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 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 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.

CityAmount AllowedAPR AllowedStatus
Los Angeles$300460%Legal
San Diego$300460%Legal
San Jose$300460%Legal
San Francisco$300460%Legal
Fresno$300460%Legal
Sacramento$300460%Legal
Long Beach$300460%Legal
Oakland$300460%Legal
Bakersfield$300460%Legal
Anaheim$300460%Legal
Santa Ana$300460%Legal
Riverside$300460%Legal
Stockton$300460%Legal
Chula Vista$300460%Legal
Irvine$300460%Legal
Fremont$300460%Legal
San Bernardino$300460%Legal
Modesto$300460%Legal
Santa Clarita$300460%Legal
Fontana$300460%Legal
Oxnard$300460%Legal
Moreno Valley$300460%Legal
Huntington Beach$300460%Legal
Glendale$300460%Legal
Santa Rosa$300460%Legal
Rancho Cucamonga$300460%Legal
Oceanside$300460%Legal
Garden Grove$300460%Legal
Ontario$300460%Legal
Elk Grove$300460%Legal
Corona$300460%Legal
Lancaster$300460%Legal
Hayward$300460%Legal
Palmdale$300460%Legal
Salinas$300460%Legal
Pomona$300460%Legal
Sunnyvale$300460%Legal
Escondido$300460%Legal
Torrance$300460%Legal
Pasadena$300460%Legal
Orange$300460%Legal
Fullerton$300460%Legal
Roseville$300460%Legal
Visalia$300460%Legal
Concord$300460%Legal
Thousand Oaks$300460%Legal
Santa Clara$300460%Legal
Simi Valley$300460%Legal
Victorville$300460%Legal
Vallejo$300460%Legal
Berkeley$300460%Legal
East Los Angeles$300460%Legal
El Monte$300460%Legal
Fairfield$300460%Legal
Carlsbad$300460%Legal
Costa Mesa$300460%Legal
Downey$300460%Legal
Temecula$300460%Legal
Murrieta$300460%Legal
Antioch$300460%Legal
Inglewood$300460%Legal
San Buenaventura (Ventura)$300460%Legal
Richmond$300460%Legal
West Covina$300460%Legal
Clovis$300460%Legal
Daly City$300460%Legal
Norwalk$300460%Legal
Santa Maria$300460%Legal
Burbank city$300460%Legal
San Mateo$300460%Legal
Jurupa Valley$300460%Legal
El Cajon$300460%Legal
Rialto$300460%Legal
Arden-Arcade$300460%Legal
Vista$300460%Legal
Vacaville$300460%Legal
Compton$300460%Legal
Mission Viejo$300460%Legal
South Gate$300460%Legal
San Marcos$300460%Legal
Hesperia$300460%Legal
Carson$300460%Legal
Santa Monica$300460%Legal
Chico$300460%Legal
Westminster$300460%Legal
Redding$300460%Legal
Santa Barbara$300460%Legal
San Leandro$300460%Legal
Livermore$300460%Legal
Tracy$300460%Legal
Menifee$300460%Legal
Indio$300460%Legal
Chino$300460%Legal
Hawthorne$300460%Legal
Citrus Heights$300460%Legal
Whittier$300460%Legal
Newport Beach$300460%Legal
Redwood City$300460%Legal
Alhambra$300460%Legal
Hemet$300460%Legal
Lake Forest$300460%Legal
Buena Park$300460%Legal
Merced$300460%Legal
Mountain View city$300460%Legal
Pleasanton$300460%Legal
Lakewood$300460%Legal
Tustin$300460%Legal
Napa$300460%Legal
Chino Hills$300460%Legal
Alameda$300460%Legal
Bellflower$300460%Legal
Milpitas$300460%Legal
Manteca$300460%Legal
Folsom$300460%Legal
Upland$300460%Legal
Perris$300460%Legal
Baldwin Park$300460%Legal
San Ramon$300460%Legal
Union City$300460%Legal
Apple Valley$300460%Legal
Turlock$300460%Legal
Rancho Cordova$300460%Legal
Lynwood$300460%Legal
Redlands$300460%Legal
Pittsburg$300460%Legal
Walnut Creek$300460%Legal
Davis$300460%Legal
Yorba Linda$300460%Legal
Redondo Beach$300460%Legal
Camarillo$300460%Legal
South San Francisco$300460%Legal
Palo Alto$300460%Legal
Yuba City$300460%Legal
Laguna Niguel$300460%Legal
San Clemente$300460%Legal
Lodi$300460%Legal
Carmichael$300460%Legal
Madera$300460%Legal
Santa Cruz$300460%Legal
Florence-Graham$300460%Legal
Lake Elsinore$300460%Legal
Pico Rivera$300460%Legal
Castro Valley$300460%Legal
Rocklin$300460%Legal
Montebello$300460%Legal
Tulare$300460%Legal
Encinitas$300460%Legal
La Habra$300460%Legal
Eastvale$300460%Legal
National City$300460%Legal
Monterey Park$300460%Legal
Petaluma$300460%Legal
Cupertino$300460%Legal
Brentwood$300460%Legal
South Whittier$300460%Legal
Gardena$300460%Legal
Porterville$300460%Legal
La Mesa$300460%Legal
Dublin$300460%Legal
Woodland$300460%Legal
San Rafael$300460%Legal
Huntington Park$300460%Legal
Arcadia$300460%Legal
Santee$300460%Legal
Diamond Bar$300460%Legal
Fountain Valley$300460%Legal
Hanford$300460%Legal
Gilroy$300460%Legal
Novato$300460%Legal
Hacienda Heights$300460%Legal
Highland$300460%Legal
Paramount$300460%Legal
Rosemead$300460%Legal
Colton$300460%Legal
Cathedral City$300460%Legal
Watsonville$300460%Legal
Yucaipa$300460%Legal
West Sacramento$300460%Legal
Delano$300460%Legal
Palm Desert$300460%Legal
Placentia$300460%Legal
Glendora$300460%Legal
Aliso Viejo$300460%Legal
Rowland Heights$300460%Legal
Cerritos$300460%Legal
Poway$300460%Legal
Azusa$300460%Legal
Florin$300460%Legal
La Mirada$300460%Legal
North Highlands$300460%Legal
Cypress$300460%Legal
Rancho Santa Margarita$300460%Legal
Covina$300460%Legal
Ceres$300460%Legal
Palm Springs$300460%Legal
San Jacinto$300460%Legal
Antelope$300460%Legal
San Luis Obispo$300460%Legal
Lincoln$300460%Legal
Newark$300460%Legal
El Dorado Hills$300460%Legal
Beaumont$300460%Legal
Altadena$300460%Legal
Coachella$300460%Legal
Danville$300460%Legal
El Centro$300460%Legal
Morgan Hill$300460%Legal
Lompoc$300460%Legal
San Bruno$300460%Legal
Rohnert Park$300460%Legal
Bell Gardens$300460%Legal
Campbell$300460%Legal
Brea$300460%Legal
Rancho Palos Verdes$300460%Legal
La Quinta$300460%Legal
