Best Personal Loans in Chula Vista, CA

California Credit Union is the best personal loan provider in Chula Vista, California, with a MoneyGeek score of 100 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has served members since 1931. The credit union offers an attractive APR starting at 8.99%, making loans potentially affordable for many. Mobile banking is also available for added convenience.

However, the borrowing limit is $50,000, which may not meet everyone's needs. Also, the website provides limited information about loans, so you may need to contact the lender directly for inquiries.

Laurel Road is the best online personal loan provider in Chula Vista, California, with a MoneyGeek score of 94 out of 100. It offers loans from $5,000 to $45,000 with repayment terms of 36 to 60 months. Borrowers can get a 0.25% discount for autopay and pay no origination fees.

However, its high minimum loan amount may not work for those needing smaller loans. Borrowers should also watch out for the 5% or $28 late fee, which can add up if they miss payments.

Mission Fed Credit Union is the runner-up for the best personal loans in Chula Vista, California, with a MoneyGeek score of 93 out of 100. Federally insured by the NCUA, it was founded in 1961 in San Diego, CA. With an A+ BBB rating, Mission Fed is recognized for its service quality and offers loans without prepayment penalties, which allows borrowers to pay off their loans early.

However, it doesn't offer prequalification or rate discounts, which may concern those seeking more flexibility in their borrowing experience.

California Coast Credit Union is a great choice for personal loans in Chula Vista, California, with a MoneyGeek score of 92 out of 100. Founded by teachers in 1929, it's federally insured by the NCUA. Borrowers can take out loans starting at $500, and there are no prepayment penalties, providing flexibility and cost savings.

However, the credit union doesn't offer online prequalification, making it harder to assess eligibility before applying. Rate discounts are unavailable, which may impact those looking for lower interest rates.

Wheelhouse Credit Union is another good option for personal loans in Chula Vista, California, with a MoneyGeek score of 87 out of 100. Founded in 1934 and federally insured by the NCUA, it offers a minimum loan amount of $500, making it accessible for those seeking smaller loans. Borrowers also benefit from no prepayment penalties if they pay off their loans early.

However, the credit union doesn't disclose discounts on its website, leaving potential savings unclear. Also, there's no option for prequalification, and the borrowing limit is capped at $25,000, which may be restrictive for those needing larger amounts.