Loans By State

Best Loans in California, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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In the Golden State, non-bank lenders made $347.2 billion in loans in 2017. Nearly 50% ranged between $2,500 and $10,000 and carried an APR of 100% or more.

Focus on that $2,500 figure.

The California Finance Lenders Law allows companies to charge whatever interest rate they want on installment loans of at least $2,500. Because of this, many California borrowers receive very high APRs and end up falling into a vicious debt trap. And what about payday loans? They’re legal in California. But, because they’re not installment loans, state law allows a maximum APR of 460% and limits borrowing amounts to $300.

With such a wide range of lending regulations, finding a reliable loan in California with an affordable APR is more difficult than ever. But don’t worry! We conducted the research so you don’t have to! We’ll show you where to find the best loans in California – regardless of your credit score.

Now, if you have really bad credit, you’ll likely qualify for an APR of 20% or more. But, because personal loan providers in California cap their APRs at 35.99%, their options are reasonable. If you’re forced to settle for an alternative payday loan, APRs can reach triple-digits, but most lenders cap their APRs at 200%.

Best Bad Credit Loans in California 2020

California state law requires lenders to cap installment loan interest rates at roughly 30% for all amounts below $2,500. For loans of $2,500 or more, lenders can charge any rate they prefer. For car title loans – which require you to put up your car as collateral – the law requires a minimum loan amount of $2,500. Any amount below $2,500 is prohibited. As well, interest rates are capped at 36%, as long as the loan doesn’t exceed $4,999.

Here are the best personal loans that we recommend for bad credit. Try them and they will help you avoid payday loan APR of 400%.

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in California

Not a direct lender

Amount

$100 - $2,500

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 36 Months

Licensed in California

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in California

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in California

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in California

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in California

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in California

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in California

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in California

Yes

If you have problem with getting a loan, please read our complete guide on bad credit loans.

When you opt for a good credit loan, products are usually in compliance with California law. Nearly all of the lenders on our list are licensed through the California Department of Business Oversight (DBO).

Best Personal Loans for Good Credit in California 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in California

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in California

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in California

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in California

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in California

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in California

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in California

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in California

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in California

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in California

Yes

To find the best loan in California – regardless of your credit score – check out our list of recommended lenders.

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Payday Loan Laws in California 2020

Maximum Loan Amount: $300

Minimum Loan Term: Not specified

Maximum Loan Term: 31 days

Maximum Fee: 15% of the loan or $45

Maximum APR: 460%

Rollovers: Prohibited

Loan Limit: You can only have one payday loan at a time

Like we mentioned above, payday loans are legal in California. Loans are capped at $300, but because payday loans are not installment loans, lenders are allowed to levy APRs upwards of 460%.

So what other state laws must payday lenders abide by?

Well, they need to monitor your credit history because borrowers are only allowed one payday loan at a time. As well, financing charges cannot exceed $45 or 15% of the face value of the loan. Regulators also prevent payday debt traps by banning rollovers. If you fall behind on your payment or can’t repay the loan, the lender can’t force you to refinance. Payday lenders are also not allowed to charge prepayment fees, but they can charge a $15 non-sufficient funds fee if your checking account balance is short.

Non-sufficient funds fees are major headache for borrowers. Not only will the payday lender charge you the fee, but your bank will also hit you with an overdraft fee. The Consumer Financial Protection Bureau (CFPB) found that 20,000 bank account holders who took out payday loans ended up paying an average of $97 in overdraft and non-sufficient funds fees. The amount is almost three times the $34 incurred by the average American.

Starting in July, 2019, California state law will also require ‘full-payment tests’. Here, lenders need to reasonably assess a borrower’s ability to pay before offering a payday loan. This includes assessing a borrower’s income and living expenses. The law will also require a ‘debit account cut-off’. Because payday lenders are extremely aggressive at trying to recoup their funds, the new law limits lenders to two debits of your checking account. After that, the lender needs your permission to proceed.

Remember, at their core, payday loans are extremely predatory. That’s why we don’t recommend them. Across all states, APRs average 400%, and states that do allow rollovers see borrowers to fall into terrible cycles of debt. Interest charges end up accumulating so quickly that a $1,000 payday loan ends up costing in excess of $3,000. Trust us, payday loans do more harm than good. And if you stick to the companies above, you finances will be better off.

The Problem with Payday Loans

Because California prohibits payday loan rollovers, borrowers are less likely to fall into a debt cycle. And because it’s illegal to take out multiple payday loans at once, you decrease your risk even further.

Despite all of that that, we still don’t recommend payday loans. They’re extremely expensive and today’s lending market offers much better alternatives.

According to a recent study by the DBO:

  • Payday loans in California have an average APR of 372%.
  • The average amount borrowed is $251.
  • It takes an average of 17 days to repay the funds.
  • The average borrower takes out 6.4 payday loans per year.
  • Senior citizens are the primary users of payday loans.
  • To avoid class action lawsuits, 28% of payday lenders put legal clauses in their contracts.

If you come across an unlicensed payday lender or one who’s practices don’t comply with California state law, you can file a complaint through the DBO. Submitting the complaint online ensures faster processing, however, you can also download the form and mail it to them directly. A second option is to file a complaint through the CFPB. The entire process is done online and most complaints receive a response within 15 days.

What if I Don’t Qualify for a Loan?

If you’ve exhausted all of your resources and still can’t obtain a loan, today’s digital economy offers ways to supplement your income and get you through the rough patch. You can moonlight as an Uber driver, spend an afternoon taking paid surveys or find online work through one of several freelancing websites. For tips on the best free and easy ways to make money, see our detailed guide.

How to Spot a Crooked Payday Lender?

To determine whether or not a payday lender is legit, look out for these warnings signs:

  • If the lender doesn’t display its state license and list all fees at its location, the company is likely operating illegally.
  • If the lender offers rollovers, it’s operating illegally. California state law does not allow rollovers.
  • If the lenders asks you to sign a contract in a different language, it’s illegal. In California, lenders are required to write up contracts in the language the borrower speaks fluently.
  • If the lenders offers loans in excess of $300 or the APR exceeds 460%, it’s operating illegally.
  • If the lender offers you several payday loans at once, it’s operating illegally. California state law limits borrowers to one payday loan at a time.

For further information, you can contact the California Department of Business Oversight (DBO) – at 1-866-275-2677 – and make sure the lender is registered in the state. You can also visit the DBO.

Payday Loan Laws in California by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of California.

We haven’t found a significant difference between the payday loan laws in California. All loan laws remain the same in California.