Oakley$300460%Legal
La Puente$300460%Legal
San Gabriel$300460%Legal
Calexico$300460%Legal
Culver City$300460%Legal
Pacifica$300460%Legal
Montclair$300460%Legal
Stanton$300460%Legal
Los Banos$300460%Legal
Martinez$300460%Legal
Hollister$300460%Legal
La Presa$300460%Legal
Monrovia$300460%Legal
West Hollywood$300460%Legal
Moorpark$300460%Legal
Wildomar$300460%Legal
Temple City$300460%Legal
Claremont$300460%Legal
San Juan Capistrano$300460%Legal
Bell$300460%Legal
Manhattan Beach$300460%Legal
Pleasant Hill$300460%Legal
Orangevale$300460%Legal
Oildale$300460%Legal
Beverly Hills$300460%Legal
San Dimas$300460%Legal
Seaside$300460%Legal
Dana Point$300460%Legal
Menlo Park$300460%Legal
French Valley$300460%Legal
Foster City$300460%Legal
Foothill Farms$300460%Legal
Westmont$300460%Legal
Adelanto$300460%Legal
Fallbrook$300460%Legal
Lawndale$300460%Legal
La Verne$300460%Legal
El Paso de Robles (Paso Robles)$300460%Legal
Spring Valley CDP$300460%Legal
Laguna Hills$300460%Legal
Fair Oaks$300460%Legal
Banning$300460%Legal
Los Gatos$300460%Legal
Saratoga$300460%Legal
San Pablo$300460%Legal
Goleta$300460%Legal
Los Altos$300460%Legal
Orcutt$300460%Legal
Burlingame$300460%Legal
Ladera Ranch$300460%Legal
Santa Paula$300460%Legal
San Carlos$300460%Legal
Atascadero$300460%Legal
Walnut$300460%Legal
East Palo Alto$300460%Legal
Suisun City$300460%Legal
Atwater$300460%Legal
Ridgecrest$300460%Legal
Monterey$300460%Legal
Desert Hot Springs$300460%Legal
Vineyard$300460%Legal
Benicia$300460%Legal
Isla Vista$300460%Legal
Maywood$300460%Legal
Windsor$300460%Legal
Imperial Beach$300460%Legal
West Whittier-Los Nietos$300460%Legal
Belmont$300460%Legal
Eureka$300460%Legal
Lemon Grove$300460%Legal
Temescal Valley$300460%Legal
Wasco$300460%Legal
Norco$300460%Legal
Paradise town$300460%Legal
Twentynine Palms$300460%Legal
Lafayette$300460%Legal
Brawley$300460%Legal
South Pasadena$300460%Legal
Lemoore$300460%Legal
Galt$300460%Legal
Soledad$300460%Legal
Reedley$300460%Legal
San Lorenzo$300460%Legal
Hercules$300460%Legal
Valinda$300460%Legal
El Cerrito city$300460%Legal
Bay Point$300460%Legal
Sanger$300460%Legal
North Tustin$300460%Legal
Selma$300460%Legal
San Fernando$300460%Legal
Seal Beach$300460%Legal
Riverbank$300460%Legal
Loma Linda$300460%Legal
Calabasas$300460%Legal
Cudahy$300460%Legal
Dinuba$300460%Legal
Barstow$300460%Legal
Ashland$300460%Legal
West Puente Valley$300460%Legal
Coronado$300460%Legal
Rosemont$300460%Legal
Laguna Beach$300460%Legal
Winter Gardens$300460%Legal
West Rancho Dominguez$300460%Legal
Millbrae$300460%Legal
Oakdale$300460%Legal
Lakeside$300460%Legal
West Carson$300460%Legal
Granite Bay$300460%Legal
Willowbrook$300460%Legal
Corcoran$300460%Legal
Port Hueneme$300460%Legal
South Lake Tahoe$300460%Legal
Patterson and Bloomington$300460%Legal
Duarte$300460%Legal
Marina$300460%Legal
Yucca Valley$300460%Legal
Lathrop$300460%Legal
Lennox$300460%Legal
Rancho San Diego$300460%Legal
Arvin$300460%Legal
South El Monte$300460%Legal
East Hemet$300460%Legal
Agoura Hills$300460%Legal
Lomita$300460%Legal
South San Jose Hills$300460%Legal
La Cañada Flintridge$300460%Legal
American Canyon$300460%Legal
Ramona$300460%Legal
Rosamond$300460%Legal
Mead Valley$300460%Legal
Cameron Park$300460%Legal
Dixon$300460%Legal
Albany$300460%Legal
Hermosa Beach$300460%Legal
Casa de Oro-Mount Helix$300460%Legal
Prunedale$300460%Legal
Blythe$300460%Legal
La Crescenta-Montrose$300460%Legal
Orinda$300460%Legal
Stevenson Ranch$300460%Legal
Linda$300460%Legal
Pinole$300460%Legal
Oroville$300460%Legal
Shafter$300460%Legal
Castaic$300460%Legal
Chowchilla$300460%Legal
Rancho Mirage$300460%Legal
Arcata$300460%Legal
Arroyo Grande$300460%Legal
Santa Fe Springs$300460%Legal
Bostonia$300460%Legal
Nipomo$300460%Legal
Moraga$300460%Legal
Live Oak$300460%Legal
Woodcrest$300460%Legal
Greenfield city$300460%Legal
Imperial$300460%Legal
Vincent$300460%Legal
Valle Vista$300460%Legal
El Segundo$300460%Legal
Artesia$300460%Legal
Rosedale$300460%Legal
East Rancho Dominguez$300460%Legal
McKinleyville$300460%Legal
Coalinga$300460%Legal
Cherryland$300460%Legal
Truckee$300460%Legal
Los Osos$300460%Legal
Laguna Woods$300460%Legal
Walnut Park$300460%Legal
Discovery Bay$300460%Legal
Ukiah$300460%Legal
East San Gabriel$300460%Legal
Avocado Heights$300460%Legal
Parkway$300460%Legal
La Palma$300460%Legal
Stanford$300460%Legal
Mountain House$300460%Legal
Fillmore$300460%Legal
Pacific Grove$300460%Legal
Phelan$300460%Legal
Rio Linda$300460%Legal
Ripon$300460%Legal
Clearlake$300460%Legal
Alamo$300460%Legal
Alpine$300460%Legal
Lamont$300460%Legal
Susanville$300460%Legal
Parlier$300460%Legal
Coto de Caza$300460%Legal
Salida$300460%Legal
Kerman$300460%Legal
North Fair Oaks$300460%Legal
McFarland$300460%Legal
Hawaiian Gardens$300460%Legal
Mill Valley$300460%Legal
Red Bluff$300460%Legal
Lemon Hill$300460%Legal
Livingston$300460%Legal
El Sobrante CDP$300460%Legal
Auburn$300460%Legal
King City$300460%Legal
El Sobrante$300460%Legal
Oak Park$300460%Legal
Muscoy$300460%Legal
North Auburn$300460%Legal
California City$300460%Legal
Carpinteria$300460%Legal
Grover Beach$300460%Legal
Palos Verdes Estates$300460%Legal
Sun Village$300460%Legal
Solana Beach$300460%Legal
Bonita$300460%Legal
Big Bear City$300460%Legal
Olivehurst$300460%Legal
