MoneyGeek's Picks for Best Personal Loan Lenders in Anaheim, CA

To find the best personal loan lenders in Anaheim, MoneyGeek considered more than 30 data points. We examined each lender based on affordability, BBB rating, customer service, APR range, repayment terms, late and origination fees, minimum credit score and disbursement time.

Based on MoneyGeek’s research, LightStream is the best personal loan lender in Anaheim — but the best lender for you depends on your needs. For individuals with bad credit, Upstart is our top pick, while Upgrade is ideal for debt consolidation.

Best Overall Personal Loan Lender in Anaheim: Lightstream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Personal Loan Lender for Bad Credit in Anaheim: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Best Personal Loan Lender for Good Credit in Anaheim: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


Best Personal Loan Lender for Debt Consolidation in Anaheim: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Personal Loan Lender for Home Improvement in Anaheim: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg

How to Choose the Best Personal Loan Lender in Anaheim for You

Personal loans are useful to finance many different expenses, including weddings, medical bills, relocation, home renovation and post-secondary education. Consider your monthly income, outstanding debts, credit score and debt-to-income ratio when choosing a suitable personal loan lender in Anaheim. Also, make sure the lender gives personal loans for your purpose — not all allow using the funds for post-secondary education, for example.

According to Experian, the average Californian has a personal loan debt of $16,790, so you aren’t alone in needing help to cover bills or consolidate debt. MoneyGeek lists a few steps below to help you decide on a personal loan in Anaheim:


Ask Yourself the Important Questions

Before taking out a personal loan, you should know what you need and if you may qualify. To come to a financial decision, sit down and ask yourself the following questions:

  1. How much money do I need?
  2. What is my credit score?
  3. Can I afford the monthly payment?
  4. How much debt do I already have?

Do Your Research

A personal loan is a huge financial obligation and usually requires a payment commitment of two to four years. It’s best to prepare for the responsibilities that come with it. Also, some lenders may perform a hard credit check before approving your loan, impacting your credit score. Learn about each lender’s qualifications and funding restrictions since they will vary before applying.

To help you, MoneyGeek outlined key information about personal loans in Anaheim and the best lenders. If our recommendations don’t fit your financial needs, you still have a wide variety of lender options.



After researching different personal loan lenders in Anaheim, we recommend waiting one or two days before applying. Taking your time can help you make a more objective decision. Then, you can narrow down your choices to one or two desired lenders.


Read the Fine Print

There are times when borrowers miss small yet very important details. Therefore, we encourage you to read through the fine print. Carefully examine a lender’s prepayment penalties, origination fees and late fees. Reading the fine print can help you save money in the long run.



If you’re confident about your chosen lender, you’re ready to apply for your personal loan. Make sure you fit all their requirements. During the application process, lenders typically ask for your identification, address verification and proof of income. It’s usually easier to apply for a loan online, but you can also visit the lender in person if possible.

What to Do if You Can’t Get a Personal Loan in Anaheim

It’s possible that your personal loan in Anaheim will not get approved. However, it shouldn’t stop you from trying to get a loan if you really need it. Lenders can deny applications for different reasons, like low credit score, insufficient income or no employment history.

MoneyGeek recommends that you reach out to the lender to know the specific reason why your application was denied. You may be able to negotiate with the lender and shorten the loan term or decrease your desired loan amount. It’s also possible to get a co-signer if the lender allows it.

If they still don’t allow you to take out a loan, you can try another lender. But, it’s wise to only apply for another loan after you improve the factor that caused your loan rejection. Your application may then have a better chance.

Take caution against payday loans. While they are appealing at first glance, payday loans have big drawbacks. They have very quick payback terms and excessively high interest rates.

Frequently Asked Questions About Personal Loans in Anaheim

Getting a personal loan in Anaheim is a big investment, and it’s important to find a lender that suits your needs and background. MoneyGeek answered commonly asked questions to help you with decision-making.

Our Personal Loan Methodology

We evaluated more than 30 personal loan lenders using 35+ individual data points across six key categories: consumer friendliness, customer service, loan affordability, accessibility, flexibility and lender transparency.

In each ranking criteria category, MoneyGeek accounted for several individual data points that we believe carry the most weight when choosing a personal loan lender. These factors include APR range, minimum credit score, minimum income amount, available loan amount, application fees and disbursement time.

MoneyGeek values you — the consumer — so we also factor in a lender’s customer support, business ratings and additional features that could make your experience easier and more accessible, like prequalification, payment options and mobile apps.

After thorough consideration and precise calculation, we choose top-rated lenders with your best interest in mind. Our personal loan recommendations and expert tips are intended to help you make the best decision when choosing a lender that meets your needs.

  • Upstart. "Overview." Accessed June 15, 2022.

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.