City Amount Allowed APR Allowed Status
Los Angeles $300 460% Legal
San Diego $300 460% Legal
San Jose $300 460% Legal
San Francisco $300 460% Legal
Fresno $300 460% Legal
Sacramento $300 460% Legal
Long Beach $300 460% Legal
Oakland $300 460% Legal
Bakersfield $300 460% Legal
Anaheim $300 460% Legal
Santa Ana $300 460% Legal
Riverside $300 460% Legal
Stockton $300 460% Legal
Chula Vista $300 460% Legal
Irvine $300 460% Legal
Fremont $300 460% Legal
San Bernardino $300 460% Legal
Modesto $300 460% Legal
Santa Clarita $300 460% Legal
Fontana $300 460% Legal
Oxnard $300 460% Legal
Moreno Valley $300 460% Legal
Huntington Beach $300 460% Legal
Glendale $300 460% Legal
Santa Rosa $300 460% Legal
Rancho Cucamonga $300 460% Legal
Oceanside $300 460% Legal
Garden Grove $300 460% Legal
Ontario $300 460% Legal
Elk Grove $300 460% Legal
Corona $300 460% Legal
Lancaster $300 460% Legal
Hayward $300 460% Legal
Palmdale $300 460% Legal
Salinas $300 460% Legal
Pomona $300 460% Legal
Sunnyvale $300 460% Legal
Escondido $300 460% Legal
Torrance $300 460% Legal
Pasadena $300 460% Legal
Orange $300 460% Legal
Fullerton $300 460% Legal
Roseville $300 460% Legal
Visalia $300 460% Legal
Concord $300 460% Legal
Thousand Oaks $300 460% Legal
Santa Clara $300 460% Legal
Simi Valley $300 460% Legal
Victorville $300 460% Legal
Vallejo $300 460% Legal
Berkeley $300 460% Legal
East Los Angeles $300 460% Legal
El Monte $300 460% Legal
Fairfield $300 460% Legal
Carlsbad $300 460% Legal
Costa Mesa $300 460% Legal
Downey $300 460% Legal
Temecula $300 460% Legal
Murrieta $300 460% Legal
Antioch $300 460% Legal
Inglewood $300 460% Legal
San Buenaventura (Ventura) $300 460% Legal
Richmond $300 460% Legal
West Covina $300 460% Legal
Clovis $300 460% Legal
Daly City $300 460% Legal
Norwalk $300 460% Legal
Santa Maria $300 460% Legal
Burbank city $300 460% Legal
San Mateo $300 460% Legal
Jurupa Valley $300 460% Legal
El Cajon $300 460% Legal
Rialto $300 460% Legal
Arden-Arcade $300 460% Legal
Vista $300 460% Legal
Vacaville $300 460% Legal
Compton $300 460% Legal
Mission Viejo $300 460% Legal
South Gate $300 460% Legal
San Marcos $300 460% Legal
Hesperia $300 460% Legal
Carson $300 460% Legal
Santa Monica $300 460% Legal
Chico $300 460% Legal
Westminster $300 460% Legal
Redding $300 460% Legal
Santa Barbara $300 460% Legal
San Leandro $300 460% Legal
Livermore $300 460% Legal
Tracy $300 460% Legal
Menifee $300 460% Legal
Indio $300 460% Legal
Chino $300 460% Legal
Hawthorne $300 460% Legal
Citrus Heights $300 460% Legal
Whittier $300 460% Legal
Newport Beach $300 460% Legal
Redwood City $300 460% Legal
Alhambra $300 460% Legal
Hemet $300 460% Legal
Lake Forest $300 460% Legal
Buena Park $300 460% Legal
Merced $300 460% Legal
Mountain View city $300 460% Legal
Pleasanton $300 460% Legal
Lakewood $300 460% Legal
Tustin $300 460% Legal
Napa $300 460% Legal
Chino Hills $300 460% Legal
Alameda $300 460% Legal
Bellflower $300 460% Legal
Milpitas $300 460% Legal
Manteca $300 460% Legal
Folsom $300 460% Legal
Upland $300 460% Legal
Perris $300 460% Legal
Baldwin Park $300 460% Legal
San Ramon $300 460% Legal
Union City $300 460% Legal
Apple Valley $300 460% Legal
Turlock $300 460% Legal
Rancho Cordova $300 460% Legal
Lynwood $300 460% Legal
Redlands $300 460% Legal
Pittsburg $300 460% Legal
Walnut Creek $300 460% Legal
Davis $300 460% Legal
Yorba Linda $300 460% Legal
Redondo Beach $300 460% Legal
Camarillo $300 460% Legal
South San Francisco $300 460% Legal
Palo Alto $300 460% Legal
Yuba City $300 460% Legal
Laguna Niguel $300 460% Legal
San Clemente $300 460% Legal
Lodi $300 460% Legal
Carmichael $300 460% Legal
Madera $300 460% Legal
Santa Cruz $300 460% Legal
Florence-Graham $300 460% Legal
Lake Elsinore $300 460% Legal
Pico Rivera $300 460% Legal
Castro Valley $300 460% Legal
Rocklin $300 460% Legal
Montebello $300 460% Legal
Tulare $300 460% Legal
Encinitas $300 460% Legal
La Habra $300 460% Legal
Eastvale $300 460% Legal
National City $300 460% Legal
Monterey Park $300 460% Legal
Petaluma $300 460% Legal
Cupertino $300 460% Legal
Brentwood $300 460% Legal
South Whittier $300 460% Legal
Gardena $300 460% Legal
Porterville $300 460% Legal
La Mesa $300 460% Legal
Dublin $300 460% Legal
Woodland $300 460% Legal
San Rafael $300 460% Legal
Huntington Park $300 460% Legal
Arcadia $300 460% Legal
Santee $300 460% Legal
Diamond Bar $300 460% Legal
Fountain Valley $300 460% Legal
Hanford $300 460% Legal
Gilroy $300 460% Legal
Novato $300 460% Legal
Hacienda Heights $300 460% Legal
Highland $300 460% Legal
Paramount $300 460% Legal
Rosemead $300 460% Legal
Colton $300 460% Legal
Cathedral City $300 460% Legal
Watsonville $300 460% Legal
Yucaipa $300 460% Legal
West Sacramento $300 460% Legal
Delano $300 460% Legal
Palm Desert $300 460% Legal
Placentia $300 460% Legal
Glendora $300 460% Legal
Aliso Viejo $300 460% Legal
Rowland Heights $300 460% Legal
Cerritos $300 460% Legal
Poway $300 460% Legal
Azusa $300 460% Legal
Florin $300 460% Legal
La Mirada $300 460% Legal
North Highlands $300 460% Legal
Cypress $300 460% Legal
Rancho Santa Margarita $300 460% Legal
Covina $300 460% Legal
Ceres $300 460% Legal
Palm Springs $300 460% Legal
San Jacinto $300 460% Legal
Antelope $300 460% Legal
San Luis Obispo $300 460% Legal
Lincoln $300 460% Legal
Newark $300 460% Legal
El Dorado Hills $300 460% Legal
Beaumont $300 460% Legal
Altadena $300 460% Legal
Coachella $300 460% Legal
Danville $300 460% Legal
El Centro $300 460% Legal
Morgan Hill $300 460% Legal
Lompoc $300 460% Legal
San Bruno $300 460% Legal
Rohnert Park $300 460% Legal
Bell Gardens $300 460% Legal
Campbell $300 460% Legal
Brea $300 460% Legal
Rancho Palos Verdes $300 460% Legal
La Quinta $300 460% Legal
Oakley $300 460% Legal
La Puente $300 460% Legal
San Gabriel $300 460% Legal
Calexico $300 460% Legal
Culver City $300 460% Legal
Pacifica $300 460% Legal
Montclair $300 460% Legal
Stanton $300 460% Legal
Los Banos $300 460% Legal
Martinez $300 460% Legal
Hollister $300 460% Legal
La Presa $300 460% Legal
Monrovia $300 460% Legal
West Hollywood $300 460% Legal
Moorpark $300 460% Legal
Wildomar $300 460% Legal
Temple City $300 460% Legal
Claremont $300 460% Legal
San Juan Capistrano $300 460% Legal
Bell $300 460% Legal
Manhattan Beach $300 460% Legal
Pleasant Hill $300 460% Legal
Orangevale $300 460% Legal
Oildale $300 460% Legal
Beverly Hills $300 460% Legal
San Dimas $300 460% Legal
Seaside $300 460% Legal
Dana Point $300 460% Legal
Menlo Park $300 460% Legal
French Valley $300 460% Legal
Foster City $300 460% Legal
Foothill Farms $300 460% Legal
Westmont $300 460% Legal
Adelanto $300 460% Legal
Fallbrook $300 460% Legal
Lawndale $300 460% Legal
La Verne $300 460% Legal
El Paso de Robles (Paso Robles) $300 460% Legal
Spring Valley CDP $300 460% Legal
Laguna Hills $300 460% Legal
Fair Oaks $300 460% Legal
Banning $300 460% Legal
Los Gatos $300 460% Legal
Saratoga $300 460% Legal
San Pablo $300 460% Legal
Goleta $300 460% Legal
Los Altos $300 460% Legal
Orcutt $300 460% Legal
Burlingame $300 460% Legal
Ladera Ranch $300 460% Legal
Santa Paula $300 460% Legal
San Carlos $300 460% Legal
Atascadero $300 460% Legal
Walnut $300 460% Legal
East Palo Alto $300 460% Legal
Suisun City $300 460% Legal
Atwater $300 460% Legal
Ridgecrest $300 460% Legal
Monterey $300 460% Legal
Desert Hot Springs $300 460% Legal
Vineyard $300 460% Legal
Benicia $300 460% Legal
Isla Vista $300 460% Legal
Maywood $300 460% Legal
Windsor $300 460% Legal
Imperial Beach $300 460% Legal
West Whittier-Los Nietos $300 460% Legal
Belmont $300 460% Legal
Eureka $300 460% Legal
Lemon Grove $300 460% Legal
Temescal Valley $300 460% Legal
Wasco $300 460% Legal
Norco $300 460% Legal
Paradise town $300 460% Legal
Twentynine Palms $300 460% Legal
Lafayette $300 460% Legal
Brawley $300 460% Legal
South Pasadena $300 460% Legal
Lemoore $300 460% Legal
Galt $300 460% Legal
Soledad $300 460% Legal
Reedley $300 460% Legal
San Lorenzo $300 460% Legal
Hercules $300 460% Legal
Valinda $300 460% Legal
El Cerrito city $300 460% Legal
Bay Point $300 460% Legal
Sanger $300 460% Legal
North Tustin $300 460% Legal
Selma $300 460% Legal
San Fernando $300 460% Legal
Seal Beach $300 460% Legal
Riverbank $300 460% Legal
Loma Linda $300 460% Legal
Calabasas $300 460% Legal
Cudahy $300 460% Legal
Dinuba $300 460% Legal
Barstow $300 460% Legal
Ashland $300 460% Legal
West Puente Valley $300 460% Legal
Coronado $300 460% Legal
Rosemont $300 460% Legal
Laguna Beach $300 460% Legal
Winter Gardens $300 460% Legal
West Rancho Dominguez $300 460% Legal
Millbrae $300 460% Legal
Oakdale $300 460% Legal
Lakeside $300 460% Legal
West Carson $300 460% Legal
Granite Bay $300 460% Legal
Willowbrook $300 460% Legal
Corcoran $300 460% Legal
Port Hueneme $300 460% Legal
South Lake Tahoe $300 460% Legal
Patterson and Bloomington $300 460% Legal
Duarte $300 460% Legal
Marina $300 460% Legal
Yucca Valley $300 460% Legal
Lathrop $300 460% Legal
Lennox $300 460% Legal
Rancho San Diego $300 460% Legal
Arvin $300 460% Legal
South El Monte $300 460% Legal
East Hemet $300 460% Legal
Agoura Hills $300 460% Legal
Lomita $300 460% Legal
South San Jose Hills $300 460% Legal
La Cañada Flintridge $300 460% Legal
American Canyon $300 460% Legal
Ramona $300 460% Legal
Rosamond $300 460% Legal
Mead Valley $300 460% Legal
Cameron Park $300 460% Legal
Dixon $300 460% Legal
Albany $300 460% Legal
Hermosa Beach $300 460% Legal
Casa de Oro-Mount Helix $300 460% Legal
Prunedale $300 460% Legal
Blythe $300 460% Legal
La Crescenta-Montrose $300 460% Legal
Orinda $300 460% Legal
Stevenson Ranch $300 460% Legal
Linda $300 460% Legal
Pinole $300 460% Legal
Oroville $300 460% Legal
Shafter $300 460% Legal
Castaic $300 460% Legal
Chowchilla $300 460% Legal
Rancho Mirage $300 460% Legal
Arcata $300 460% Legal
Arroyo Grande $300 460% Legal
Santa Fe Springs $300 460% Legal
Bostonia $300 460% Legal
Nipomo $300 460% Legal
Moraga $300 460% Legal
Live Oak $300 460% Legal
Woodcrest $300 460% Legal
Greenfield city $300 460% Legal
Imperial $300 460% Legal
Vincent $300 460% Legal
Valle Vista $300 460% Legal
El Segundo $300 460% Legal
Artesia $300 460% Legal
Rosedale $300 460% Legal
East Rancho Dominguez $300 460% Legal
McKinleyville $300 460% Legal
Coalinga $300 460% Legal
Cherryland $300 460% Legal
Truckee $300 460% Legal
Los Osos $300 460% Legal
Laguna Woods $300 460% Legal
Walnut Park $300 460% Legal
Discovery Bay $300 460% Legal
Ukiah $300 460% Legal
East San Gabriel $300 460% Legal
Avocado Heights $300 460% Legal
Parkway $300 460% Legal