San Marino$300460%Legal
Lindsay$300460%Legal
Lakeland Village$300460%Legal
Commerce$300460%Legal
Grass Valley$300460%Legal
Avenal$300460%Legal
Malibu$300460%Legal
Tehachapi$300460%Legal
Half Moon Bay$300460%Legal
Magalia$300460%Legal
San Anselmo$300460%Legal
Grand Terrace$300460%Legal
Larkspur$300460%Legal
Marysville$300460%Legal
Fortuna$300460%Legal
Diamond Springs$300460%Legal
Clayton$300460%Legal
Scotts Valley$300460%Legal
Kingsburg$300460%Legal
Healdsburg$300460%Legal
Alum Rock$300460%Legal
Winton$300460%Legal
Delhi$300460%Legal
Emeryville$300460%Legal
Los Alamitos$300460%Legal
View Park-Windsor Hills$300460%Legal
Signal Hill$300460%Legal
Lake Los Angeles$300460%Legal
Camp Pendleton South$300460%Legal
Home Gardens$300460%Legal
Hillsborough$300460%Legal
Mendota$300460%Legal
Piedmont$300460%Legal
Tamalpais-Homestead Valley$300460%Legal
Rossmoor$300460%Legal
Newman$300460%Legal
Canyon Lake$300460%Legal
Sonoma$300460%Legal
Sierra Madre$300460%Legal
Soquel$300460%Legal
Placerville$300460%Legal
La Riviera$300460%Legal
Citrus$300460%Legal
Farmersville$300460%Legal
Garden Acres$300460%Legal
Morro Bay$300460%Legal
Exeter$300460%Legal
Rodeo$300460%Legal
East Whittier$300460%Legal
San Diego Country Estates$300460%Legal
Fairview$300460%Legal
Anderson$300460%Legal
Quartz Hill$300460%Legal
Shasta Lake$300460%Legal
Capitola$300460%Legal
Del Aire$300460%Legal
Madera Acres$300460%Legal
Corte Madera$300460%Legal
Blackhawk$300460%Legal
Mentone$300460%Legal
Country Club$300460%Legal
Rio del Mar$300460%Legal
Marina del Rey$300460%Legal
Lake Arrowhead$300460%Legal
Charter Oak$300460%Legal
Oak Hills$300460%Legal
Orange Cove$300460%Legal
Golden Hills$300460%Legal
Crestline$300460%Legal
Taft$300460%Legal
Good Hope$300460%Legal
Tiburon$300460%Legal
Fort Irwin$300460%Legal
Valley Center$300460%Legal
Bonadelle Ranchos-Madera Ranchos$300460%Legal
Larkfield-Wikiup$300460%Legal
Waterford$300460%Legal
Cloverdale$300460%Legal
Earlimart$300460%Legal
August$300460%Legal
Calimesa$300460%Legal
South San Gabriel$300460%Legal
Live Oak city$300460%Legal
Rio Vista$300460%Legal
Montecito$300460%Legal
West Athens$300460%Legal
Los Altos Hills$300460%Legal
Westlake Village$300460%Legal
Gonzales$300460%Legal
Midway City$300460%Legal
Firebaugh$300460%Legal
Rolling Hills Estates$300460%Legal
Pismo Beach$300460%Legal
Alondra Park$300460%Legal
Mammoth Lakes$300460%Legal
Templeton$300460%Legal
Camp Pendleton North$300460%Legal
Boyes Hot Springs$300460%Legal
Vandenberg Village$300460%Legal
Thousand Palms$300460%Legal
Cherry Valley$300460%Legal
Spring Valley Lake$300460%Legal
Oceano$300460%Legal
Sebastopol$300460%Legal
Woodlake$300460%Legal
Piñon Hills$300460%Legal
Fairfax$300460%Legal
Ojai$300460%Legal
Yreka$300460%Legal
Orland$300460%Legal
Corning$300460%Legal
Gold River$300460%Legal
Escalon$300460%Legal
Cotati$300460%Legal
Calipatria$300460%Legal
Topanga$300460%Legal
Orosi$300460%Legal
Ione$300460%Legal
University of California-Davis$300460%Legal
Hughson$300460%Legal
Oroville East$300460%Legal
Plumas Lake$300460%Legal
Guadalupe$300460%Legal
Homeland$300460%Legal
Franklin CDP$300460%Legal
Fort Bragg$300460%Legal
Alta Sierra$300460%Legal
South Monrovia Island$300460%Legal
Interlaken$300460%Legal
Atherton and Acton$300460%Legal
Mecca$300460%Legal
Sausalito$300460%Legal
Winters$300460%Legal
Ladera Heights$300460%Legal
Ben Lomond$300460%Legal
Lemoore Station$300460%Legal
Rancho Calaveras$300460%Legal
Nuevo$300460%Legal
Huron$300460%Legal
San Martin$300460%Legal
Joshua Tree$300460%Legal
Desert Palms$300460%Legal
Kentfield$300460%Legal
Mira Monte$300460%Legal
Pollock Pines$300460%Legal
Lake Mathews$300460%Legal
Lucas Valley-Marinwood$300460%Legal
Bermuda Dunes$300460%Legal
Loomis$300460%Legal
Thermalito$300460%Legal
Castroville$300460%Legal
Crescent City$300460%Legal
East Porterville$300460%Legal
Gridley$300460%Legal
El Rio$300460%Legal
Contra Costa Centre$300460%Legal
Saranap$300460%Legal
Holtville$300460%Legal
Fowler$300460%Legal
East Foothills$300460%Legal
Pleasure Point$300460%Legal
Fruitridge Pocket$300460%Legal
Keyes$300460%Legal
St. Helena$300460%Legal
Hidden Valley Lake$300460%Legal
Willows$300460%Legal
Eucalyptus Hills$300460%Legal
East Pasadena$300460%Legal
Silver Lakes$300460%Legal
Villa Park$300460%Legal
West Modesto$300460%Legal
Colusa$300460%Legal
Las Flores$300460%Legal
Durham$300460%Legal
Hilmar-Irwin$300460%Legal
Mayflower Village$300460%Legal
Elverta$300460%Legal
El Granada$300460%Legal
Aptos$300460%Legal
Gustine and Cutler$300460%Legal
Strawberry$300460%Legal
Greenacres$300460%Legal
Solvang$300460%Legal
Cambria$300460%Legal
Yosemite Lakes$300460%Legal
Twin Lakes$300460%Legal
Salton City$300460%Legal
Rancho Murieta$300460%Legal
Palermo$300460%Legal
Woodside$300460%Legal
Old Fig Garden$300460%Legal
El Cerrito$300460%Legal
Bear Valley Springs$300460%Legal
Lucerne Valley$300460%Legal
Kensington$300460%Legal
Tara Hills$300460%Legal
Jamul$300460%Legal
La Habra Heights$300460%Legal
Bret Harte$300460%Legal
Indian Wells$300460%Legal
Wilton$300460%Legal
Myrtletown$300460%Legal
Broadmoor$300460%Legal
Calistoga$300460%Legal
Dos Palos$300460%Legal
Burbank$300460%Legal
Big Bear Lake$300460%Legal
Williams$300460%Legal
Lake Wildwood$300460%Legal
Denair$300460%Legal
Buellton$300460%Legal
