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

Best Personal Loans in Fullerton (CA)

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

By Myfin Team
Updated March 29, 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 Fullerton

Showing 5 banks
Sort by: Branches
Branches 5 bank branches
Total Assets (US$M)3,380,824,000
Branches 4 bank branches
Total Assets (US$M)2,440,022,000
Fullerton Main
Friday: 9:00 AM - 4:00 PM
East Fullerton
Friday: 9:00 AM - 4:00 PM
Fullerton Metrocenter
Friday: 9:00 AM - 4:00 PM
Show all departments
Branches 3 bank branches
Total Assets (US$M)582,252,757
Fullerton Albertsons Branch
Friday: 10:00 AM - 4:00 PM
Fullerton Ca Branch
Friday: 9:30 AM - 4:00 PM
Branches 3 bank branches
Total Assets (US$M)124,662,227
University Branch
3200 Yorba Linda Blvd, Fullerton, CA, 92831
Fullerton Branch
911 North Harbor Boulevard, Fullerton, CA, 92832
Sunny Hills Branch
1080 East Bastanchury Road, Fullerton, CA, 92835
Branches 2 bank branches
Total Assets (US$M)1,712,535,000
Amerige Heights
Friday: 9:00 AM - 5:00 PM

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

Finding the best personal loan in Fullerton requires careful consideration of various factors. Personal loans can provide financial flexibility and improve your overall financial health, but choosing the right loan is crucial. Here are some strategies to help you compare and select the best personal loan in Fullerton, California.

  1. Understand the Annual Percentage Rates (APR). The APR is a key factor to consider when comparing loans. It provides a more accurate indication of the total cost of the loan, including interest rates and fees. Comparing APRs will help you determine which loan is more cost-effective in the long run. In Fullerton, the APR for personal loans ranges from 4.49% to 36%.
  2. Determine Your Loan Amount. Research loan amount options and find a lender that can provide the desired loan size. In Fullerton, personal loans are available from $100 to $500,000. Consider lenders that offer flexibility in withdrawing the loan in parts, allowing you to pay interest only on the amount utilized. This feature is beneficial for projects with varying financial requirements, such as home renovations or car repairs.
  3. Evaluate Monthly Payments. Ensure that the monthly payment fits comfortably within your budget. It's essential to strike a balance between the loan payment and your other financial obligations, ensuring you can meet all your financial responsibilities.
  4. Consider Credit Requirements. Most lenders prefer borrowers with good to excellent credit scores (670 or higher). However, some lenders may accept individuals with poor to fair credit. While a high credit score doesn't guarantee better rates, it increases your chances of approval. In Fullerton, the minimum acceptable credit score is Poor (300 - 579). Tailor your search to lenders that offer suitable loan terms based on your credit score.
  5. Assess Collateral Requirements. Personal loans are typically unsecured, meaning they don't require collateral. However, some loans may require collateral, which often leads to lower interest rates due to reduced risk for the lender. If you want to avoid high interest rates (up to 36% in Fullerton), consider exploring secured personal loan options.
  6. Compare Origination Fees. Many lenders charge origination fees in addition to interest charges. These fees are typically a percentage of the total loan amount. Choosing a personal loan with low origination fees can result in long-term savings. While the common origination fee ranges from 0.5% to 1% of the loan amount, it's important to check specific amounts offered by each lender.

To assist you in your search, here is a comparison of various lenders offering personal loans in Fullerton, California. The table includes information on APR, loan amount, loan term, origination fees, and required credit scores.

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

These characteristics were included in the table as they are crucial factors to consider when comparing personal loans.

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

To maximize your personal loan approval odds in Fullerton, consider the following tips:

  • Get Your Credit in Shape. Improving your credit score increases your chances of loan approval. Make timely debt payments, maintain low credit utilization, avoid excessive credit applications, and dispute any errors on your credit report.
  • Increase Your Income. Lenders evaluate your debt-to-income ratio when considering approval. Increasing your income, such as through a raise or part-time job, improves your odds by lowering your debt-to-income ratio.
  • Avoid New Debt. Minimize acquiring new debt while applying for a personal loan as it increases the perceived risk for lenders. Focus on paying off existing debts to strengthen your financial standing.
  • Be Realistic About Loan Amounts. Lenders tend to be cautious with larger loan amounts. Request a loan amount that aligns with your needs and income. Smaller loan amounts are generally easier to obtain and repay.
  • Consider a Joint Applicant. Exploring the option of a joint applicant or co-signer can increase your chances of approval. Lenders consider both credit scores and incomes in such cases. Choose a reliable joint applicant or co-signer as your finances will be interconnected.

By following these strategies and considering the provided tips, you can increase your chances of finding the best personal loan in Fullerton, CA that suits your financial needs.

Conclusion

It's essential to consider various factors such as APR, loan amount, monthly payments, credit requirements, collateral, and origination fees. Comparing lenders and their offerings will help you find a loan that aligns with your financial goals and ensures long-term affordability.

Remember to assess your creditworthiness and work on improving your credit score to maximize your loan approval odds. Increasing your income, avoiding new debt, and being realistic about loan amounts are also effective strategies to enhance your chances of securing a personal loan.

By following these guidelines and utilizing the provided table as a reference, you can make an informed decision when choosing the best personal loan in Fullerton, California. With the right loan, you can bridge any financial gaps, improve your financial health, and achieve your goals.

FAQ

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

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

What is the biggest loan amount in Fullerton, California?

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

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

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

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