La Palma $300 460% Legal
Stanford $300 460% Legal
Mountain House $300 460% Legal
Fillmore $300 460% Legal
Pacific Grove $300 460% Legal
Phelan $300 460% Legal
Rio Linda $300 460% Legal
Ripon $300 460% Legal
Clearlake $300 460% Legal
Alamo $300 460% Legal
Alpine $300 460% Legal
Lamont $300 460% Legal
Susanville $300 460% Legal
Parlier $300 460% Legal
Coto de Caza $300 460% Legal
Salida $300 460% Legal
Kerman $300 460% Legal
North Fair Oaks $300 460% Legal
McFarland $300 460% Legal
Hawaiian Gardens $300 460% Legal
Mill Valley $300 460% Legal
Red Bluff $300 460% Legal
Lemon Hill $300 460% Legal
Livingston $300 460% Legal
El Sobrante CDP $300 460% Legal
Auburn $300 460% Legal
King City $300 460% Legal
El Sobrante $300 460% Legal
Oak Park $300 460% Legal
Muscoy $300 460% Legal
North Auburn $300 460% Legal
California City $300 460% Legal
Carpinteria $300 460% Legal
Grover Beach $300 460% Legal
Palos Verdes Estates $300 460% Legal
Sun Village $300 460% Legal
Solana Beach $300 460% Legal
Bonita $300 460% Legal
Big Bear City $300 460% Legal
Olivehurst $300 460% Legal
San Marino $300 460% Legal
Lindsay $300 460% Legal
Lakeland Village $300 460% Legal
Commerce $300 460% Legal
Grass Valley $300 460% Legal
Avenal $300 460% Legal
Malibu $300 460% Legal
Tehachapi $300 460% Legal
Half Moon Bay $300 460% Legal
Magalia $300 460% Legal
San Anselmo $300 460% Legal
Grand Terrace $300 460% Legal
Larkspur $300 460% Legal
Marysville $300 460% Legal
Fortuna $300 460% Legal
Diamond Springs $300 460% Legal
Clayton $300 460% Legal
Scotts Valley $300 460% Legal
Kingsburg $300 460% Legal
Healdsburg $300 460% Legal
Alum Rock $300 460% Legal
Winton $300 460% Legal
Delhi $300 460% Legal
Emeryville $300 460% Legal
Los Alamitos $300 460% Legal
View Park-Windsor Hills $300 460% Legal
Signal Hill $300 460% Legal
Lake Los Angeles $300 460% Legal
Camp Pendleton South $300 460% Legal
Home Gardens $300 460% Legal
Hillsborough $300 460% Legal
Mendota $300 460% Legal
Piedmont $300 460% Legal
Tamalpais-Homestead Valley $300 460% Legal
Rossmoor $300 460% Legal
Newman $300 460% Legal
Canyon Lake $300 460% Legal
Sonoma $300 460% Legal
Sierra Madre $300 460% Legal
Soquel $300 460% Legal
Placerville $300 460% Legal
La Riviera $300 460% Legal
Citrus $300 460% Legal
Farmersville $300 460% Legal
Garden Acres $300 460% Legal
Morro Bay $300 460% Legal
Exeter $300 460% Legal
Rodeo $300 460% Legal
East Whittier $300 460% Legal
San Diego Country Estates $300 460% Legal
Fairview $300 460% Legal
Anderson $300 460% Legal
Quartz Hill $300 460% Legal
Shasta Lake $300 460% Legal
Capitola $300 460% Legal
Del Aire $300 460% Legal
Madera Acres $300 460% Legal
Corte Madera $300 460% Legal
Blackhawk $300 460% Legal
Mentone $300 460% Legal
Country Club $300 460% Legal
Rio del Mar $300 460% Legal
Marina del Rey $300 460% Legal
Lake Arrowhead $300 460% Legal
Charter Oak $300 460% Legal
Oak Hills $300 460% Legal
Orange Cove $300 460% Legal
Golden Hills $300 460% Legal
Crestline $300 460% Legal
Taft $300 460% Legal
Good Hope $300 460% Legal
Tiburon $300 460% Legal
Fort Irwin $300 460% Legal
Valley Center $300 460% Legal
Bonadelle Ranchos-Madera Ranchos $300 460% Legal
Larkfield-Wikiup $300 460% Legal
Waterford $300 460% Legal
Cloverdale $300 460% Legal
Earlimart $300 460% Legal
August $300 460% Legal
Calimesa $300 460% Legal
South San Gabriel $300 460% Legal
Live Oak city $300 460% Legal
Rio Vista $300 460% Legal
Montecito $300 460% Legal
West Athens $300 460% Legal
Los Altos Hills $300 460% Legal
Westlake Village $300 460% Legal
Gonzales $300 460% Legal
Midway City $300 460% Legal
Firebaugh $300 460% Legal
Rolling Hills Estates $300 460% Legal
Pismo Beach $300 460% Legal
Alondra Park $300 460% Legal
Mammoth Lakes $300 460% Legal
Templeton $300 460% Legal
Camp Pendleton North $300 460% Legal
Boyes Hot Springs $300 460% Legal
Vandenberg Village $300 460% Legal
Thousand Palms $300 460% Legal
Cherry Valley $300 460% Legal
Spring Valley Lake $300 460% Legal
Oceano $300 460% Legal
Sebastopol $300 460% Legal
Woodlake $300 460% Legal
Piñon Hills $300 460% Legal
Fairfax $300 460% Legal
Ojai $300 460% Legal
Yreka $300 460% Legal
Orland $300 460% Legal
Corning $300 460% Legal
Gold River $300 460% Legal
Escalon $300 460% Legal
Cotati $300 460% Legal
Calipatria $300 460% Legal
Topanga $300 460% Legal
Orosi $300 460% Legal
Ione $300 460% Legal
University of California-Davis $300 460% Legal
Hughson $300 460% Legal
Oroville East $300 460% Legal
Plumas Lake $300 460% Legal
Guadalupe $300 460% Legal
Homeland $300 460% Legal
Franklin CDP $300 460% Legal
Fort Bragg $300 460% Legal
Alta Sierra $300 460% Legal
South Monrovia Island $300 460% Legal
Interlaken $300 460% Legal
Atherton and Acton $300 460% Legal
Mecca $300 460% Legal
Sausalito $300 460% Legal
Winters $300 460% Legal
Ladera Heights $300 460% Legal
Ben Lomond $300 460% Legal
Lemoore Station $300 460% Legal
Rancho Calaveras $300 460% Legal
Nuevo $300 460% Legal
Huron $300 460% Legal
San Martin $300 460% Legal
Joshua Tree $300 460% Legal
Desert Palms $300 460% Legal
Kentfield $300 460% Legal
Mira Monte $300 460% Legal
Pollock Pines $300 460% Legal
Lake Mathews $300 460% Legal
Lucas Valley-Marinwood $300 460% Legal
Bermuda Dunes $300 460% Legal
Loomis $300 460% Legal
Thermalito $300 460% Legal
Castroville $300 460% Legal
Crescent City $300 460% Legal
East Porterville $300 460% Legal
Gridley $300 460% Legal
El Rio $300 460% Legal
Contra Costa Centre $300 460% Legal
Saranap $300 460% Legal
Holtville $300 460% Legal
Fowler $300 460% Legal
East Foothills $300 460% Legal
Pleasure Point $300 460% Legal
Fruitridge Pocket $300 460% Legal
Keyes $300 460% Legal
St. Helena $300 460% Legal
Hidden Valley Lake $300 460% Legal
Willows $300 460% Legal
Eucalyptus Hills $300 460% Legal
East Pasadena $300 460% Legal
Silver Lakes $300 460% Legal
Villa Park $300 460% Legal
West Modesto $300 460% Legal
Colusa $300 460% Legal
Las Flores $300 460% Legal
Durham $300 460% Legal
Hilmar-Irwin $300 460% Legal
Mayflower Village $300 460% Legal
Elverta $300 460% Legal
El Granada $300 460% Legal
Aptos $300 460% Legal
Gustine and Cutler $300 460% Legal
Strawberry $300 460% Legal
Greenacres $300 460% Legal
Solvang $300 460% Legal
Cambria $300 460% Legal
Yosemite Lakes $300 460% Legal
Twin Lakes $300 460% Legal
Salton City $300 460% Legal
Rancho Murieta $300 460% Legal
Palermo $300 460% Legal
Woodside $300 460% Legal
Old Fig Garden $300 460% Legal
El Cerrito $300 460% Legal
Bear Valley Springs $300 460% Legal
Lucerne Valley $300 460% Legal
Kensington $300 460% Legal
Tara Hills $300 460% Legal
Jamul $300 460% Legal
La Habra Heights $300 460% Legal
Bret Harte $300 460% Legal
Indian Wells $300 460% Legal
Wilton $300 460% Legal
Myrtletown $300 460% Legal
Broadmoor $300 460% Legal
Calistoga $300 460% Legal
Dos Palos $300 460% Legal
Burbank $300 460% Legal
Big Bear Lake $300 460% Legal
Williams $300 460% Legal
Lake Wildwood $300 460% Legal
Denair $300 460% Legal
Buellton $300 460% Legal
Mayfair $300 460% Legal
Garnet $300 460% Legal
Highgrove $300 460% Legal
Needles $300 460% Legal
Willits $300 460% Legal
Lake San Marcos $300 460% Legal
Lakeport $300 460% Legal
Sonora $300 460% Legal
Guerneville $300 460% Legal
Santa Venetia $300 460% Legal
Lincoln Village $300 460% Legal
Oak View $300 460% Legal
Boulder Creek $300 460% Legal
Fetters Hot Springs-Agua Caliente $300 460% Legal
Jackson $300 460% Legal
Brisbane $300 460% Legal
Heber $300 460% Legal
Emerald Lake Hills and Portola Valley $300 460% Legal
Highlands-Baywood Park $300 460% Legal
Bonsall $300 460% Legal
Sunnyside $300 460% Legal
Planada $300 460% Legal
Mather $300 460% Legal
Santa Ynez $300 460% Legal
Ford City $300 460% Legal
Pacheco $300 460% Legal
Del Mar $300 460% Legal
Copperopolis $300 460% Legal
Running Springs $300 460% Legal
Carmel Valley Village $300 460% Legal
Phoenix Lake and Wrightwood $300 460% Legal
Humboldt Hill $300 460% Legal
Mountain View Acres $300 460% Legal
North Richmond $300 460% Legal
Mojave $300 460% Legal
Harbison Canyon $300 460% Legal
Ivanhoe $300 460% Legal
Del Monte Forest $300 460% Legal
McSwain and Lake of the Pines $300 460% Legal
West Menlo Park $300 460% Legal
Bystrom $300 460% Legal
Morada $300 460% Legal
North El Monte $300 460% Legal
San Joaquin $300 460% Legal
Clearlake Riviera $300 460% Legal
Vine Hill $300 460% Legal
Lenwood $300 460% Legal
Woodbridge and Shingle Springs $300 460% Legal
French Camp $300 460% Legal
Carmel-by-the-Sea $300 460% Legal
Angels $300 460% Legal
Felton $300 460% Legal
Burney $300 460% Legal
Moss Beach $300 460% Legal
Camino Tassajara $300 460% Legal
Mission Hills and Pixley $300 460% Legal
Armona $300 460% Legal
Esparto $300 460% Legal
Bishop $300 460% Legal
Avalon $300 460% Legal
Las Lomas $300 460% Legal
Wheatland $300 460% Legal
Agua Dulce $300 460% Legal
Freedom $300 460% Legal
Brooktrails $300 460% Legal
Forestville $300 460% Legal
Empire $300 460% Legal
Kennedy $300 460% Legal
Arbuckle $300 460% Legal
Riverdale and Stallion Springs $300 460% Legal
Reliez Valley $300 460% Legal
Hoopa $300 460% Legal
Pajaro $300 460% Legal
Greenfield $300 460% Legal
Meiners Oaks $300 460% Legal
Mono Vista $300 460% Legal
Auburn Lake Trails $300 460% Legal
Monte Sereno $300 460% Legal
Campo $300 460% Legal
Meadow Vista $300 460% Legal
Lake Isabella $300 460% Legal
Squaw Valley $300 460% Legal
Day Valley $300 460% Legal
Valley Springs $300 460% Legal
Oakhurst, Angwin, and El Verano $300 460% Legal
Tarpey Village and Lockeford $300 460% Legal
Hidden Meadows $300 460% Legal
Rio Dell $300 460% Legal
Vandenberg AFB $300 460% Legal
Cabazon $300 460% Legal
Casa Conejo $300 460% Legal
Loyola $300 460% Legal
East Oakdale $300 460% Legal
Desert Edge $300 460% Legal
Kelseyville $300 460% Legal
Goshen $300 460% Legal
Terra Bella $300 460% Legal
Cottonwood $300 460% Legal
Mount Shasta $300 460% Legal
Lake California $300 460% Legal
Morongo Valley $300 460% Legal
Weaverville $300 460% Legal
Tipton $300 460% Legal
East Richmond Heights $300 460% Legal
Seacliff $300 460% Legal
South Oroville $300 460% Legal
Santa Rosa Valley $300 460% Legal
Marin City $300 460% Legal
Anza $300 460% Legal
Pine Hills $300 460% Legal
North Lakeport $300 460% Legal
Coronita $300 460% Legal
Nevada City $300 460% Legal
Rollingwood $300 460% Legal
Crockett and Cambrian Park $300 460% Legal
Loma Rica $300 460% Legal
San Andreas $300 460% Legal
Ridgemark $300 460% Legal
San Antonio Heights $300 460% Legal
Meadowbrook $300 460% Legal
Cutten $300 460% Legal
Montalvin Manor $300 460% Legal
Oasis $300 460% Legal
Bonny Doon $300 460% Legal