Mayfair$300460%Legal
Garnet$300460%Legal
Highgrove$300460%Legal
Needles$300460%Legal
Willits$300460%Legal
Lake San Marcos$300460%Legal
Lakeport$300460%Legal
Sonora$300460%Legal
Guerneville$300460%Legal
Santa Venetia$300460%Legal
Lincoln Village$300460%Legal
Oak View$300460%Legal
Boulder Creek$300460%Legal
Fetters Hot Springs-Agua Caliente$300460%Legal
Jackson$300460%Legal
Brisbane$300460%Legal
Heber$300460%Legal
Emerald Lake Hills and Portola Valley$300460%Legal
Highlands-Baywood Park$300460%Legal
Bonsall$300460%Legal
Sunnyside$300460%Legal
Planada$300460%Legal
Mather$300460%Legal
Santa Ynez$300460%Legal
Ford City$300460%Legal
Pacheco$300460%Legal
Del Mar$300460%Legal
Copperopolis$300460%Legal
Running Springs$300460%Legal
Carmel Valley Village$300460%Legal
Phoenix Lake and Wrightwood$300460%Legal
Humboldt Hill$300460%Legal
Mountain View Acres$300460%Legal
North Richmond$300460%Legal
Mojave$300460%Legal
Harbison Canyon$300460%Legal
Ivanhoe$300460%Legal
Del Monte Forest$300460%Legal
McSwain and Lake of the Pines$300460%Legal
West Menlo Park$300460%Legal
Bystrom$300460%Legal
Morada$300460%Legal
North El Monte$300460%Legal
San Joaquin$300460%Legal
Clearlake Riviera$300460%Legal
Vine Hill$300460%Legal
Lenwood$300460%Legal
Woodbridge and Shingle Springs$300460%Legal
French Camp$300460%Legal
Carmel-by-the-Sea$300460%Legal
Angels$300460%Legal
Felton$300460%Legal
Burney$300460%Legal
Moss Beach$300460%Legal
Camino Tassajara$300460%Legal
Mission Hills and Pixley$300460%Legal
Armona$300460%Legal
Esparto$300460%Legal
Bishop$300460%Legal
Avalon$300460%Legal
Las Lomas$300460%Legal
Wheatland$300460%Legal
Agua Dulce$300460%Legal
Freedom$300460%Legal
Brooktrails$300460%Legal
Forestville$300460%Legal
Empire$300460%Legal
Kennedy$300460%Legal
Arbuckle$300460%Legal
Riverdale and Stallion Springs$300460%Legal
Reliez Valley$300460%Legal
Hoopa$300460%Legal
Pajaro$300460%Legal
Greenfield$300460%Legal
Meiners Oaks$300460%Legal
Mono Vista$300460%Legal
Auburn Lake Trails$300460%Legal
Monte Sereno$300460%Legal
Campo$300460%Legal
Meadow Vista$300460%Legal
Lake Isabella$300460%Legal
Squaw Valley$300460%Legal
Day Valley$300460%Legal
Valley Springs$300460%Legal
Oakhurst, Angwin, and El Verano$300460%Legal
Tarpey Village and Lockeford$300460%Legal
Hidden Meadows$300460%Legal
Rio Dell$300460%Legal
Vandenberg AFB$300460%Legal
Cabazon$300460%Legal
Casa Conejo$300460%Legal
Loyola$300460%Legal
East Oakdale$300460%Legal
Desert Edge$300460%Legal
Kelseyville$300460%Legal
Goshen$300460%Legal
Terra Bella$300460%Legal
Cottonwood$300460%Legal
Mount Shasta$300460%Legal
Lake California$300460%Legal
Morongo Valley$300460%Legal
Weaverville$300460%Legal
Tipton$300460%Legal
East Richmond Heights$300460%Legal
Seacliff$300460%Legal
South Oroville$300460%Legal
Santa Rosa Valley$300460%Legal
Marin City$300460%Legal
Anza$300460%Legal
Pine Hills$300460%Legal
North Lakeport$300460%Legal
Coronita$300460%Legal
Nevada City$300460%Legal
Rollingwood$300460%Legal
Crockett and Cambrian Park$300460%Legal
Loma Rica$300460%Legal
San Andreas$300460%Legal
Ridgemark$300460%Legal
San Antonio Heights$300460%Legal
Meadowbrook$300460%Legal
Cutten$300460%Legal
Montalvin Manor$300460%Legal
Oasis$300460%Legal
Bonny Doon$300460%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 Union12% – 18%$5,000
Federal Employees West Federal Credit Union10,90% – 18%$8,000
Los Angeles Police Federal Credit Union9.95% – 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

NameCitySize (Millions)Members
THE GOLDEN 1 CREDIT UNIONSacramento$7,508.95603849
SCHOOLSFIRST FEDERAL CREDIT UNIONSanta Ana$8,849.06504166
FIRST TECHNOLOGY FEDERAL CREDIT UNIONPalo Alto$5,134.91342683
PATELCO CREDIT UNIONPleasanton$3,612.14271614
KINECTA FEDERAL CREDIT UNIONManhattan Beach$3,115.83236734
SAN DIEGO COUNTY CREDIT UNIONSan Diego$5,460.19225362
WESCOM CENTRAL CREDIT UNIONPasadena$2,440.43225216
REDWOOD CREDIT UNIONSanta Rosa$1,928.50210689
EDUCATIONAL EMPLOYEES CREDIT UNIONFresno$1,902.93197883
KERN SCHOOLS FEDERAL CREDIT UNIONBakersfield$1,232.86191641
TRAVIS CREDIT UNIONVacaville$1,920.13177076
SAFE CREDIT UNIONNorth Highlands$1,789.73155596
MISSION FEDERAL CREDIT UNIONSan Diego$2,174.92153708
WESTERN FEDERAL CREDIT UNIONManhattan Beach$1,663.07152931
ARROWHEAD CENTRAL CREDIT UNIONSan Bernardino$660.10119139
CALIFORNIA COAST CREDIT UNIONSan Diego$1,633.08117207
LBS FINANCIAL CREDIT UNIONLong Beach$1,023.88112201
SCHOOLS FINANCIAL CREDIT UNIONSacramento$1,326.83111859
LOCKHEED FEDERAL CREDIT UNIONBurbank$3,199.00107380
PARTNERS FEDERAL CREDIT UNIONBurbank$1,026.1496898
ALTURA CREDIT UNIONRiverside$642.9795990
PROVIDENT CREDIT UNIONRedwood City$1,516.2295516
STAR ONE CREDIT UNIONSunnyvale$5,931.8988852
MERIWEST CREDIT UNIONSan Jose$1,066.3083076
NORTH ISLAND FINANCIAL CREDIT UNIONSan Diego$1,057.4482730
ORANGE COUNTY’S CREDIT UNIONSanta Ana$988.8680461
NUVISION FEDERAL CREDIT UNIONHuntington Beach$1,163.3076698
OPERATING ENGINEERS LOCAL UNION #3 FEDERAL CREDIT UNIONLivermore$777.8476640
PACIFIC MARINE CREDIT UNIONOceanside$612.0174677
CHEVRON FEDERAL CREDIT UNIONOakland$1,741.4374414
TECHNOLOGY CREDIT UNIONSan Jose$1,559.2772343
SAN MATEO CREDIT UNIONRedwood City$649.1470546
CALIFORNIA CREDIT UNIONGlendale$1,042.7069057
