Best Personal Loans in Garden Grove, CA

Schools First Federal Credit Union stands out as the best personal loan lender in Garden Grove, California, with a MoneyGeek score of 99 out of 100. Schools First Federal Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1934. Borrowers looking for loans can appreciate its no origination or prepayment fees, and the option to skip up to three payments over the loan's life, adding flexibility and cost-efficiency to the borrowing experience.

However, borrowers should consider that there is no option to prequalify on its website, which could affect the convenience when exploring loan options. Additionally, the lender does not disclose all information on repayment terms, which might lead to uncertainties about long-term commitments.

Laurel Road is the best online lender for personal loans in Garden Grove, California with a MoneyGeek score of 94 out of 100. It provides loans ranging from $5,000 to $45,000 and offers repayment periods of 36 to 60 months.

Potential borrowers should consider that it offers a 0.25% autopay discount and does not charge origination fees. However, its minimum loan amount is higher than some competitors, and it assesses a late fee of 5% or $28, which could be substantial depending on the loan balance.

LBS Financial Credit Union stands out as the runner-up for the best personal loans in Garden Grove, California, with a MoneyGeek score of 97 out of 100. LBS Financial Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1935. It offers borrowers an APR as low as 9.79%, which can be appealing if you're looking for competitive rates.

However, remember that its borrowing limit is capped at $40,000, which may not be sufficient for all needs. Furthermore, the limited loan information available on its website might require you to contact them directly for complete details.

Eagle Community Credit Union is a suitable choice for personal loans in Garden Grove, California, as indicated by its MoneyGeek score of 92 out of 100. Eagle Community Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1937.

Its strengths include offering up to 0.75% rate discounts and providing debt protection for loan payments, ensuring flexibility and added security. However, borrowers should consider that it has a 3% late payment fee and a borrowing limit of $25,000, which might not fit everyone's needs.

Credit Union of Southern California stands out as a viable personal loan option in Garden Grove, California, with a MoneyGeek score of 91 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1954.

It offers some appealing features, such as a minimum loan amount of $500, providing flexibility for those needing smaller loans, and avoiding application or prepayment fees, which can help you save on costs. However, its maximum loan limit is $30,000, which might be limiting if you're aiming for a larger amount. Additionally, it doesn't offer prequalification, thereby requiring complete application details upfront.