Car Title Loans in California 2020

Like payday loans, car title loans are extremely predatory. Average APRs come in at 300% and the product is actually illegal in many states. However, car title loans do have the green-light in California. Regulators require a minimum loan amount of $2,500 and interest rates cannot exceed 36% as long as the loan is less than $4,999. If you miss a payment though, the law allows lenders to seize your car as soon as the next day. The lender does not have to provide any prior notice or contact your beforehand either. Moreover, the lender does not have to inform authorities its about to repossess your car, it only needs to inform them afterwards that the seizure has taken place.

Because of this, we recommend extreme caution with car title loans. Be sure you can repay the proceeds in full and on time, because if you don’t, the consequences will be severe.

Alternative Payday Loans in CA

Alternative loans are a great option when you don’t qualify for a personal loan, but want to avoid the high APRs of a payday loan. Alternative loans have APRs that exceed 35.99% but are usually capped at 200%. For more information, see our detailed guide.

Because alternative loans are installment loans, interest rates figures need to comply with California state law. However, because APRs include fees and other charges, lenders are able to keep financing costs within the allowable limit.

Example.

The alternative lender is licensed in California and details examples of its financing costs. A $3,925 loan – repaid over 26 bi-weekly payments – incurs a finance charge of $4,737. The figure implies an APR of 162.49%.

Similarly, LendUp is another alternative lender that’s licensed in California.

The company offers single-payment loans and installment loans. For single-payment loans, you can borrow anywhere from $100 to $255, with repayment terms of 7 to 30 days. Because single-payment loans are not labelled as payday loans, APRs can range between 214.13% and 917.71%. For its installment loans, you can borrow anywhere from $100 to $100,000 with repayment terms of up to 6 months. The examples on its site show APRs ranging from 31.99% to 70.06%.

Best Auto Loans for Bad Credit in California 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in California

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in California

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in California

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in California

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in California

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in California

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in California

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in California

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in California

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in California

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in California

Yes

Best Auto Loans for Good Credit in California 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in California

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in California

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in California

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in California

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in California

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in California

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in California

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in California

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in California

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in California

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in California

Yes

Credit Unions in California

Name: APR: Amount:
Los Angeles Federal Credit Union 12% – 18% $5,000
Federal Employees West Federal Credit Union 10,90% – 18% $8,000
Los Angeles Police Federal Credit Union 9.95% – 17.55% $100,000

Los Angeles Federal Credit Union

Offering personal loans of up to $5,000 with APRs that range from 12% to 18%, Los Angeles Federal Credit Union is a great place to obtain a hometown loan. Repayment terms extend up to 60 months and loans are unsecured, so no collateral is required. The company requires a minimum credit score of 600 and there are no hidden fees. Moreover, the credit union has local branches in Cerritos, Culver City, El Monte, Gardena, Glendale, Downtown LA and Van Nuys.

Federal Employees West Federal Credit Union

While it doesn’t disclose its minimum credit score, you can borrow anywhere from $200 to $8,000 and APRs range from 10.90% to 18%. As well, repayment terms extend up to 48 months and there are no hidden fees or prepayment penalties. Moreover, the company also offers a great secured loan alternative. If you deposit funds in a savings account, you borrow up to 90% of the proceeds and your APR will only be 2% above your savings rate. The secured option also has no minimum credit score requirement. For more information, you can visit its local branch at 611 W. 6th Street, Suite 875, Los Angeles, CA 90017.

Los Angeles Police Federal Credit Union

Similar to Federal Employees West, the LA Police Federal Credit Union doesn’t disclose its minimum credit score. However, loan APRs range from 9.95% to 17.55% and you can borrow up to $100,000. The company has several branches throughout California, with locations in Santa Monica, Los Angeles, El Segundo, Vernon as well as many others.