FIRST FINANCIAL CREDIT UNIONWest Covina$447.9268867
PREMIER AMERICA CREDIT UNIONChatsworth$1,315.0264181
FIRST ENTERTAINMENT CREDIT UNIONLos Angeles$920.6561507
COASTHILLS FEDERAL CREDIT UNIONLompoc$633.3160377
PACIFIC SERVICE CREDIT UNIONWalnut Creek$1,062.3859882
SIERRA CENTRAL CREDIT UNIONYuba City$617.2559199
XCEED FINANCIAL FEDERAL CREDIT UNIONEl Segundo$756.1559059
FIRST CITY CREDIT UNIONLos Angeles$463.4158194
USC CREDIT UNIONLos Angeles$349.1657975
HONDA FEDERAL CREDIT UNIONTorrance$564.0757436
VALLEY FIRST CREDIT UNIONModesto$383.0154717
BAY FEDERAL CREDIT UNIONCapitola$650.9454589
VENTURA COUNTY CREDIT UNIONVentura$566.9254459
COAST CENTRAL CREDIT UNIONEureka$929.6053890
AMERICAN FIRST CREDIT UNIONLa Habra$513.6053161
FINANCIAL PARTNERS CREDIT UNIONDowney$740.3750149
NORTHROP GRUMMAN FEDERAL CREDIT UNIONGardena$879.3249642
LOS ANGELES FEDERAL CREDIT UNIONGlendale$724.2749554
STANFORD FEDERAL CREDIT UNIONPalo Alto$1,365.5149030
ALTAONE FEDERAL CREDIT UNIONRidgecrest$538.9748139
POINT LOMA CREDIT UNIONSan Diego$440.3648097
FRESNO COUNTY FEDERAL CREDIT UNIONFresno$443.1647154
UNIVERSITY & STATE EMPLOYEES CREDIT UNIONSan Diego$729.8847066
SUN COMMUNITY FEDERAL CREDIT UNIONEl Centro$270.8046423
1ST UNITED SERVICES CREDIT UNIONPleasanton$795.2446332
SANTA CLARA COUNTY FEDERAL CREDIT UNIONSan Jose$490.1344052
SAFE 1 CREDIT UNIONBakersfield$330.8043433
LOS ANGELES POLICE FEDERAL CREDIT UNIONLos Angeles$742.3943317
CREDIT UNION OF SOUTHERN CALIFORNIAWhittier$552.2342868
SOUTHLAND CREDIT UNIONDowney$486.2342243
VONS EMPLOYEES FEDERAL CREDIT UNIONEl Monte$370.8641814
FARMERS INSURANCE GROUP FEDERAL CREDIT UNIONLos Angeles$582.9341344
F & A FEDERAL CREDIT UNIONMonterey Park$1,169.5641070
SCE FEDERAL CREDIT UNIONEl Monte$502.6740485
KEYPOINT CREDIT UNIONSanta Clara$751.9239798
ALLIANCE CREDIT UNIONSan Jose$345.7239156
TELESIS COMMUNITY CREDIT UNIONChatsworth$318.3137659
SAN FRANCISCO FIRE CREDIT UNIONSan Francisco$741.0336331
WATER AND POWER COMMUNITY CREDIT UNIONLos Angeles$464.6936167
MERCED SCHOOL EMPLOYEES FEDERAL CREDIT UNION (MSEFCU)Merced$368.3435628
LA FINANCIAL FEDERAL CREDIT UNIONPasadena$347.9035349
COMMONWEALTH CENTRAL CREDIT UNIONSan Jose$339.0035004
TUCOEMAS FEDERAL CREDIT UNIONVisalia$199.0434624
UNIVERSITY CREDIT UNIONLos Angeles$440.1734075
SESLOC FEDERAL CREDIT UNIONSan Luis Obispo$539.2533413
FINANCIAL CENTER CREDIT UNIONStockton$326.5332018
VISTERRA CREDIT UNIONMoreno Valley$329.7831999
S.F. POLICE CREDIT UNIONSan Francisco$695.0731224
MOCSE FEDERAL CREDIT UNIONModesto$189.4230571
AMERICA’S CHRISTIAN CREDIT UNIONGlendora$250.2430569
SAN FRANCISCO FEDERAL CREDIT UNIONSan Francisco$791.1630360
CALTECH EMPLOYEES FEDERAL CREDIT UNIONLa Canada$1,122.7430248
PRIORITY ONE CREDIT UNIONSouth Pasadena$153.4629655
CHRISTIAN COMMUNITY CREDIT UNIONSan Dimas$521.8729530
LOS ANGELES FIREMEN’S CREDIT UNIONLos Angeles$816.2129226
SKYONE FEDERAL CREDIT UNIONHawthorne$341.2928264
CONTRA COSTA FEDERAL CREDIT UNIONMartinez$592.3127451
AFTRA-SAG FEDERAL CREDIT UNIONBurbank$202.0526894
SACRAMENTO CREDIT UNIONSacramento$340.4724924
SAFEAMERICA CREDIT UNIONPleasanton$282.4724147
UNCLE CREDIT UNIONLivermore$239.7023964
CABRILLO CREDIT UNIONSan Diego$185.0423341
SCHOOLS FEDERAL CREDIT UNIONCompton$107.2222286
PACIFIC OAKS FEDERAL CREDIT UNIONCamarillo$276.8021828
KERN FEDERAL CREDIT UNIONBakersfield$205.6821827
CENTRAL STATE CREDIT UNIONStockton$145.7321083
EAGLE COMMUNITY CREDIT UNIONLake Forest$201.0220253
CBC FEDERAL CREDIT UNIONOxnard$373.0620126
FOOTHILL FEDERAL CREDIT UNIONArcadia$270.2419730
EDWARDS FEDERAL CREDIT UNIONEdwards Afb$143.5019185
MONTEREY CREDIT UNIONMonterey$186.8218691
FIRST U.S. COMMUNITY CREDIT UNIONSacramento$240.2318626
UNION YES FEDERAL CREDIT UNIONOrange$54.1418171
E-CENTRAL CREDIT UNIONPasadena$166.6917473
MEMBERS 1ST CREDIT UNIONRedding$96.1817057
HERITAGE COMMUNITY CREDIT UNIONRancho Cordova$197.7516767
MENDO LAKE CREDIT UNIONUkiah$117.0916444
CHAFFEY FEDERAL CREDIT UNIONOntario$98.3916229
YOLO FEDERAL CREDIT UNIONWoodland$192.9716212
SAN DIEGO METROPOLITAN CREDIT UNIONSan Diego$248.1715825
BURBANK CITY FEDERAL CREDIT UNIONBurbank$238.0515532
POPA FEDERAL CREDIT UNIONCerritos$163.6515405
FISCAL CREDIT UNIONGlendale$134.2515024
SEA WEST COAST GUARD FEDERAL CREDIT UNIONOakland$333.4614996
ALL VALLEY FEDERAL CREDIT UNIONLancaster$95.0514701
PACIFIC POSTAL CREDIT UNIONSan Jose$188.0014618
I.L.W.U. CREDIT UNIONLos Angeles$118.6714502
UNITED LOCAL CREDIT UNIONFresno$109.1114088
NATIONAL 1ST CREDIT UNIONSanta Clara$200.0813898
CAHP CREDIT UNIONSacramento$112.8813786
CALIFORNIA BEAR CREDIT UNIONLos Angeles$107.3213619
BAY CITIES CREDIT UNIONHayward$62.7013528
CHEVRON VALLEY CREDIT UNIONBakersfield$118.1913395
PACIFIC COMMUNITY CREDIT UNIONFullerton$186.4813301
COMMUNITY FIRST CREDIT UNIONSanta Rosa$130.0513142
DOWNEY FEDERAL CREDIT UNIONDowney$168.6113109
FIRST IMPERIAL CREDIT UNIONEl Centro$67.6513017
SOUTH WESTERN FEDERAL CREDIT UNIONLa Habra$141.8012937
ALTA VISTA CREDIT UNIONSan Bernardino$142.1712871
EVANGELICAL CHRISTIAN CREDIT UNIONBrea$1,145.6712605
FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNIONHanford$103.1312464
SPECTRUM FEDERAL CREDIT UNIONSan Francisco$175.8112401
CAMINO FEDERAL CREDIT UNIONMontebello$112.9112274
