2. LightStream

• Loan Amounts: $5,000 – $100,000

• APR: 7.49% – 25.99% (with autopay)

• Terms: 2 to 7 years

• Pros: No fees, low rates for excellent credit, same-day funding available

• Best For: Applicants with excellent credit who need large loans at low rates.

3. Upstart

• Loan Amounts: $1,000 – $50,000

• APR: 6.5% – 35.99%

• Terms: 3 or 5 years

• Pros: Accepts fair credit, considers education and employment

• Best For: Borrowers with fair credit or limited credit history.

4. Marcus by Goldman Sachs

• Loan Amounts: $3,500 – $40,000

• APR: 6.99% – 24.99%

• Terms: 3 to 6 years

• Pros: No fees, flexible payment options

• Best For: Borrowers looking for a transparent and flexible loan option.

5. Wells Fargo

• Loan Amounts: $3,000 – $100,000

• APR: 7.49% – 23.74%

• Terms: 1 to 7 years

• Pros: Fast funding, relationship discounts for existing customers

• Best For: Current Wells Fargo customers who want lower rates.

How to Choose the Best Personal Loan in California

1. Compare Interest Rates: A lower APR means lower total loan costs.

2. Check Fees: Avoid loans with high origination fees, prepayment penalties, or late fees.

3. Consider Loan Terms: Choose a repayment term that fits your budget.

4. Look at Eligibility Requirements: Your credit score, income, and debt-to-income ratio matter.

5. Read Customer Reviews: Check borrower feedback for insights into lender reliability.

Final Thoughts

Finding the best personal loan in California for 2025 depends on your financial needs, credit profile, and repayment ability. If you have excellent credit, lenders like SoFi and LightStream offer the best rates. If you have fair credit, Upstart may be a good option. Always compare multiple lenders before making a final decision.

Looking for the best loan for your needs? Start by checking your credit score and comparing offers today!