All Licensed Credit Unions in California

Name City Size (Millions) Members
THE GOLDEN 1 CREDIT UNION Sacramento $7,508.95 603849
SCHOOLSFIRST FEDERAL CREDIT UNION Santa Ana $8,849.06 504166
FIRST TECHNOLOGY FEDERAL CREDIT UNION Palo Alto $5,134.91 342683
PATELCO CREDIT UNION Pleasanton $3,612.14 271614
KINECTA FEDERAL CREDIT UNION Manhattan Beach $3,115.83 236734
SAN DIEGO COUNTY CREDIT UNION San Diego $5,460.19 225362
WESCOM CENTRAL CREDIT UNION Pasadena $2,440.43 225216
REDWOOD CREDIT UNION Santa Rosa $1,928.50 210689
EDUCATIONAL EMPLOYEES CREDIT UNION Fresno $1,902.93 197883
KERN SCHOOLS FEDERAL CREDIT UNION Bakersfield $1,232.86 191641
TRAVIS CREDIT UNION Vacaville $1,920.13 177076
SAFE CREDIT UNION North Highlands $1,789.73 155596
MISSION FEDERAL CREDIT UNION San Diego $2,174.92 153708
WESTERN FEDERAL CREDIT UNION Manhattan Beach $1,663.07 152931
ARROWHEAD CENTRAL CREDIT UNION San Bernardino $660.10 119139
CALIFORNIA COAST CREDIT UNION San Diego $1,633.08 117207
LBS FINANCIAL CREDIT UNION Long Beach $1,023.88 112201
SCHOOLS FINANCIAL CREDIT UNION Sacramento $1,326.83 111859
LOCKHEED FEDERAL CREDIT UNION Burbank $3,199.00 107380
PARTNERS FEDERAL CREDIT UNION Burbank $1,026.14 96898
ALTURA CREDIT UNION Riverside $642.97 95990
PROVIDENT CREDIT UNION Redwood City $1,516.22 95516
STAR ONE CREDIT UNION Sunnyvale $5,931.89 88852
MERIWEST CREDIT UNION San Jose $1,066.30 83076
NORTH ISLAND FINANCIAL CREDIT UNION San Diego $1,057.44 82730
ORANGE COUNTY’S CREDIT UNION Santa Ana $988.86 80461
NUVISION FEDERAL CREDIT UNION Huntington Beach $1,163.30 76698
OPERATING ENGINEERS LOCAL UNION #3 FEDERAL CREDIT UNION Livermore $777.84 76640
PACIFIC MARINE CREDIT UNION Oceanside $612.01 74677
CHEVRON FEDERAL CREDIT UNION Oakland $1,741.43 74414
TECHNOLOGY CREDIT UNION San Jose $1,559.27 72343
SAN MATEO CREDIT UNION Redwood City $649.14 70546
CALIFORNIA CREDIT UNION Glendale $1,042.70 69057
FIRST FINANCIAL CREDIT UNION West Covina $447.92 68867
PREMIER AMERICA CREDIT UNION Chatsworth $1,315.02 64181
FIRST ENTERTAINMENT CREDIT UNION Los Angeles $920.65 61507
COASTHILLS FEDERAL CREDIT UNION Lompoc $633.31 60377
PACIFIC SERVICE CREDIT UNION Walnut Creek $1,062.38 59882
SIERRA CENTRAL CREDIT UNION Yuba City $617.25 59199
XCEED FINANCIAL FEDERAL CREDIT UNION El Segundo $756.15 59059
FIRST CITY CREDIT UNION Los Angeles $463.41 58194
USC CREDIT UNION Los Angeles $349.16 57975
HONDA FEDERAL CREDIT UNION Torrance $564.07 57436
VALLEY FIRST CREDIT UNION Modesto $383.01 54717
BAY FEDERAL CREDIT UNION Capitola $650.94 54589
VENTURA COUNTY CREDIT UNION Ventura $566.92 54459
COAST CENTRAL CREDIT UNION Eureka $929.60 53890
AMERICAN FIRST CREDIT UNION La Habra $513.60 53161
FINANCIAL PARTNERS CREDIT UNION Downey $740.37 50149
NORTHROP GRUMMAN FEDERAL CREDIT UNION Gardena $879.32 49642
LOS ANGELES FEDERAL CREDIT UNION Glendale $724.27 49554
STANFORD FEDERAL CREDIT UNION Palo Alto $1,365.51 49030
ALTAONE FEDERAL CREDIT UNION Ridgecrest $538.97 48139
POINT LOMA CREDIT UNION San Diego $440.36 48097
FRESNO COUNTY FEDERAL CREDIT UNION Fresno $443.16 47154
UNIVERSITY & STATE EMPLOYEES CREDIT UNION San Diego $729.88 47066
SUN COMMUNITY FEDERAL CREDIT UNION El Centro $270.80 46423
1ST UNITED SERVICES CREDIT UNION Pleasanton $795.24 46332
SANTA CLARA COUNTY FEDERAL CREDIT UNION San Jose $490.13 44052
SAFE 1 CREDIT UNION Bakersfield $330.80 43433
LOS ANGELES POLICE FEDERAL CREDIT UNION Los Angeles $742.39 43317
CREDIT UNION OF SOUTHERN CALIFORNIA Whittier $552.23 42868
SOUTHLAND CREDIT UNION Downey $486.23 42243
VONS EMPLOYEES FEDERAL CREDIT UNION El Monte $370.86 41814
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION Los Angeles $582.93 41344
F & A FEDERAL CREDIT UNION Monterey Park $1,169.56 41070
SCE FEDERAL CREDIT UNION El Monte $502.67 40485
KEYPOINT CREDIT UNION Santa Clara $751.92 39798
ALLIANCE CREDIT UNION San Jose $345.72 39156
TELESIS COMMUNITY CREDIT UNION Chatsworth $318.31 37659
SAN FRANCISCO FIRE CREDIT UNION San Francisco $741.03 36331
WATER AND POWER COMMUNITY CREDIT UNION Los Angeles $464.69 36167
MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION (MSEFCU) Merced $368.34 35628
LA FINANCIAL FEDERAL CREDIT UNION Pasadena $347.90 35349
COMMONWEALTH CENTRAL CREDIT UNION San Jose $339.00 35004
TUCOEMAS FEDERAL CREDIT UNION Visalia $199.04 34624
UNIVERSITY CREDIT UNION Los Angeles $440.17 34075
SESLOC FEDERAL CREDIT UNION San Luis Obispo $539.25 33413
FINANCIAL CENTER CREDIT UNION Stockton $326.53 32018
VISTERRA CREDIT UNION Moreno Valley $329.78 31999
S.F. POLICE CREDIT UNION San Francisco $695.07 31224
MOCSE FEDERAL CREDIT UNION Modesto $189.42 30571
AMERICA’S CHRISTIAN CREDIT UNION Glendora $250.24 30569
SAN FRANCISCO FEDERAL CREDIT UNION San Francisco $791.16 30360
CALTECH EMPLOYEES FEDERAL CREDIT UNION La Canada $1,122.74 30248
PRIORITY ONE CREDIT UNION South Pasadena $153.46 29655
CHRISTIAN COMMUNITY CREDIT UNION San Dimas $521.87 29530
LOS ANGELES FIREMEN’S CREDIT UNION Los Angeles $816.21 29226
SKYONE FEDERAL CREDIT UNION Hawthorne $341.29 28264
CONTRA COSTA FEDERAL CREDIT UNION Martinez $592.31 27451
AFTRA-SAG FEDERAL CREDIT UNION Burbank $202.05 26894
SACRAMENTO CREDIT UNION Sacramento $340.47 24924
SAFEAMERICA CREDIT UNION Pleasanton $282.47 24147
UNCLE CREDIT UNION Livermore $239.70 23964
CABRILLO CREDIT UNION San Diego $185.04 23341
SCHOOLS FEDERAL CREDIT UNION Compton $107.22 22286
PACIFIC OAKS FEDERAL CREDIT UNION Camarillo $276.80 21828
KERN FEDERAL CREDIT UNION Bakersfield $205.68 21827
CENTRAL STATE CREDIT UNION Stockton $145.73 21083
EAGLE COMMUNITY CREDIT UNION Lake Forest $201.02 20253
CBC FEDERAL CREDIT UNION Oxnard $373.06 20126
FOOTHILL FEDERAL CREDIT UNION Arcadia $270.24 19730
EDWARDS FEDERAL CREDIT UNION Edwards Afb $143.50 19185
MONTEREY CREDIT UNION Monterey $186.82 18691
FIRST U.S. COMMUNITY CREDIT UNION Sacramento $240.23 18626
UNION YES FEDERAL CREDIT UNION Orange $54.14 18171
E-CENTRAL CREDIT UNION Pasadena $166.69 17473
MEMBERS 1ST CREDIT UNION Redding $96.18 17057
HERITAGE COMMUNITY CREDIT UNION Rancho Cordova $197.75 16767
MENDO LAKE CREDIT UNION Ukiah $117.09 16444
CHAFFEY FEDERAL CREDIT UNION Ontario $98.39 16229
YOLO FEDERAL CREDIT UNION Woodland $192.97 16212
SAN DIEGO METROPOLITAN CREDIT UNION San Diego $248.17 15825
BURBANK CITY FEDERAL CREDIT UNION Burbank $238.05 15532
POPA FEDERAL CREDIT UNION Cerritos $163.65 15405
FISCAL CREDIT UNION Glendale $134.25 15024
SEA WEST COAST GUARD FEDERAL CREDIT UNION Oakland $333.46 14996
ALL VALLEY FEDERAL CREDIT UNION Lancaster $95.05 14701
PACIFIC POSTAL CREDIT UNION San Jose $188.00 14618
I.L.W.U. CREDIT UNION Los Angeles $118.67 14502
UNITED LOCAL CREDIT UNION Fresno $109.11 14088
NATIONAL 1ST CREDIT UNION Santa Clara $200.08 13898
CAHP CREDIT UNION Sacramento $112.88 13786
CALIFORNIA BEAR CREDIT UNION Los Angeles $107.32 13619
BAY CITIES CREDIT UNION Hayward $62.70 13528
CHEVRON VALLEY CREDIT UNION Bakersfield $118.19 13395
PACIFIC COMMUNITY CREDIT UNION Fullerton $186.48 13301
COMMUNITY FIRST CREDIT UNION Santa Rosa $130.05 13142
DOWNEY FEDERAL CREDIT UNION Downey $168.61 13109
FIRST IMPERIAL CREDIT UNION El Centro $67.65 13017
SOUTH WESTERN FEDERAL CREDIT UNION La Habra $141.80 12937
ALTA VISTA CREDIT UNION San Bernardino $142.17 12871
EVANGELICAL CHRISTIAN CREDIT UNION Brea $1,145.67 12605
FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION Hanford $103.13 12464
SPECTRUM FEDERAL CREDIT UNION San Francisco $175.81 12401
CAMINO FEDERAL CREDIT UNION Montebello $112.91 12274
UME FEDERAL CREDIT UNION Burbank $137.12 12079
COOPERATIVE CENTER FEDERAL CREDIT UNION Berkeley $94.61 12016
CLEARPATH FEDERAL CREDIT UNION Glendale $82.43 11998
SAN JOSE CREDIT UNION San Jose $138.06 11885
GLENDALE AREA SCHOOLS FEDERAL CREDIT UNION Glendale $316.94 11725
SANTA BARBARA TEACHERS FEDERAL CREDIT UNION Santa Barbara $183.13 11614
PASADENA FEDERAL CREDIT UNION Pasadena $134.67 11390
CENTRAL COAST FEDERAL CREDIT UNION Seaside $114.73 11308
