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

Best Personal Loans in Fremont (CA)

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

By Myfin Team
Updated December 03, 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
$
Credit Score
City, state or Zip
  • Fremont, CA
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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 Fremont

Showing 5 banks
Sort by: Branches
Branches 5 bank branches
Total Assets (US$M)2,440,022,000
Pacific Commons
Tuesday: 9:00 AM - 4:00 PM
Fremont Grimmer
Tuesday: 9:00 AM - 4:00 PM
Show all departments
Branches 5 bank branches
Total Assets (US$M)582,252,757
Fremont-fremont Blvd Ca Branch
Tuesday: 9:00 AM - 5:00 PM
Fremont-mission Ca Branch
Tuesday: 9:30 AM - 4:00 PM
Show all departments
Branches 5 bank branches
Total Assets (US$M)1,712,535,000
Paseo Padre
Tuesday: 9:00 AM - 5:00 PM
Mowry Landing
Tuesday: 9:00 AM - 5:00 PM
Fremont / Irvington
Tuesday: 9:00 AM - 5:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)3,380,824,000
Branches 3 bank branches
Total Assets (US$M)1,720,308,000
Fremont Auto-mall Branch
43804 Christy Street, Fremont, CA, 94538
39138 Fremont Blvd Branch
3191 Mowry Avenue, Fremont, CA, 94538
Fremont Warm Springs Branch
46801 Warm Springs Boulevard, Fremont, CA, 94539

How to choose the best personal loan in Fremont, California?

Personal loans can provide financial flexibility and help improve your financial situation. When selecting a personal loan in Fremont, California, it's important to consider various factors. Here are some strategies to help you compare and choose the best personal loan for your needs.

Annual Percentage Rates (APR)

The APR is a key factor to consider when comparing loans. It encompasses both the interest rate and fees, providing a more accurate representation of the total cost. In Fremont, APRs typically range from 4.49% to 36%.

Loan Amount

Research loan amount options and find a lender that offers a loan amount suitable for your needs. Some lenders allow partial loan withdrawals, where you pay interest only on the amount you use. This flexibility is ideal for projects with varying financial requirements, such as home renovations or car repairs. In Fremont, loans are available from $100 to $500,000.Monthly Payments

Ensure that the monthly payment fits comfortably within your budget. You should be able to cover the loan payment, along with other financial obligations.

Credit Requirements

Most lenders prefer borrowers with good to excellent credit scores (670 or higher). However, some lenders accept borrowers with poor to fair credit. While a higher credit score increases your chances of approval and favorable terms, you can tailor your search to lenders that cater to your credit score range. In Fremont, the lowest acceptable credit score is Poor (300 - 579).

Collateral

Personal loans can be secured or unsecured. Secured loans require you to put up collateral, such as a car or a house, as security for the loan. This reduces the lender's risk and often results in lower interest rates. Unsecured loans don't require collateral, but they may have higher interest rates. If you're concerned about high interest rates, consider a secured personal loan.

Here are some additional details about secured and unsecured personal loans:

  • Secured loans. Secured loans are typically easier to qualify for than unsecured loans because the lender has some security in case you default on the loan. However, you will need to provide collateral, which could be a car, a house, or other valuable asset.
  • Unsecured loans. Unsecured loans don't require collateral, so you don't have to worry about losing anything if you default on the loan. However, unsecured loans typically have higher interest rates than secured loans because the lender is taking on more risk.

If you're considering a personal loan, it's important to compare different lenders and loan terms to find the best deal for you. You should also factor in your credit score, as this will affect your interest rate.

Origination Fee

Many lenders charge origination fees, which are typically a percentage of the loan amount. Compare the origination fees among lenders to save money in the long run. Fees generally range from 0.5% to 1% of the loan amount.

Compare Personal Loans in Fremont, California

Here are some lenders offering personal loans in Fremont, along with their APR, loan amounts, loan terms, origination fees, and credit score requirements:

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

How to Increase Your Personal Loan Approval Odds in Fremont, California

To improve your chances of personal loan approval in Fremont, consider the following tips:

  1. Get Your Credit in Shape. Maintain a good payment history, keep credit utilization low, limit new credit applications, and dispute any errors on your credit report.
  2. Increase Your Income. If possible, seek ways to increase your income to improve your debt-to-income ratio, which lenders consider during the approval process.
  3. Avoid New Debt. Minimize acquiring new debt while searching for a personal loan. Lowering your debt burden increases your approval odds.
  4. Be Realistic About Loan Amounts. Request a loan amount that aligns with your needs and income. Smaller loan amounts are often easier to be approved for.
  5. Consider a Joint Applicant. You can improve your chances by applying with a joint applicant or finding a co-signer. Their credit scores and incomes will also be taken into account.

Conclusion

Choosing the right personal loan in Fremont requires careful consideration of factors such as APR, loan amount, monthly payments, credit requirements, collateral, and origination fees. Compare different lenders to find the loan with the best terms for your financial situation. Additionally, take steps to increase your approval odds, such as improving your credit, increasing your income, avoiding new debt, and considering joint applicants or co-signers. By following these tips, you can increase your chances of securing a personal loan that meets your needs.

FAQ

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

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

What is the biggest loan amount in Fremont, California?

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

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

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

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