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

Best Personal Loans in Fontana (CA)

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

By Myfin Team
Updated December 13, 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 Fontana

Showing 5 banks
Sort by: Branches
Branches 7 bank branches
Total Assets (US$M)3,380,824,000
Foothill And Citrus
Friday: 9:00 AM - 5:00 PM
Sierra Lakes
Friday: 9:00 AM - 5:00 PM
Sierra And Slover
Friday: 9:00 AM - 5:00 PM
Show all departments
Branches 5 bank branches
Total Assets (US$M)2,440,022,000
South Fontana
Friday: 9:00 AM - 4:00 PM
Valley-sierra
Friday: 9:00 AM - 4:00 PM
North Fontana
Friday: 9:00 AM - 4:00 PM
Show all departments
Branches 5 bank branches
Total Assets (US$M)1,712,535,000
Sierra Crossroads
Friday: 9:00 AM - 5:00 PM
Within Fontana Superior  
Friday: 10:00 AM - 5:00 PM
Sierra Lakes Village
Friday: 9:00 AM - 5:00 PM
Show all departments
Branches 2 bank branches
Total Assets (US$M)582,252,757
Falcon Ridge Stater Bros Branch
Friday: 10:00 AM - 4:00 PM
Fontana Ca Branch
Friday: 9:00 AM - 6:00 PM
Branches 1 bank branches
Total Assets (US$M)1,720,308,000
Fontana-downtown
8501 Sierra Avenue, Fontana, CA, 92335

How to Choose the Best Personal Loan in Fontana, California?

Personal loans can serve as a useful tool to bridge budget gaps and improve financial well-being when used wisely. It's crucial to find a loan that suits your financial needs. Here are some strategies to help you compare and choose the right personal loan in Fontana, California.

Annual Percentage Rates (APR)

Consider the annual percentage rate (APR) as a crucial aspect of a loan. Unlike the interest rate alone, the APR provides a more accurate representation of the overall cost by factoring in fees. Comparing APRs can help identify which loan will be more expensive in the long run. In Fontana, APRs range from 4.49% to 36%.

Loan Amount

Research loan amount options and choose a lender that offers a substantial loan amount. In Fontana, loans are available from $100 to $500,000. Some lenders provide the option to withdraw funds incrementally, allowing you to pay interest only on the amount used. This flexibility is beneficial for projects where the exact funding needs vary over time, such as home renovations or car repairs.

Monthly Payments

Ensure that the monthly payment amount comfortably fits within your budget. It should allow you to cover your regular expenses while repaying the loan and accrued interest.

Credit Requirements

While most lenders prefer borrowers with good to excellent credit scores (670 or higher), some may accept individuals with poor to fair credit. Although a high credit score doesn't guarantee a better interest rate, it increases the chances of approval. In Fontana, the minimum acceptable credit score is Poor (300 - 579). Tailor your search to lenders offering favorable terms based on your credit score.

Collateral

While most personal loans are unsecured and don't require collateral, some loans may have collateral requirements. Secured loans typically have lower interest rates as they present less risk for the lender. Unsecured loans generally have higher interest rates.

Origination Fee

Consider processing fees, also known as origination fees, charged by lenders in addition to the interest rate. These fees are typically a percentage of the total loan amount, ranging from 0.5% to 1%. Choosing a personal loan with lower processing fees can lead to long-term cost savings.

Compare and Choose the Best Personal Loan in Fontana, California

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

5 Tips to Increase Personal Loan Approval Odds in Fontana, California

Maximize your chances of loan approval with these steps:

  1. Improve Your Credit Score. Increase your credit score to enhance loan approval odds. Focus on making timely debt payments, maintaining low credit utilization, minimizing new credit applications, and disputing any errors on your credit report.
  2. Boost Your Income. Lenders consider your debt-to-income ratio during the approval process. Increasing your income, whether through a raise at your current job or taking on a part-time job, improves your odds by lowering your debt-to-income ratio.
  3. Minimize Debt. Avoid acquiring new debt while searching for a personal loan. Lenders view existing debt as a risk factor. Prioritize paying off any outstanding debts to reduce your overall debt burden.
  4. Set Realistic Loan Amounts. Lenders are cautious about granting large loan amounts due to increased risk. While the maximum amount available in Fontana is $500,000, approval for smaller loan amounts is more likely. Determine your precise funding needs and request the minimum amount required. The minimum loan amount offered by lenders in Fontana is $100.
  5. Consider a Joint Applicant. Explore the option of a joint applicant or co-signer to strengthen your loan application. Lenders evaluate the credit scores and incomes of both applicants. Ensure you trust your joint applicant or co-signer, as your financial obligations will be interconnected.

Conclusion

Taking proactive steps, such as improving your credit score, increasing income, avoiding additional debt, and tailoring loan amounts to your needs, maximizes the chances of loan approval. Start working on these measures today to enhance your chances of securing a personal loan in Fontana, California.

FAQ

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

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

What is the biggest loan amount in Fontana, California?

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

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

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

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