Best Personal Loans in Fresno, CA

Golden 1 Credit Union is the best personal loan lender in Fresno, California, with a MoneyGeek score of 95 out of 100. Borrowers benefit from an APR as low as 8.89%, making its loans affordable and competitive. Additionally, there is no origination fee, which reduces upfront costs. However, it has no option to prequalify, which may be less convenient for potential borrowers. Another point to consider is its late payment fee of 5% or $15, whichever is higher, which could add unexpected expenses.

Laurel Road is the best online lender for personal loans in Fresno, California, with a MoneyGeek score of 93 out of 100. It offers personal loans ranging from $5,000 to $45,000 with repayment terms between 36 and 60 months. It provides a 0.25% autopay discount and charges no origination fees. On the other hand, the minimum loan amount is relatively high, and there is a late fee of 5% or $28.

California Bank and Trust is the runner-up for the best personal loans in Fresno, California, with a MoneyGeek score of 94 out of 100. It offers a high borrowing limit of $100,000, which can benefit those with larger financial needs. Additionally, it has no prepayment penalties, allowing borrowers to repay their loans faster without incurring extra costs. On the downside, the bank does not disclose its eligibility requirements, making it difficult for potential borrowers to determine if they qualify. It also doesn't offer the option to prequalify, requiring customers to commit to a complete application to determine their loan terms.

Central Valley Firefighters Credit Union is a reputable choice for personal loans in Fresno, California, with a MoneyGeek score of 94 out of 100. It offers an APR as low as 9.49%, which can make loans more affordable for borrowers. Additionally, it has a high BBB rating of A+, indicating strong customer trust and satisfaction. However, its borrowing limit is $15,000, which may not meet everyone's needs. The credit union also does not offer an option to prequalify for loans, which might concern those who want to check their eligibility without affecting their credit score.

For those looking for personal loans in Fresno, California, First California Federal Credit Union also stands out with a MoneyGeek score of 92 out of 100. It is federally insured by the NCUA, ensuring a level of security. It has a BBB rating of A+, highlighting its solid reputation. On the downside, the maximum loan amount is only $15,000, which may be limiting for some borrowers. Additionally, there is no option to prequalify, which could make it harder to determine eligibility before applying.