SOLANO FIRST FEDERAL CREDIT UNION Fairfield $106.43 11281
MATADORS COMMUNITY CREDIT UNION Los Angeles $129.45 11233
PREMIER COMMUNITY CREDIT UNION Stockton $117.81 11104
RANCHO FEDERAL CREDIT UNION Downey $76.65 10983
MERCO CREDIT UNION Merced $76.74 10975
TULARE COUNTY FEDERAL CREDIT UNION Tulare $71.51 10928
AEROSPACE FEDERAL CREDIT UNION Los Angeles $339.71 10718
CAREPOINT FEDERAL CREDIT UNION Anaheim $42.58 10623
HARBOR FEDERAL CREDIT UNION Carson $94.76 10622
JACOM CREDIT UNION Los Angeles $83.52 10502
SAFEWAY LOS ANGELES FEDERAL CREDIT UNION Norwalk $54.48 10241
PASADENA SERVICE FEDERAL CREDIT UNION Pasadena $100.55 10070
SANTA CRUZ COMMUNITY CREDIT UNION Santa Cruz $96.47 9992
LA LOMA FEDERAL CREDIT UNION Bryn Mawr $65.98 9683
KINGS FEDERAL CREDIT UNION Hanford $81.15 9282
SAN BERNARDINO SCHOOL EMPLOYEES FEDERAL CREDIT UNION San Bernardino $60.47 9115
FIRST CALIFORNIA FEDERAL CREDIT UNION Fresno $71.80 9063
PACIFIC RESOURCE CREDIT UNION Los Angeles $95.17 9051
CALCOM FEDERAL CREDIT UNION Torrance $56.11 8878
BUTTE FEDERAL CREDIT UNION Biggs $31.60 8707
STATE CENTER CREDIT UNION Fresno $73.21 8624
LONG BEACH CITY EMPLOYEES FEDERAL CREDIT UNION Long Beach $335.41 8556
SOUTHERN CALIFORNIA POSTAL CREDIT UNION Long Beach $73.20 8400
MIRAMAR FEDERAL CREDIT UNION San Diego $177.38 8339
SMW 104 FEDERAL CREDIT UNION San Leandro $84.31 8102
SEA AIR FEDERAL CREDIT UNION Seal Beach $149.91 7896
PACIFIC TRANSPORTATION FEDERAL CREDIT UNION Gardena $64.57 7883
PRINTING INDUSTRIES CREDIT UNION Riverside $23.96 7587
PARSONS FEDERAL CREDIT UNION Pasadena $243.58 7554
SANTA ANA FEDERAL CREDIT UNION Santa Ana $59.14 7432
ALLIED HEALTHCARE FEDERAL CREDIT UNION Newport Beach $65.42 7401
BIG VALLEY FEDERAL CREDIT UNION Sacramento $57.65 7392
MUSICIANS’ INTERGUILD CREDIT UNION Los Angeles $81.50 7361
CALIFORNIA COMMUNITY CREDIT UNION Sacramento $47.44 7304
CD FEDERAL CREDIT UNION Concord $76.19 7299
SOUTH BAY CREDIT UNION Redondo Beach $73.87 7166
ONTARIO MONTCLAIR SCHOOLS FEDERAL CREDIT UNION Ontario $80.00 7084
COUNTY SCHOOLS FEDERAL CREDIT UNION Ventura $49.91 7000
TYCO FEDERAL CREDIT UNION Redwood City $103.04 6937
U.P.S. EMPLOYEES FEDERAL CREDIT UNION Ontario $29.17 6778
TORRANCE COMMUNITY FEDERAL CREDIT UNION Torrance $100.14 6777
SISKIYOU CENTRAL CU CREDIT UNION Yreka $50.72 6753
UNITED METHODIST FEDERAL CREDIT UNION Montclair $77.58 6601
HEALTH ASSOCIATES FEDERAL CREDIT UNION Orange $46.29 6532
VALLEY OAK CREDIT UNION Three Rivers $47.14 6426
SD MEDICAL FEDERAL CREDIT UNION San Diego $71.15 6270
ROLLING F CREDIT UNION Turlock $40.51 6263
MOKELUMNE FEDERAL CREDIT UNION Lodi $46.60 6196
UNIVERSAL CITY STUDIOS CREDIT UNION North Hollywood $64.13 6149
NIKKEI CREDIT UNION Gardena $70.08 6096
PROSPECTORS FCU FEDERAL CREDIT UNION Diamond Bar $59.09 5804
SAN JOAQUIN POWER EMPLOYEES CREDIT UNION Fresno $120.19 5772
SILVERADO CREDIT UNION Angwin $43.25 5756
SANTA BARBARA COUNTY FEDERAL CREDIT UNION Santa Barbara $39.13 5702
INLAND EMPIRE CREDIT UNION Pomona $37.76 5699
20TH CENTURY FOX FEDERAL CREDIT UNION Los Angeles $45.60 5620
MID-CITIES FINANCIAL CREDIT UNION Compton $23.34 5600
AUTO CLUB FEDERAL CREDIT UNION Cerritos $25.82 5481
LASSEN COUNTY FEDERAL CREDIT UNION Susanville $59.82 5458
PATRIOTS FEDERAL CREDIT UNION Aliso Viejo $84.40 5295
PARISHIONERS FEDERAL CREDIT UNION Torrance $37.87 5284
CALIFORNIA AGRIBUSINESS CREDIT UNION Buena Park $29.55 5247
OLIVE VIEW EMPLOYEES FEDERAL CREDIT UNION Los Angeles $32.04 5116
PARADISE VALLEY FEDERAL CREDIT UNION National City $76.02 5110
A M FEDERAL CREDIT UNION Gardena $20.48 5019
VA DESERT PACIFIC FEDERAL CREDIT UNION Long Beach $57.17 4952
CAL STATE L.A. FEDERAL CREDIT UNION Los Angeles $43.12 4945
COMMUNITY C.U. OF SO. HUMBOLDT CREDIT UNION Garberville $55.23 4923
TECHNICOLOR FEDERAL CREDIT UNION Burbank $38.36 4882
BOPTI FEDERAL CREDIT UNION Los Angeles $53.64 4861
KAIPERM FEDERAL CREDIT UNION Walnut Creek $61.99 4805
FORT BRAGG COMMUNITY FEDERAL CREDIT UNION Fort Bragg $29.39 4650
CALIFORNIA PACIFIC FEDERAL CREDIT UNION Concord $41.03 4600
NBC UNIVERSAL EMPLOYEES FEDERAL CREDIT UNION Burbank $62.55 4591
GROSSMONT SCHOOLS FEDERAL CREDIT UNION El Cajon $87.41 4558
MARIN COUNTY FEDERAL CREDIT UNION San Rafael $56.22 4482
MCKESSON EMPLOYEES FEDERAL CREDIT UNION San Francisco $24.63 4410
WESTERN HEALTHCARE FEDERAL CREDIT UNION Concord $31.18 4348
GOLDEN WEST CITIES FEDERAL CREDIT UNION Garden Grove $38.79 4280
CALIFORNIA STATE & FED EMP #20 CREDIT UNION Eureka $123.31 4263
OCEAN CREST FEDERAL CREDIT UNION Signal Hill $34.60 4202
MONTEREY COUNTY EMPLOYEES CREDIT UNION Salinas $29.89 4187
NORTH COUNTY CREDIT UNION San Diego $56.04 4128
49’ER FEDERAL CREDIT UNION Placerville $44.46 4127
NORTH ORANGE COUNTY CREDIT UNION Fullerton $60.62 4109
KAIPERM NORTH BAY FEDERAL CREDIT UNION Vallejo $33.58 4074
DESERT VALLEYS FEDERAL CREDIT UNION Ridgecrest $21.26 3932
RAFE FEDERAL CREDIT UNION Riverside $20.83 3927
UNITED HEALTH CREDIT UNION Burlingame $48.39 3922
ORGANIZED LABOR CREDIT UNION Modesto $16.58 3892
SHELL WESTERN STATES FEDERAL CREDIT UNION Martinez $81.89 3883
MISSION CITY FEDERAL CREDIT UNION Santa Clara $73.18 3874
INTERSTATE FEDERAL CREDIT UNION Anaheim $22.20 3839
GLENDALE FEDERAL CREDIT UNION Glendale $63.87 3790
SRI FEDERAL CREDIT UNION Menlo Park $68.61 3786
CEDARS-SINAI FEDERAL CREDIT UNION Los Angeles $17.80 3745
1ST VALLEY CREDIT UNION San Bernardino $33.82 3722
INLAND VALLEY FEDERAL CREDIT UNION Fontana $36.66 3669
CAPSTONE FEDERAL CREDIT UNION Aliso Viejo $36.53 3626
POLAM FEDERAL CREDIT UNION Redwood City $60.90 3586
STAR HARBOR FEDERAL CREDIT UNION Compton $14.44 3579
SAN DIEGO FIREFIGHTERS FEDERAL CREDIT UNION San Diego $78.67 3558
C B S EMPLOYEES FEDERAL CREDIT UNION Studio City $18.57 3557
CALIFORNIA ADVENTIST FEDERAL CREDIT UNION Glendale $43.01 3547
MY CREDIT UNION Redwood City $34.95 3539
UNITED CATHOLICS FEDERAL CREDIT UNION West Covina $28.11 3538
SANTA MONICA CITY EMPLOYEES FEDERAL CREDIT UNION Santa Monica $27.35 3529
ALAMEDA CREDIT UNION Alameda $36.06 3481
FRESNO POLICE DEPARTMENT CREDIT UNION Fresno $43.95 3476
MEDIA CITY COMMUNITY CREDIT UNION Burbank $33.84 3459
L. A. ELECTRICAL WORKERS CREDIT UN. CREDIT UNION Pasadena $47.16 3368
DIABLO VALLEY FEDERAL CREDIT UNION Concord $32.79 3352
EL MONTE COMMUNITY CREDIT UNION El Monte $19.63 3313
LONG BEACH FIREMEN S CREDIT UNION Long Beach $156.88 3268
DELTA SCHOOLS FEDERAL CREDIT UNION Antioch $29.27 3263
SAN GABRIEL VALLEY POSTAL CREDIT UNION Covina $15.12 3198
MATTEL FEDERAL CREDIT UNION El Segundo $25.88 3160
S.T.A.R. COMMUNITY CREDIT UNION Chico $33.90 3131
P.V.H.M.C. FEDERAL CREDIT UNION Pomona $8.98 3090
COAST-TEL FEDERAL CREDIT UNION Salinas $14.70 3081
CORRECTIONS FEDERAL CREDIT UNION Soledad $15.17 3080
AMERICAN FEDERAL CREDIT UNION Mission Hills $16.57 3075
MWD FEDERAL CREDIT UNION Los Angeles $42.00 3049
ILWU – FSC FEDERAL CREDIT UNION Oakland $22.36 3031
HARBOR AREA POSTAL EMPLOYEES FEDERAL CREDIT UNION Lomita $17.96 3026
SONOMA COUNTY GRANGE CREDIT UNION Santa Rosa $35.69 2988
EAGLE CREDIT UNION Lodi $20.49 2975
GOLDEN VALLEY FEDERAL CREDIT UNION Manteca $23.39 2967
CAL POLY FEDERAL CREDIT UNION Pomona $11.26 2938
HUNTINGTON BEACH CTY EMPLOYEES CREDIT UNION Huntington Beach $44.32 2934
FINANCIAL BENEFITS CREDIT UNION Alameda $19.22 2861
GREATER VALLEY CREDIT UNION Fresno $32.00 2853
UNITED FINANCIAL CREDIT UNION Whittier $39.87 2830
ESCONDIDO FEDERAL CREDIT UNION Escondido $32.47 2827
BOURNS EMPLOYEES FEDERAL CREDIT UNION Riverside $36.58 2817
SIERRA POINT CREDIT UNION South San Francisco $27.38 2808
L.A. HEALTHCARE FEDERAL CREDIT UNION Los Angeles $12.83 2788
SANTA CRUZ COUNTY EMPLOYEES CREDIT UNION Santa Cruz $24.95 2765
HANIN FEDERAL CREDIT UNION Los Angeles $21.35 2749
ALLIED TRADES CREDIT UNION Stockton $21.17 2669
BAKERSFIELD CITY EMPLOYEES FEDERAL CREDIT UNION Bakersfield $28.15 2582
MENLO SURVEY FEDERAL CREDIT UNION Menlo Park $53.78 2567
SEQUOIA FEDERAL CREDIT UNION Redwood City $25.68 2469
MODESTO’S FIRST FEDERAL CREDIT UNION Modesto $31.64 2458