UME FEDERAL CREDIT UNIONBurbank$137.1212079
COOPERATIVE CENTER FEDERAL CREDIT UNIONBerkeley$94.6112016
CLEARPATH FEDERAL CREDIT UNIONGlendale$82.4311998
SAN JOSE CREDIT UNIONSan Jose$138.0611885
GLENDALE AREA SCHOOLS FEDERAL CREDIT UNIONGlendale$316.9411725
SANTA BARBARA TEACHERS FEDERAL CREDIT UNIONSanta Barbara$183.1311614
PASADENA FEDERAL CREDIT UNIONPasadena$134.6711390
CENTRAL COAST FEDERAL CREDIT UNIONSeaside$114.7311308
SOLANO FIRST FEDERAL CREDIT UNIONFairfield$106.4311281
MATADORS COMMUNITY CREDIT UNIONLos Angeles$129.4511233
PREMIER COMMUNITY CREDIT UNIONStockton$117.8111104
RANCHO FEDERAL CREDIT UNIONDowney$76.6510983
MERCO CREDIT UNIONMerced$76.7410975
TULARE COUNTY FEDERAL CREDIT UNIONTulare$71.5110928
AEROSPACE FEDERAL CREDIT UNIONLos Angeles$339.7110718
CAREPOINT FEDERAL CREDIT UNIONAnaheim$42.5810623
HARBOR FEDERAL CREDIT UNIONCarson$94.7610622
JACOM CREDIT UNIONLos Angeles$83.5210502
SAFEWAY LOS ANGELES FEDERAL CREDIT UNIONNorwalk$54.4810241
PASADENA SERVICE FEDERAL CREDIT UNIONPasadena$100.5510070
SANTA CRUZ COMMUNITY CREDIT UNIONSanta Cruz$96.479992
LA LOMA FEDERAL CREDIT UNIONBryn Mawr$65.989683
KINGS FEDERAL CREDIT UNIONHanford$81.159282
SAN BERNARDINO SCHOOL EMPLOYEES FEDERAL CREDIT UNIONSan Bernardino$60.479115
FIRST CALIFORNIA FEDERAL CREDIT UNIONFresno$71.809063
PACIFIC RESOURCE CREDIT UNIONLos Angeles$95.179051
CALCOM FEDERAL CREDIT UNIONTorrance$56.118878
BUTTE FEDERAL CREDIT UNIONBiggs$31.608707
STATE CENTER CREDIT UNIONFresno$73.218624
LONG BEACH CITY EMPLOYEES FEDERAL CREDIT UNIONLong Beach$335.418556
SOUTHERN CALIFORNIA POSTAL CREDIT UNIONLong Beach$73.208400
MIRAMAR FEDERAL CREDIT UNIONSan Diego$177.388339
SMW 104 FEDERAL CREDIT UNIONSan Leandro$84.318102
SEA AIR FEDERAL CREDIT UNIONSeal Beach$149.917896
PACIFIC TRANSPORTATION FEDERAL CREDIT UNIONGardena$64.577883
PRINTING INDUSTRIES CREDIT UNIONRiverside$23.967587
PARSONS FEDERAL CREDIT UNIONPasadena$243.587554
SANTA ANA FEDERAL CREDIT UNIONSanta Ana$59.147432
ALLIED HEALTHCARE FEDERAL CREDIT UNIONNewport Beach$65.427401
BIG VALLEY FEDERAL CREDIT UNIONSacramento$57.657392
MUSICIANS’ INTERGUILD CREDIT UNIONLos Angeles$81.507361
CALIFORNIA COMMUNITY CREDIT UNIONSacramento$47.447304
CD FEDERAL CREDIT UNIONConcord$76.197299
SOUTH BAY CREDIT UNIONRedondo Beach$73.877166
ONTARIO MONTCLAIR SCHOOLS FEDERAL CREDIT UNIONOntario$80.007084
COUNTY SCHOOLS FEDERAL CREDIT UNIONVentura$49.917000
TYCO FEDERAL CREDIT UNIONRedwood City$103.046937
U.P.S. EMPLOYEES FEDERAL CREDIT UNIONOntario$29.176778
TORRANCE COMMUNITY FEDERAL CREDIT UNIONTorrance$100.146777
SISKIYOU CENTRAL CU CREDIT UNIONYreka$50.726753
UNITED METHODIST FEDERAL CREDIT UNIONMontclair$77.586601
HEALTH ASSOCIATES FEDERAL CREDIT UNIONOrange$46.296532
VALLEY OAK CREDIT UNIONThree Rivers$47.146426
SD MEDICAL FEDERAL CREDIT UNIONSan Diego$71.156270
ROLLING F CREDIT UNIONTurlock$40.516263
MOKELUMNE FEDERAL CREDIT UNIONLodi$46.606196
UNIVERSAL CITY STUDIOS CREDIT UNIONNorth Hollywood$64.136149
NIKKEI CREDIT UNIONGardena$70.086096
PROSPECTORS FCU FEDERAL CREDIT UNIONDiamond Bar$59.095804
SAN JOAQUIN POWER EMPLOYEES CREDIT UNIONFresno$120.195772
SILVERADO CREDIT UNIONAngwin$43.255756
SANTA BARBARA COUNTY FEDERAL CREDIT UNIONSanta Barbara$39.135702
INLAND EMPIRE CREDIT UNIONPomona$37.765699
20TH CENTURY FOX FEDERAL CREDIT UNIONLos Angeles$45.605620
MID-CITIES FINANCIAL CREDIT UNIONCompton$23.345600
AUTO CLUB FEDERAL CREDIT UNIONCerritos$25.825481
LASSEN COUNTY FEDERAL CREDIT UNIONSusanville$59.825458
PATRIOTS FEDERAL CREDIT UNIONAliso Viejo$84.405295
PARISHIONERS FEDERAL CREDIT UNIONTorrance$37.875284
CALIFORNIA AGRIBUSINESS CREDIT UNIONBuena Park$29.555247
OLIVE VIEW EMPLOYEES FEDERAL CREDIT UNIONLos Angeles$32.045116
PARADISE VALLEY FEDERAL CREDIT UNIONNational City$76.025110
A M FEDERAL CREDIT UNIONGardena$20.485019
VA DESERT PACIFIC FEDERAL CREDIT UNIONLong Beach$57.174952
CAL STATE L.A. FEDERAL CREDIT UNIONLos Angeles$43.124945
COMMUNITY C.U. OF SO. HUMBOLDT CREDIT UNIONGarberville$55.234923
TECHNICOLOR FEDERAL CREDIT UNIONBurbank$38.364882
BOPTI FEDERAL CREDIT UNIONLos Angeles$53.644861
KAIPERM FEDERAL CREDIT UNIONWalnut Creek$61.994805
FORT BRAGG COMMUNITY FEDERAL CREDIT UNIONFort Bragg$29.394650
CALIFORNIA PACIFIC FEDERAL CREDIT UNIONConcord$41.034600
NBC UNIVERSAL EMPLOYEES FEDERAL CREDIT UNIONBurbank$62.554591
GROSSMONT SCHOOLS FEDERAL CREDIT UNIONEl Cajon$87.414558
MARIN COUNTY FEDERAL CREDIT UNIONSan Rafael$56.224482
MCKESSON EMPLOYEES FEDERAL CREDIT UNIONSan Francisco$24.634410
WESTERN HEALTHCARE FEDERAL CREDIT UNIONConcord$31.184348
GOLDEN WEST CITIES FEDERAL CREDIT UNIONGarden Grove$38.794280
CALIFORNIA STATE & FED EMP #20 CREDIT UNIONEureka$123.314263
OCEAN CREST FEDERAL CREDIT UNIONSignal Hill$34.604202
MONTEREY COUNTY EMPLOYEES CREDIT UNIONSalinas$29.894187
NORTH COUNTY CREDIT UNIONSan Diego$56.044128
49’ER FEDERAL CREDIT UNIONPlacerville$44.464127
NORTH ORANGE COUNTY CREDIT UNIONFullerton$60.624109
KAIPERM NORTH BAY FEDERAL CREDIT UNIONVallejo$33.584074
DESERT VALLEYS FEDERAL CREDIT UNIONRidgecrest$21.263932
RAFE FEDERAL CREDIT UNIONRiverside$20.833927
UNITED HEALTH CREDIT UNIONBurlingame$48.393922
ORGANIZED LABOR CREDIT UNIONModesto$16.583892
SHELL WESTERN STATES FEDERAL CREDIT UNIONMartinez$81.893883
