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

Best Personal Loans in Hayward (CA)

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

By Myfin Team
Updated December 11, 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
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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 Hayward

Showing 5 banks
Sort by: Branches
Branches 4 bank branches
Total Assets (US$M)2,440,022,000
Eden Shores
Wednesday: 9:00 AM - 4:00 PM
Mission-sorenson
Wednesday: 9:00 AM - 4:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)3,380,824,000
Southland
Wednesday: 9:00 AM - 5:00 PM
Jackson And Amador
Wednesday: 9:00 AM - 5:00 PM
Foothill Blvd
Wednesday: 9:00 AM - 5:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)582,252,757
B Street Branch
Wednesday: 9:30 AM - 4:00 PM
Fairway Park Branch
Wednesday: 9:30 AM - 4:00 PM
Show all departments
Branches 3 bank branches
Total Assets (US$M)94,491,881
Hayward Southland Branch
24299 Southland Drive, Hayward, CA, 94545
American Language Program At The Ca State University East Bay Campus (seasonal Branch) Branch
25800 Carlos Bee Boulevard, Hayward, CA, 94542
Hayward Branch
1058 B Street, Hayward, CA, 94541
Branches 2 bank branches
Total Assets (US$M)1,712,535,000

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

Personal loans can be a helpful tool to bridge financial gaps and improve your financial health when used wisely. To ensure you find a loan that suits your needs in Hayward, California, it's important to consider the following strategies for comparing and choosing the best personal loan:

  1. Annual Percentage Rates (APR). When comparing loans, pay attention to the APR, which provides a more accurate representation of the total cost of the loan, including fees. In Hayward, APRs can range from 4.49% to 36%.
  2. Loan Amount. Research loan amount options and select a lender that offers a substantial amount. In Hayward, loans are available from $100 to $500,000. Some lenders even provide flexible loans that allow you to withdraw funds as needed, paying interest only on the amount utilized. This flexibility is beneficial for projects with uncertain funding requirements, such as home renovations or car repairs.
  3. Monthly Payments. Ensure that the monthly payment fits comfortably within your budget. It's important to be able to cover your general expenses while repaying the loan and interest.
  4. Credit Requirements. Most lenders prefer borrowers with good to excellent credit scores (670 or higher). However, some lenders may consider those with poor to fair credit. Although a high credit score doesn't guarantee a lower interest rate, it increases your chances of approval. The minimum credit score accepted in Hayward is Poor (300 - 579). Tailor your search to lenders that offer favorable loan terms based on your credit score.
  5. Collateral. While most personal loans are unsecured, meaning they don't require collateral, some loans may require it. Secured loans usually come with lower interest rates, as collateral reduces the lender's risk. If you want to avoid high interest rates (which can reach 36% in Hayward), a secured personal loan might be a suitable option.
  6. Origination Fee. Consider the origination fee, which is a percentage of the total loan amount charged by most lenders in addition to interest. Typically, the fee ranges from 0.5% to 1%. Choosing a personal loan with a lower origination fee can save you money in the long run.

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 Hayward, California

To maximize your chances of personal loan approval in Hayward, implement the following tips:

  1. Get Your Credit in Shape. Improving your credit score is the most effective way to increase loan approval odds. Focus on:
  • Paying debts on time to maintain a positive payment history.
  • Keeping credit utilization low by using a smaller portion of your total credit limit.
  • Avoiding frequent applications for new credit, as hard inquiries can harm your credit score.
  • Disputing errors on your credit report to have them corrected and boost your score.
  1. Increase Your Income. Lenders consider your debt-to-income ratio when assessing your application. Increasing your income can improve your chances of approval. Explore options like asking for a raise or taking on a part-time job to supplement your income. A higher income reduces your debt-to-income ratio and enhances your approval odds.
  2. Avoid Taking on New Debt. While applying for a personal loan, avoid acquiring additional debt. Lenders view debt as a risk factor, so minimizing your existing debt load improves your chances of approval. Focus on paying off existing debts and refrain from acquiring new ones.
  3. Be Realistic About Loan Amounts. Requesting a larger loan amount increases the lender's risk. While the maximum loan amount in Hayward is $500,000, obtaining such a sum can be challenging. Higher loan amounts require more income to support repayment. You're more likely to be approved for smaller loan amounts that pose less risk. Determine your precise funding needs and request the minimum required amount. The minimum loan amount offered by lenders in Hayward is $100.
  4. Consider a Joint Applicant. Exploring the option of a joint applicant or co-signer can increase your approval odds. Lenders consider both credit scores and incomes when you apply with a joint applicant. A co-signer agrees to repay the loan if you default. Choose a joint applicant or co-signer carefully, as your finances will be interconnected.

Conclusion

While obtaining a personal loan may be a viable solution in certain situations, it's important to be prepared for the process. By taking action today and implementing the tips provided, you can improve your chances of being approved for a personal loan in Hayward. Make wise financial choices and maximize your odds of securing a suitable loan.

FAQ

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

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

What is the biggest loan amount in Hayward, California?

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

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

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

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