WHITTIER MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Whittier $19.03 2454
POLAM FEDERAL CREDIT UNION Los Angeles $48.90 2411
FRESNO FIRE DEPARTMENT CREDIT UNION Fresno $32.73 2410
EPISCOPAL COMMUNITY FEDERAL CREDIT UNION Los Angeles $5.12 2404
FEDONE FEDERAL CREDIT UNION Laguna Niguel $19.27 2368
SO VAL TEL FEDERAL CREDIT UNION Fresno $14.78 2361
UTILITY DISTRICT CREDIT UNION Oakland $27.08 2331
DOW GREAT WESTERN CREDIT UNION Antioch $38.44 2306
FEDERAL EMPLOYEES WEST FEDERAL CREDIT UNION Los Angeles $11.92 2302
UNION PACIFIC CALIFORNIA EMP FEDERAL CREDIT UNION Los Alamitos $8.48 2284
CHABOT FEDERAL CREDIT UNION Dublin $68.21 2232
ONTARIO PUBLIC EMPLOYEES FEDERAL CREDIT UNION (OPEFCU) Ontario $16.08 2214
FIRESTONE FINANCIAL SERVICES CREDIT UNION Anaheim $16.60 2132
SUN-PACIFIC FEDERAL CREDIT UNION Richmond $19.85 2117
WESTSIDE EMPLOYEES FEDERAL CREDIT UNION Santa Monica $11.44 2093
SLO CREDIT UNION San Luis Obispo $32.24 2072
VISION ONE CREDIT UNION Sacramento $51.42 2050
UNITED WORKERS FEDERAL CREDIT UNION Castro Valley $6.87 2033
S.F. BAY AREA EDUCATORS CREDIT UNION San Francisco $19.82 2015
IBEW MEMBERS + CREDIT UNION Martinez $18.05 2007
MOORE WEST FEDERAL CREDIT UNION San Leandro $20.66 1996
HAMILTON FEDERAL CREDIT UNION Novato $25.16 1973
C R C FEDERAL CREDIT UNION Norco $7.99 1952
PACIFIC FEDERAL CREDIT UNION Pomona $19.50 1928
FONTANA FEDERAL CREDIT UNION Fontana $11.30 1902
ANTIOCH COMMUNITY FEDERAL CREDIT UNION Antioch $24.27 1888
CULVER CITY EMPLOYEES FEDERAL CREDIT UNION Culver City $21.54 1886
SUNNYVALE FEDERAL CREDIT UNION Sunnyvale $18.05 1875
COMUNIDAD LATINA FEDERAL CREDIT UNION Santa Ana $3.03 1849
INLAND FEDERAL CREDIT UNION El Cajon $10.73 1849
PROSPERITY FEDERAL CREDIT UNION Compton $10.86 1847
SONOMA FEDERAL CREDIT UNION Santa Rosa $20.22 1811
WESTERN VALLEY FEDERAL CREDIT UNION Roseville $10.91 1796
BAKERY EMPLOYEES CREDIT UNION Montebello $6.87 1781
FAMILY FEDERAL CREDIT UNION Los Angeles $8.74 1775
BEVERLY HILLS CITY EMPLOYEES FEDERAL CREDIT UNION Beverly Hills $17.42 1765
NORTHERN REDWOOD FEDERAL CREDIT UNION Arcata $18.01 1750
LUTHERAN CREDIT UNION OF AMERICA Brea $28.25 1748
BAY MEDIA FEDERAL CREDIT UNION San Francisco $13.21 1738
DESERT COMMUNITIES FEDERAL CREDIT UNION Needles $18.41 1727
NORTHEAST COMMUNITY FEDERAL CREDIT UNION San Francisco $11.46 1708
EAST BAY POSTAL CREDIT UNION Oakland $8.69 1678
FAMILY 1 FEDERAL CREDIT UNION Placentia $24.25 1675
BARSTOW RAILWAY EMPLOYEES CREDIT UNION Barstow $10.08 1660
CALIFORNIA CENTER CREDIT UNION Ontario $8.28 1649
FAIRVIEW EMPLOYEES FEDERAL CREDIT UNION Costa Mesa $12.77 1625
L. A. MISSION FEDERAL CREDIT UNION San Fernando $5.84 1600
PALM SPRINGS FEDERAL CREDIT UNION Palm Springs $13.24 1584
SEQUOIA HOSPITAL EMPLOYEES FEDERAL CREDIT UNION Redwood City $13.77 1573
ESPEECO FEDERAL CREDIT UNION Bakersfield $8.13 1532
MC CLATCHY EMPLOYEES CREDIT UNION Sacramento $17.31 1510
MATSON EMPLOYEES FEDERAL CREDIT UNION Oakland $34.66 1413
CALIFORNIA LITHUANIAN CREDIT UNION Santa Monica $81.56 1406
EL CAMINO HOSPITAL FEDERAL CREDIT UNION Mountain View $8.00 1354
COLTON FEDERAL CREDIT UNION Colton $6.47 1329
NEWPORT BEACH CITY EMPLOYEES FEDERAL CREDIT UNION Newport Beach $10.37 1314
HEALTH CARE PROFESSIONALS OF NAPA FEDERAL CREDIT UNION Napa $5.56 1234
CITY OF DOWNEY FEDERAL CREDIT UNION Downey $7.96 1228
VICTOR VALLEY FEDERAL CREDIT UNION Victorville $9.98 1228
WATSONVILLE HOSPITAL FEDERAL CREDIT UNION Watsonville $10.73 1220
AIRCO FEDERAL CREDIT UNION Glendale $12.92 1175
S F RECREATION & PARKS FEDERAL CREDIT UNION San Francisco $14.53 1162
ATCHISON VILLAGE CREDIT UNION Richmond $6.67 1160
UNITED ASSOCIATION CREDIT UNION Concord $5.06 1154
ATD FEDERAL CREDIT UNION San Jose $16.94 1115
ELECTRIC FEDERAL CREDIT UNION San Jose $10.70 1112
C & H SUGAR EMPLOYEES FEDERAL CREDIT UNION Crockett $11.33 1106
U S ENGINEERS L. A. FEDERAL CREDIT UNION Los Angeles $8.71 1099
SAN FRANCISCO LEE FEDERAL CREDIT UNION San Francisco $12.34 1096
SANTA MARIA ASSOCIATED EMPLOYEES FEDERAL CREDIT UNION Santa Maria $3.59 1045
EL CAJON FEDERAL CREDIT UNION El Cajon $12.16 1040
NORTH HOLLYWOOD FEDERAL CREDIT UNION Los Angeles $4.70 1017
SOUTHLAND SAVINGS FEDERAL CREDIT UNION Buena Park $8.58 1000
PRINTING OFFICE EMPLOYEES CREDIT UNION Covina $4.59 992
SAN MATEO CITY EMPLOYEES FEDERAL CREDIT UNION San Mateo $31.00 992
FRESNO GRANGERS FEDERAL CREDIT UNION Fresno $13.25 981
PITTSBURG EMPLOYEES FEDERAL CREDIT UNION Pittsburg $7.20 980
I.C.E. FEDERAL CREDIT UNION Inglewood $3.58 970
SUNKIST EMPLOYEES FEDERAL CREDIT UNION Los Angeles $5.40 954
ST. AGNES HOSPITAL FEDERAL CREDIT UNION Fresno $4.70 950
SONY SAN DIEGO EMPLOYEES FEDERAL CREDIT UNION San Diego $6.78 942
DELUXE LABORATORIES FEDERAL CREDIT UNION Los Angeles $9.78 933
PACOIMA DEVELOPMENT FEDERAL CREDIT UNION Los Angeles $4.11 889
POMONA POSTAL FEDERAL CREDIT UNION (PPFCU) Pomona $4.25 869
ARCADIA CITY FEDERAL CREDIT UNION Arcadia $5.60 867
LIMONEIRA FEDERAL CREDIT UNION Santa Paula $4.56 842
S F MUNICIPAL RAILWAY EMP FEDERAL CREDIT UNION San Francisco $6.28 815
REDLANDS CITY EMPLOYEES FEDERAL CREDIT UNION Redlands $9.45 812
RARIN FEDERAL CREDIT UNION Stockton $4.88 726
CITY OF UKIAH EMPLOYEES CREDIT UNION Ukiah $4.10 703
COLUMBUS CLUB FEDERAL CREDIT UNION San Fernando $8.05 690
DENOCOS FEDERAL CREDIT UNION Crescent City $5.80 634
STATE EMPLOYEES #84 CREDIT UNION Manteca $1.62 634
HIGH SIERRA CREDIT UNION Bishop $11.38 626
LITHUANIAN CREDIT UNION Los Angeles $6.94 623
MONROVIA CITY EMPLOYEES FEDERAL CREDIT UNION Monrovia $3.64 618
UNITED AMERICA WEST FEDERAL CREDIT UNION Los Angeles $3.80 617
BAKERSFIELD COMMUNITY FEDERAL CREDIT UNION Bakersfield $2.93 588
CHULA VISTA CITY EMPLOYEES FEDERAL CREDIT UNION Chula Vista $2.38 548
PEPSI COLA FEDERAL CREDIT UNION Buena Park $0.75 547
SOUTH SAN FRANCISCO CITY EMP FEDERAL CREDIT UNION Menlo Park $4.02 528
FAITH BASED FEDERAL CREDIT UNION Oceanside $1.11 515
DELANCEY STREET FEDERAL CREDIT UNION San Francisco $0.37 512
CHERRY EMPLOYEES FEDERAL CREDIT UNION Santa Ana $4.31 496
AZUSA CITY EMPLOYEES FEDERAL CREDIT UNION Azusa $2.46 474
PACIFICA-COASTSIDE CREDIT UNION Pacifica $1.44 462
KETEMA FEDERAL CREDIT UNION El Cajon $1.58 454
UNION OIL SANTA FE SPRINGS EM FEDERAL CREDIT UNION Brea $5.75 446
WESTERN STATES REGIONAL FEDERAL CREDIT UNION Los Angeles $0.71 432
MT. SLOVER FEDERAL CREDIT UNION Colton $2.26 431
MERCED MUNICIPAL EMPLOYEES CREDIT UNION Merced $2.09 423
COMPTON MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION Compton $1.13 409
SAN BERNARDINO COMM. COL. DIS. EMP FEDERAL CREDIT UNION San Bernardino $2.82 409
L M C C EMPLOYEES FEDERAL CREDIT UNION La Mesa $3.08 408
TEHACHAPI FEDERAL CREDIT UNION Tehachapi $2.17 408
DAIJO FEDERAL CREDIT UNION Orange $2.60 394
U.S.B. EMPLOYEES FEDERAL CREDIT UNION Wilmington $2.59 362
SAN FERNANDO VALLEY JAPANESE CREDIT UNION Los Angeles $1.18 328
CALVARY BAPTIST OF PACOIMA FEDERAL CREDIT UNION San Fernando $0.19 321
JONES METHODIST CHURCH CREDIT UNION San Francisco $0.55 313
ANGELUS CAN EMPLOYEES FEDERAL CREDIT UNION Los Angeles $1.65 309
BETHEL A.M.E. SAN FRANCISCO FEDERAL CREDIT UNION San Francisco $0.58 297
FOUNTAIN VALLEY CREDIT UNION Fountain Valley $2.37 292
SAN DIEGO JACL FEDERAL CREDIT UNION San Diego $0.81 283
SAN FRANCISCO B P R FEDERAL CREDIT UNION San Francisco $1.63 271
MOJAVE PLANT EMPLOYEES FEDERAL CREDIT UNION Mojave $1.99 270
NORTHERN CALIFORNIA LATVIAN CREDIT UNION San Francisco $1.89 244
LOS ANGELES LEE FEDERAL CREDIT UNION Los Angeles $0.64 213
CANOGA POSTAL FEDERAL CREDIT UNION Los Angeles $0.98 201
K.C.NO. 3601 FEDERAL CREDIT UNION Los Angeles $0.79 164
MARYKNOLL OF L A FEDERAL CREDIT UNION Los Angeles $0.99 158
TAYLOR MEMORIAL UNITED METHODIST FEDERAL CREDIT UNION Oakland $0.14 155
GUIDANCE CHURCH OF RELIGIOUS SCIENC FEDERAL CREDIT UNION Los Angeles $0.19 151
ZION HILL BAPTIST CHURCH FEDERAL CREDIT UNION Los Angeles $0.25 146
PEOPLES IND CHURCH FEDERAL CREDIT UNION Los Angeles $0.09 127

