

In addition, the best direct lenders in California include online lenders, banks, credit unions, and apps. Depending on your financial needs and credit score, one of these lenders could be the right fit.

In addition, the best direct lenders in 2024 require minimum credit scores ranging from 0 to 760. Many lenders also offer competitive fees, flexible repayment options, and online applications with instant decisions.

The best direct lenders in California offer repayment terms ranging from 6 months to 144 months, meaning you can find a loan with a repayment period that works for you.

Best Direct Lenders in California of February 2024

Lender:Loan Amount:APR:TermMin. Credit Score:Best For:Type
LightStream$5,000 – $100,0002.49% – 19.99%24 – 144 Months660Strong credit profilesGood Credit Online Lender
Laurel Road$5,000 – $45,0007.00% – 24.75%24 – 60 Months660 – 700Debt consolidationGood credit online lender
OneMain Financial$3,000 – $36,50018.00% – 35.99%24 – 60 Months0Low credit scoresBad credit online lender
BMG Money$500 – $10,00016% – 36%6 – 36 months0BMGMoney’s partner employeesBad credit online lender
EarninUp to $5000%Your next paycheck0Cash advancesLoan App
PNC Bank$1,000 – $35,0005.99% – 35.99%6 – 60 Months660Online and in-person serviceBank
Well’s Fargo$3,000 – $100,0005.74% – 19.99%12 – 84 Months660Wells Fargo customersBank
Golden 1 Credit Union$250 – $30,000From as low as 7.24%Up to 60 MonthsNot disclosedBorrowers with fair creditCredit Union

LightStream