MISSION CITY FEDERAL CREDIT UNIONSanta Clara$73.183874
INTERSTATE FEDERAL CREDIT UNIONAnaheim$22.203839
GLENDALE FEDERAL CREDIT UNIONGlendale$63.873790
SRI FEDERAL CREDIT UNIONMenlo Park$68.613786
CEDARS-SINAI FEDERAL CREDIT UNIONLos Angeles$17.803745
1ST VALLEY CREDIT UNIONSan Bernardino$33.823722
INLAND VALLEY FEDERAL CREDIT UNIONFontana$36.663669
CAPSTONE FEDERAL CREDIT UNIONAliso Viejo$36.533626
POLAM FEDERAL CREDIT UNIONRedwood City$60.903586
STAR HARBOR FEDERAL CREDIT UNIONCompton$14.443579
SAN DIEGO FIREFIGHTERS FEDERAL CREDIT UNIONSan Diego$78.673558
C B S EMPLOYEES FEDERAL CREDIT UNIONStudio City$18.573557
CALIFORNIA ADVENTIST FEDERAL CREDIT UNIONGlendale$43.013547
MY CREDIT UNIONRedwood City$34.953539
UNITED CATHOLICS FEDERAL CREDIT UNIONWest Covina$28.113538
SANTA MONICA CITY EMPLOYEES FEDERAL CREDIT UNIONSanta Monica$27.353529
ALAMEDA CREDIT UNIONAlameda$36.063481
FRESNO POLICE DEPARTMENT CREDIT UNIONFresno$43.953476
MEDIA CITY COMMUNITY CREDIT UNIONBurbank$33.843459
L. A. ELECTRICAL WORKERS CREDIT UN. CREDIT UNIONPasadena$47.163368
DIABLO VALLEY FEDERAL CREDIT UNIONConcord$32.793352
EL MONTE COMMUNITY CREDIT UNIONEl Monte$19.633313
LONG BEACH FIREMEN S CREDIT UNIONLong Beach$156.883268
DELTA SCHOOLS FEDERAL CREDIT UNIONAntioch$29.273263
SAN GABRIEL VALLEY POSTAL CREDIT UNIONCovina$15.123198
MATTEL FEDERAL CREDIT UNIONEl Segundo$25.883160
S.T.A.R. COMMUNITY CREDIT UNIONChico$33.903131
P.V.H.M.C. FEDERAL CREDIT UNIONPomona$8.983090
COAST-TEL FEDERAL CREDIT UNIONSalinas$14.703081
CORRECTIONS FEDERAL CREDIT UNIONSoledad$15.173080
AMERICAN FEDERAL CREDIT UNIONMission Hills$16.573075
MWD FEDERAL CREDIT UNIONLos Angeles$42.003049
ILWU – FSC FEDERAL CREDIT UNIONOakland$22.363031
HARBOR AREA POSTAL EMPLOYEES FEDERAL CREDIT UNIONLomita$17.963026
SONOMA COUNTY GRANGE CREDIT UNIONSanta Rosa$35.692988
EAGLE CREDIT UNIONLodi$20.492975
GOLDEN VALLEY FEDERAL CREDIT UNIONManteca$23.392967
CAL POLY FEDERAL CREDIT UNIONPomona$11.262938
HUNTINGTON BEACH CTY EMPLOYEES CREDIT UNIONHuntington Beach$44.322934
FINANCIAL BENEFITS CREDIT UNIONAlameda$19.222861
GREATER VALLEY CREDIT UNIONFresno$32.002853
UNITED FINANCIAL CREDIT UNIONWhittier$39.872830
ESCONDIDO FEDERAL CREDIT UNIONEscondido$32.472827
BOURNS EMPLOYEES FEDERAL CREDIT UNIONRiverside$36.582817
SIERRA POINT CREDIT UNIONSouth San Francisco$27.382808
L.A. HEALTHCARE FEDERAL CREDIT UNIONLos Angeles$12.832788
SANTA CRUZ COUNTY EMPLOYEES CREDIT UNIONSanta Cruz$24.952765
HANIN FEDERAL CREDIT UNIONLos Angeles$21.352749
ALLIED TRADES CREDIT UNIONStockton$21.172669
BAKERSFIELD CITY EMPLOYEES FEDERAL CREDIT UNIONBakersfield$28.152582
MENLO SURVEY FEDERAL CREDIT UNIONMenlo Park$53.782567
SEQUOIA FEDERAL CREDIT UNIONRedwood City$25.682469
MODESTO’S FIRST FEDERAL CREDIT UNIONModesto$31.642458
WHITTIER MUNICIPAL EMPLOYEES FEDERAL CREDIT UNIONWhittier$19.032454
POLAM FEDERAL CREDIT UNIONLos Angeles$48.902411
FRESNO FIRE DEPARTMENT CREDIT UNIONFresno$32.732410
EPISCOPAL COMMUNITY FEDERAL CREDIT UNIONLos Angeles$5.122404
FEDONE FEDERAL CREDIT UNIONLaguna Niguel$19.272368
SO VAL TEL FEDERAL CREDIT UNIONFresno$14.782361
UTILITY DISTRICT CREDIT UNIONOakland$27.082331
DOW GREAT WESTERN CREDIT UNIONAntioch$38.442306
FEDERAL EMPLOYEES WEST FEDERAL CREDIT UNIONLos Angeles$11.922302
UNION PACIFIC CALIFORNIA EMP FEDERAL CREDIT UNIONLos Alamitos$8.482284
CHABOT FEDERAL CREDIT UNIONDublin$68.212232
ONTARIO PUBLIC EMPLOYEES FEDERAL CREDIT UNION (OPEFCU)Ontario$16.082214
FIRESTONE FINANCIAL SERVICES CREDIT UNIONAnaheim$16.602132
SUN-PACIFIC FEDERAL CREDIT UNIONRichmond$19.852117
WESTSIDE EMPLOYEES FEDERAL CREDIT UNIONSanta Monica$11.442093
SLO CREDIT UNIONSan Luis Obispo$32.242072
VISION ONE CREDIT UNIONSacramento$51.422050
UNITED WORKERS FEDERAL CREDIT UNIONCastro Valley$6.872033
S.F. BAY AREA EDUCATORS CREDIT UNIONSan Francisco$19.822015
IBEW MEMBERS + CREDIT UNIONMartinez$18.052007
MOORE WEST FEDERAL CREDIT UNIONSan Leandro$20.661996
HAMILTON FEDERAL CREDIT UNIONNovato$25.161973
C R C FEDERAL CREDIT UNIONNorco$7.991952
PACIFIC FEDERAL CREDIT UNIONPomona$19.501928
FONTANA FEDERAL CREDIT UNIONFontana$11.301902
ANTIOCH COMMUNITY FEDERAL CREDIT UNIONAntioch$24.271888
CULVER CITY EMPLOYEES FEDERAL CREDIT UNIONCulver City$21.541886
SUNNYVALE FEDERAL CREDIT UNIONSunnyvale$18.051875
COMUNIDAD LATINA FEDERAL CREDIT UNIONSanta Ana$3.031849
INLAND FEDERAL CREDIT UNIONEl Cajon$10.731849
PROSPERITY FEDERAL CREDIT UNIONCompton$10.861847
SONOMA FEDERAL CREDIT UNIONSanta Rosa$20.221811
WESTERN VALLEY FEDERAL CREDIT UNIONRoseville$10.911796
BAKERY EMPLOYEES CREDIT UNIONMontebello$6.871781
FAMILY FEDERAL CREDIT UNIONLos Angeles$8.741775
BEVERLY HILLS CITY EMPLOYEES FEDERAL CREDIT UNIONBeverly Hills$17.421765
NORTHERN REDWOOD FEDERAL CREDIT UNIONArcata$18.011750
LUTHERAN CREDIT UNION OF AMERICABrea$28.251748
BAY MEDIA FEDERAL CREDIT UNIONSan Francisco$13.211738
DESERT COMMUNITIES FEDERAL CREDIT UNIONNeedles$18.411727
NORTHEAST COMMUNITY FEDERAL CREDIT UNIONSan Francisco$11.461708
EAST BAY POSTAL CREDIT UNIONOakland$8.691678
FAMILY 1 FEDERAL CREDIT UNIONPlacentia$24.251675
BARSTOW RAILWAY EMPLOYEES CREDIT UNIONBarstow$10.081660
CALIFORNIA CENTER CREDIT UNIONOntario$8.281649
FAIRVIEW EMPLOYEES FEDERAL CREDIT UNIONCosta Mesa$12.771625