Student Loans in California

If you’re heading off to university, the best approach is to apply for a Federal Student Loan through the U.S. Department of education. We recommend federal student loans because they offer debt forgiveness to borrowers who demonstrate significant financial need. For more information on the type of plans available and how they work, see our detailed guide.

For residents in California, however, you also have access to generous state-level programs that can decrease or even eliminate your tuition payments all together.

University of California (UC) Blue and Gold Opportunity Plan

Designed specifically for attendants of the University of California (UC), the Blue and Gold Opportunity plan allows eligible undergraduates to have their tuition covered by student aid. To qualify, your family must have an annual income of less than $80,000 and you must submit your application no later than March 2nd of each year.

The Blue and Gold Opportunity Plan is open to:

  • Residents of California.
  • Undergraduate students in their first 4 years of attendance (first 2 years for transfer students).
  • Students enrolled in at least 6 classes (at least half-time).
  • Students who maintain compliance with UC’s academic standards.
  • Students whose family has an annual income of less than $80,000.

California Middle Class Scholarship (MCS)

The MCS will cover anywhere from 10% to 40% of your tuition if your family’s annual income is less than $177,000. The grants are available to attendants of the University of California (UC) and California State (CSU) campuses.

To qualify, you must:

  • Be a California resident.
  • Attend UC or a CSU.
  • Be a U.S. citizen, permanent resident or have AB 540* student status.
  • Meet academic requirements.
  • Not be in default of any other student loan.

If approved, you can receive an MCS grant each year for the entire four years of your undergraduate degree.

California DREAM Act

Designed specifically for undocumented students, the California DREAM Act provides financial aid to attendants of any public college in California.

You can apply if:

  • You’re an undocumented student.
  • You have a valid or expired DACA.
  • You’re a U Visa holder.
  • You currently have Temporary Protected Status (TPS).

Federal Housing Administration (FHA) Loans in California

FHA loans are tailored to middle and low-income borrowers. They require a small down payment – roughly 3.5% – and borrowers with low credit scores are more likely to be approved. However, you usually need a credit score of 580 or more to qualify. If your credit score ranges from 500 to 579, you can still qualify, but your down payment will jump to at least 10%.

In California, state law regulates FHA loans by county and home size – meaning 1-bedroom homes qualify for a lower amounts, while 4-bedroom homes qualify for higher amounts.

Here are the figures by county:

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alameda County $765,600 $1,472,550
Alpine County $463,450 $891,250
Amador County $355,350 $683,350
Butte County $331,760 $638,100
Calaveras County $373,750 $718,750
Colusa County $331,760 $638,100
Contra Costa County $765,600 $1,472,550
Del Norte County $331,760 $638,100
El Dorado County $569,250 $1,094,700
Fresno County $331,760 $638,100
Glenn County $331,760 $638,100
Humboldt County $345,000 $663,450
Imperial County $331,760 $638,100
Inyo County $373,750 $718,750
Kern County $331,760 $638,100
Kings County $331,760 $638,100
Lake County $331,760 $638,100
Lassen County $331,760 $638,100
Los Angeles County $765,600 $1,472,550
Madera County $331,760 $638,100
Marin County $765,600 $1,472,550
Mariposa County $331,760 $638,100
Mendocino County $409,400 $787,300
Merced County $331,760 $638,100
Modoc County $331,760 $638,100
Mono County $529,000 $1,017,300
Monterey County $672,750 $1,293,750
Napa County $764,750 $1,470,700
Nevada County $486,450 $935,500
Orange County $765,600 $1,472,550
Placer County $569,250 $1,094,700
Plumas County $336,950 $648,000
Riverside County $442,750 $851,450
Sacramento County $569,250 $1,094,700
San Benito County $765,600 $1,472,550
San Bernardino County $442,750 $851,450
San Diego County $701,500 $1,349,050
San Francisco County $765,600 $1,472,550
San Joaquin County $448,500 $862,500
San Luis Obispo County $690,000 $1,326,950
San Mateo County $765,600 $1,472,550
Santa Barbara County $653,200 $1,256,150
Santa Clara County $765,600 $1,472,550
Santa Cruz County $765,600 $1,472,550
Shasta County $331,760 $638,100
Sierra County $331,760 $638,100
Siskiyou County $331,760 $638,100
Solano County $506,000 $973,100
Sonoma County $704,950 $1,355,700
Stanislaus County $365,700 $703,250
Sutter County $345,000 $663,450
Tehama County $331,760 $638,100
Trinity County $331,760 $638,100
Tulare County $331,760 $638,100
Tuolumne County $331,760 $638,100
Ventura County $713,000 $1,371,150
Yolo County $569,250 $1,094,700
Yuba County $345,000 $663,450

As you can see, the smallest loan amount is $314,827, which is the legal limit in 19 counties. Contrast that with a largest loan amount of $1,397,400 – which is the legal limit in 11 counties.

Business Loans in California

If you need a business loan, there are great online lenders that offer extremely competitive APRs:

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in California

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in California

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in California

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in California

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in California

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in California

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in California

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in California

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in California

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in California

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in California

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in California

Yes

As well, there are unique lending programs only available in the state of California. If you don’t qualify for the options above or prefer to deal with a local lender, the programs below offer great alternatives.

California Small Business Loan Guarantee Program

Organized by the Small Business Finance Center (SBFC) of California, the program partners with seven financial institutions. The SBFC guarantees 80% to 95% of each loan, making its seven partner lenders more willing to provide financing.

To qualify:

  • You need to run a small business that has 750 employees or less.
  • You need to meet specific lender requirements.
  • You must be a for-profit business or eligible non-profit.

If approved, you can borrow up to $20 million and repayment terms range from seven years and up.

Valley Economic Development Center (VEDC) Small Business Loans

With VEDC loans, you have three options to choose from:

  • VEDC Standard Loans allow you to borrow anywhere from $50,000 to $500,000 and have interest rates as low as 8%. Repayment terms range from six to 60 months and loan origination fees usually range from 2% to 3%.
  • VEDC Microloans range from $2,500 to $50,000 and have the same repayment terms as above. However, interest rates are as low as 7.5% and loan origination fees range from 3% to 5%.
  • VEDC Microenterprise Loans range from $500 to $2,500 and you can repay the funds in as little as six months or upwards of two years. Interest rates are as low as 8.5% and loan origination fees range from $25 to $50.

Accion Rapid Loan

While Accion offers loans across the country, its Accion Rapid Loan is only available in California. However, your business needs to reside in Imperial, Riverside, San Diego or San Bernardino to qualify. You can borrow anywhere from $300 to $8,000 and repay the funds in three years or less. Interest rates range from 14% to 18%, but a 1% discount is offered to military personnel. As well, you need a minimum credit score of 550 to qualify.

How to Avoid Debt Cycle

When bills are piling up, taking out a loan can seem like your only option. However, if you’re not careful, the process can quickly get out of hand. You end up trying to service several loans that continue to compound with interest.

If you’re struggling and not sure where to turn, consider contacting a credit counselor. They can advise you on how to reduce your debt load as well as work with creditors to find an amicable solution. Many are available through non-profit organizations and you can find help through the National Foundation for Credit Counseling.

Through the CFPB’s website, you can also find information on how to develop a debt management plan as well as avoid upfront fees when working with debt settlement companies.

Conclusion

With so many regulations in place to protect consumers, The Golden State is a great jurisdiction to obtain an affordable loan. And while its payday loan regulations have exploitable loopholes, the state of California is still miles ahead of others when it comes to ensuring fair and honest borrowing. Despite that, California’s car title loan statutes need plenty of work. If you miss one payment, lenders have the legal right to seize your car as early as the next day. Moreover, the lender does not have to contact you or give prior notice. With so many other great laws in place, it’s strange why this one is still on the books. For student loans though, California sets the standard. Government grants limit you to public colleges and universities, but California’s debt forgiveness and subsidy programs for low-income families make it one of the most affordable states in the country to attend university.

Elite Personal Finance

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