5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Concord (CA)

We have found 122 personal loans to apply for in Concord, CA. Add more criteria to compare personal loans and find the best one for you.

By Myfin Team
Updated May 21, 2024
Showing 122 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$3,000 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
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Showing 122 personal loans
Amount
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Credit Score
City, state or Zip
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Concord

Showing 5 banks
Sort by: Branches
Branches 4 bank branches
Total Assets (US$M)582,252,757
Clayton Road Branch
Tuesday: 9:30 AM - 4:00 PM
Concord Main Branch
Tuesday: 9:00 AM - 5:00 PM
Diamond Blvd Branch
Tuesday: 9:30 AM - 4:00 PM
Show all departments
Branches 3 bank branches
Total Assets (US$M)2,440,022,000
Concord Main
Tuesday: 9:00 AM - 4:00 PM
Sun Valley Center
Tuesday: 9:00 AM - 4:00 PM
Branches 3 bank branches
Total Assets (US$M)3,380,824,000
Ygnacio Valley
Tuesday: 9:00 AM - 5:00 PM
Concord Downtown
Tuesday: 9:00 AM - 5:00 PM
Branches 3 bank branches
Total Assets (US$M)1,712,535,000
Concord
Tuesday: 9:00 AM - 5:00 PM
Clayton Valley
Tuesday: 9:00 AM - 5:00 PM
Oak Grove Plaza
Tuesday: 9:00 AM - 5:00 PM
Branches 2 bank branches
Total Assets (US$M)1,720,308,000
Concord Branch
4420 Treat Boulevard, Concord, CA, 94521
Concord Oak Grove
2950 Treat Blvd, Concord, CA, 94518

Choosing the Best Personal Loan in Concord, California

Personal loans can be a helpful tool to fill in any gaps in your budget. When used smartly, a personal loan can give some financial flexibility and improve your financial health. So, it is important to find a loan that meets your financial needs. With that in mind, here are some strategies for comparing and choosing the best personal loan in Concord, California.

Annual Percentage Rates (APR)

The annual percentage rate (APR) is one of the most important factors of a loan to consider. The APR is usually a more accurate indicator of how much you will pay than just the interest rate as APR also includes fees into the amount. Comparing APR instead of simple interest rates can tell you which loan will cost you more in the long run. The APR in Concord varies from 4.49% to 36%.

Loan Amount

You might not know exactly how much money you need, so it helps to research loan amount options and pick a lender that provides a substantial amount. In Concord you can find loans from $100 to $500,000. There is an option to find a lender that allows you to withdraw a loan in parts and only pay interest on the money that you actually use. These kinds of flexible loans are a good match for projects where it may not be clear how much you will need at each particular period of time, like home renovations or car repairs.

Monthly Payments

The monthly payment is the amount you have to pay every month. Make sure that the monthly amount is something that fits comfortably into your budget. You have to be able to pay your general bills while also paying back the loan and interest.

Credit Requirements

Most lenders prefer borrowers with good to excellent credit (670 or higher). Nevertheless, some lenders may accept those with poor to fair credit. Having a high credit score does not necessarily mean that you will get approved with a lower rate, but it will increase your chances. The lowest credit score acceptable in Concord (CA) is Poor (300 - 579). So you need to tailor your search to your credit score to get the best possible loan terms.

Collateral

Most personal loans are unsecured, meaning that they do not require collateral. However, some loans will require it. Secured loans often have lower interest rates as the lender incurs less risk with the collateral present. Unsecured loans, in contrast, usually have higher interest rates. So if you want to avoid high interest rates (which can be as high as 36% in Concord), a secured personal loan might be an option.

Origination Fee

Most lenders charge processing fees in addition to interest charges. Most of the time, the processing fee, also called loan origination fee, is a percentage of the total loan amount. The typical loan origination fee is around 0.5% - 1% of the loan amount, but amounts may vary from lender to lender. Choosing a personal loan with low processing fees can save you money in the long run.

Compare and choose the best personal loan in Concord, California

Personal loans can help simplify your finances. The side-by-side comparison of all loan options available in Concord will help you when choosing a loan with optimal terms for your financial situation.

Here is a table of some of the best personal loans available in Concord:

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

Simple tips for increasing personal loan approval odds in Concord, California

  1. Improve your credit score. The higher your credit score, the more likely you are to be approved for a loan. You can improve your credit score by paying your bills on time, keeping your credit utilization low, and disputing any errors on your credit report.
  2. Increase your income. Lenders will look at your debt-to-income ratio when deciding whether to approve you for a loan. The lower your debt-to-income ratio, the better. You can increase your income by getting a raise, getting a part-time job, or starting a side hustle.
  3. Avoid taking on new debt. Lenders are less likely to approve you for a loan if you have a lot of other debt. If you can, try to pay off as much debt as possible before applying for a loan.
  4. Be realistic about the amount you need. Lenders are more likely to approve you for a smaller loan than a larger loan. If you only need a small amount of money, don't apply for a large loan.
  5. Consider getting a co-signer. A co-signer is someone who agrees to be responsible for the loan if you default. If you have a poor credit score, getting a co-signer can help you get approved for a loan.

By following these tips, you can increase your chances of being approved for a personal loan in Concord.

Conclusion

In conclusion, getting a personal loan can be a helpful tool to fill in any gaps in your budget. However, it is important to be prepared before you apply for a loan. By following the tips above, you can increase your chances of being approved for a personal loan and get the money you need when you need it.

Here are some additional tips to keep in mind when applying for a personal loan:

  • Shop around and compare interest rates. Interest rates can vary from lender to lender, so it is important to shop around and compare rates before you choose a loan.
  • Read the fine print. Before you sign any loan documents, be sure to read the fine print and understand all of the terms and conditions of the loan.
  • Make sure you can afford the monthly payments. Before you take out a personal loan, be sure to make sure you can afford the monthly payments. The last thing you want is to take out a loan that you cannot afford to repay.

FAQ

What is the highest interest rate on a personal loan in Concord, California?

The highest interest rate on personal loan in Concord is 36%.

What is the biggest loan amount in Concord, California?

The biggest personal loan amount in Concord is $500,000.

What credit score do I need to have to get a personal loan in Concord, California?

To get approved for a personal loan in Concord you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

Author, editor

content@myfin.us

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