L. A. MISSION FEDERAL CREDIT UNIONSan Fernando$5.841600
PALM SPRINGS FEDERAL CREDIT UNIONPalm Springs$13.241584
SEQUOIA HOSPITAL EMPLOYEES FEDERAL CREDIT UNIONRedwood City$13.771573
ESPEECO FEDERAL CREDIT UNIONBakersfield$8.131532
MC CLATCHY EMPLOYEES CREDIT UNIONSacramento$17.311510
MATSON EMPLOYEES FEDERAL CREDIT UNIONOakland$34.661413
CALIFORNIA LITHUANIAN CREDIT UNIONSanta Monica$81.561406
EL CAMINO HOSPITAL FEDERAL CREDIT UNIONMountain View$8.001354
COLTON FEDERAL CREDIT UNIONColton$6.471329
NEWPORT BEACH CITY EMPLOYEES FEDERAL CREDIT UNIONNewport Beach$10.371314
HEALTH CARE PROFESSIONALS OF NAPA FEDERAL CREDIT UNIONNapa$5.561234
CITY OF DOWNEY FEDERAL CREDIT UNIONDowney$7.961228
VICTOR VALLEY FEDERAL CREDIT UNIONVictorville$9.981228
WATSONVILLE HOSPITAL FEDERAL CREDIT UNIONWatsonville$10.731220
AIRCO FEDERAL CREDIT UNIONGlendale$12.921175
S F RECREATION & PARKS FEDERAL CREDIT UNIONSan Francisco$14.531162
ATCHISON VILLAGE CREDIT UNIONRichmond$6.671160
UNITED ASSOCIATION CREDIT UNIONConcord$5.061154
ATD FEDERAL CREDIT UNIONSan Jose$16.941115
ELECTRIC FEDERAL CREDIT UNIONSan Jose$10.701112
C & H SUGAR EMPLOYEES FEDERAL CREDIT UNIONCrockett$11.331106
U S ENGINEERS L. A. FEDERAL CREDIT UNIONLos Angeles$8.711099
SAN FRANCISCO LEE FEDERAL CREDIT UNIONSan Francisco$12.341096
SANTA MARIA ASSOCIATED EMPLOYEES FEDERAL CREDIT UNIONSanta Maria$3.591045
EL CAJON FEDERAL CREDIT UNIONEl Cajon$12.161040
NORTH HOLLYWOOD FEDERAL CREDIT UNIONLos Angeles$4.701017
SOUTHLAND SAVINGS FEDERAL CREDIT UNIONBuena Park$8.581000
PRINTING OFFICE EMPLOYEES CREDIT UNIONCovina$4.59992
SAN MATEO CITY EMPLOYEES FEDERAL CREDIT UNIONSan Mateo$31.00992
FRESNO GRANGERS FEDERAL CREDIT UNIONFresno$13.25981
PITTSBURG EMPLOYEES FEDERAL CREDIT UNIONPittsburg$7.20980
I.C.E. FEDERAL CREDIT UNIONInglewood$3.58970
SUNKIST EMPLOYEES FEDERAL CREDIT UNIONLos Angeles$5.40954
ST. AGNES HOSPITAL FEDERAL CREDIT UNIONFresno$4.70950
SONY SAN DIEGO EMPLOYEES FEDERAL CREDIT UNIONSan Diego$6.78942
DELUXE LABORATORIES FEDERAL CREDIT UNIONLos Angeles$9.78933
PACOIMA DEVELOPMENT FEDERAL CREDIT UNIONLos Angeles$4.11889
POMONA POSTAL FEDERAL CREDIT UNION (PPFCU)Pomona$4.25869
ARCADIA CITY FEDERAL CREDIT UNIONArcadia$5.60867
LIMONEIRA FEDERAL CREDIT UNIONSanta Paula$4.56842
S F MUNICIPAL RAILWAY EMP FEDERAL CREDIT UNIONSan Francisco$6.28815
REDLANDS CITY EMPLOYEES FEDERAL CREDIT UNIONRedlands$9.45812
RARIN FEDERAL CREDIT UNIONStockton$4.88726
CITY OF UKIAH EMPLOYEES CREDIT UNIONUkiah$4.10703
COLUMBUS CLUB FEDERAL CREDIT UNIONSan Fernando$8.05690
DENOCOS FEDERAL CREDIT UNIONCrescent City$5.80634
STATE EMPLOYEES #84 CREDIT UNIONManteca$1.62634
HIGH SIERRA CREDIT UNIONBishop$11.38626
LITHUANIAN CREDIT UNIONLos Angeles$6.94623
MONROVIA CITY EMPLOYEES FEDERAL CREDIT UNIONMonrovia$3.64618
UNITED AMERICA WEST FEDERAL CREDIT UNIONLos Angeles$3.80617
BAKERSFIELD COMMUNITY FEDERAL CREDIT UNIONBakersfield$2.93588
CHULA VISTA CITY EMPLOYEES FEDERAL CREDIT UNIONChula Vista$2.38548
PEPSI COLA FEDERAL CREDIT UNIONBuena Park$0.75547
SOUTH SAN FRANCISCO CITY EMP FEDERAL CREDIT UNIONMenlo Park$4.02528
FAITH BASED FEDERAL CREDIT UNIONOceanside$1.11515
DELANCEY STREET FEDERAL CREDIT UNIONSan Francisco$0.37512
CHERRY EMPLOYEES FEDERAL CREDIT UNIONSanta Ana$4.31496
AZUSA CITY EMPLOYEES FEDERAL CREDIT UNIONAzusa$2.46474
PACIFICA-COASTSIDE CREDIT UNIONPacifica$1.44462
KETEMA FEDERAL CREDIT UNIONEl Cajon$1.58454
UNION OIL SANTA FE SPRINGS EM FEDERAL CREDIT UNIONBrea$5.75446
WESTERN STATES REGIONAL FEDERAL CREDIT UNIONLos Angeles$0.71432
MT. SLOVER FEDERAL CREDIT UNIONColton$2.26431
MERCED MUNICIPAL EMPLOYEES CREDIT UNIONMerced$2.09423
COMPTON MUNICIPAL EMPLOYEES FEDERAL CREDIT UNIONCompton$1.13409
SAN BERNARDINO COMM. COL. DIS. EMP FEDERAL CREDIT UNIONSan Bernardino$2.82409
L M C C EMPLOYEES FEDERAL CREDIT UNIONLa Mesa$3.08408
TEHACHAPI FEDERAL CREDIT UNIONTehachapi$2.17408
DAIJO FEDERAL CREDIT UNIONOrange$2.60394
U.S.B. EMPLOYEES FEDERAL CREDIT UNIONWilmington$2.59362
SAN FERNANDO VALLEY JAPANESE CREDIT UNIONLos Angeles$1.18328
CALVARY BAPTIST OF PACOIMA FEDERAL CREDIT UNIONSan Fernando$0.19321
JONES METHODIST CHURCH CREDIT UNIONSan Francisco$0.55313
ANGELUS CAN EMPLOYEES FEDERAL CREDIT UNIONLos Angeles$1.65309
BETHEL A.M.E. SAN FRANCISCO FEDERAL CREDIT UNIONSan Francisco$0.58297
FOUNTAIN VALLEY CREDIT UNIONFountain Valley$2.37292
SAN DIEGO JACL FEDERAL CREDIT UNIONSan Diego$0.81283
SAN FRANCISCO B P R FEDERAL CREDIT UNIONSan Francisco$1.63271
MOJAVE PLANT EMPLOYEES FEDERAL CREDIT UNIONMojave$1.99270
NORTHERN CALIFORNIA LATVIAN CREDIT UNIONSan Francisco$1.89244
LOS ANGELES LEE FEDERAL CREDIT UNIONLos Angeles$0.64213
CANOGA POSTAL FEDERAL CREDIT UNIONLos Angeles$0.98201
K.C.NO. 3601 FEDERAL CREDIT UNIONLos Angeles$0.79164
MARYKNOLL OF L A FEDERAL CREDIT UNIONLos Angeles$0.99158
TAYLOR MEMORIAL UNITED METHODIST FEDERAL CREDIT UNIONOakland$0.14155
GUIDANCE CHURCH OF RELIGIOUS SCIENC FEDERAL CREDIT UNIONLos Angeles$0.19151
ZION HILL BAPTIST CHURCH FEDERAL CREDIT UNIONLos Angeles$0.25146
PEOPLES IND CHURCH FEDERAL CREDIT UNIONLos Angeles$0.09127

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:

CountySingle 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.

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