Best Personal Loans in Huntington Beach, CA

Huntington Beach Credit Union is the best personal loan lender in Huntington Beach, California, with a MoneyGeek score of 95 out of 100, recognized for providing quality service, competitive interest rates, and a quick application and approval process. Laurel Road stands out as the best lender for online personal loans, scoring a MoneyGeek score of 94 out of 100, due to its strong customer service, broad repayment terms and credibility and transparency regarding its loan terms and process.

MoneyGeek prioritized local lenders and scored them based on factors like interest rates, loan terms, loan application process and speed of loan funding to gather our best city recommendations. If you're looking for national lenders, we compiled our picks for the best personal loans in California.

MoneyGeek analyzed hundreds of lenders based on a rubric that includes APR ranges, loan amounts and repayment terms, among other key areas. We use a point-based system, assigning scores according to the presence or absence of certain desirable features in various critical categories.

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Our overall analysis was completed in October 2024. Here we considered banks and credit unions with brick and mortar locations in Huntington Beach, California. We also looked at online-only lenders licensed to do business in the state.

325Lenders Analyzed Nationally

Overall Best Personal Loan in Huntington Beach, CA

Company logo for Huntington Beach Credit Union
Huntington Beach Credit Union
MoneyGeek Score:
95/ of 100

APR RangeFrom 10%
Loan Amount RangeFrom $1,000
Repayment Terms1 to 60 months
Time to Receive FundsUndisclosed
Overview

Huntington Beach Credit Union stands out as the best personal loan lender in Huntington Beach, California, with a MoneyGeek score of 95 out of 100. Since 1953, it has provided secure banking and investment services to its members, insured by the National Credit Union Administration (NCUA). It offers flexibility for borrowers, with the ability to borrow as low as $1,000 and the option to skip a loan payment. However, potential borrowers should be aware that it doesn't allow prequalification and charges a late fee of $15 or 3%.

Best Online Personal Loan in Huntington Beach, CA

Company logo for Laurel Road
Laurel Road
MoneyGeek Score:
94/ of 100

APR Range8.99% to 24.25%
Loan Amount Range$5,000 to $45,000
Repayment Terms36 to 60 months
Time to Receive Funds7 Business Days
Overview

In the search for the best online lender for personal loans in Huntington Beach, California, Laurel Road holds the top spot with a MoneyGeek score of 94 out of 100. It offers a loan amount range from $5,000 to $45,000 and repayment terms between 36 to 60 months. When considering Laurel Road, it's helpful to know that it provides a 0.25% autopay discount and does not charge origination fees, which can lower the overall cost of the loan.

However, the minimum loan amount is relatively high, which might not suit those who need a smaller sum of money. Another factor to consider is the late fee, which could be 5% or $28, potentially adding to the cost if a payment is missed.

Calculate Your Monthly Payment in Huntington Beach, CA

In 2022, the United States Census Bureau reported that the median annual household income in Huntington Beach, California, was $111,122. Regardless of whether your actual income is above or below this median value, what matters is your ability to afford the monthly loan payments. Use our personal loan calculator to estimate your monthly loan payments and the total cost of the loan by entering the loan amount, rate and terms.

For example, if you take out a $10,000 personal loan with a 10% interest rate and a three-year repayment term, you would pay $323 per month, amounting to $3,876 per year. This payment represents approximately 3% of the median annual household income in Huntington Beach.

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Estimate the monthly payment for your loan.

Updated: Dec 5, 2024

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Runner-Up for Best Personal Loan in Huntington Beach, CA

Company logo for Kinecta Federal Credit Union
Kinecta Federal Credit Union
MoneyGeek Score:
95/ of 100

APR RangeFrom 11.74%
Loan Amount Range$1,000 to $100,000
Repayment TermsUp to 84 months
Time to Receive FundsUndisclosed
Overview

Kinecta Federal Credit Union ranks second for the best personal loans in Huntington Beach, California, with a MoneyGeek score of 95 out of 100. Kinecta Federal Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1940. It offers the opportunity to borrow up to $100,000, making it an attractive option for those needing substantial funds.

Additionally, there's no prepayment penalty, giving borrowers flexibility in managing their loan repayment. However, it does not provide a prequalification process, which might be a concern for those who want to explore their loan options without affecting their credit score. Another point to consider is that it does not disclose loan eligibility requirements, which could be challenging for potential applicants trying to determine their chances of approval.

Other Options for Personal Loans in Huntington Beach, CA

Company logo for Unify Financial Credit Union
Unify Financial Credit Union
MoneyGeek Score:
93/ of 100

MoneyGeek Score93
APR RangeFrom 13.49%
Loan Amount Range$500 to $50,000
Repayment Terms12 to 84 months
Time to Receive FundsUndisclosed
Overview

Unify Financial Credit Union stands as a solid choice for personal loans in Huntington Beach, California, with a MoneyGeek score of 93 out of 100. Since 1940, UNIFY Financial Credit Union has been dedicated to assisting its members, backed by federal insurance from the National Credit Union Administration (NCUA).

As a borrower, you'll appreciate its 0.25% autopay discount and that it charges no application or prepayment fees. However, you should consider that loan amounts are capped at $50,000, which might limit your borrowing potential. Additionally, if you're hoping to explore options online, its lack of prequalification could be a downside.

Company logo for Nuvision Federal Credit Union
Nuvision Federal Credit Union
MoneyGeek Score:
92/ of 100

MoneyGeek Score92
APR Range10.74% to 18%
Loan Amount RangeFrom $500
Repayment TermsUp to 60 months
Time to Receive FundsUndisclosed
Overview

Nuvision Federal Credit Union stands as a commendable option for personal loans in Huntington Beach, California, with a MoneyGeek Score of 92 out of 100. NUvision credit union is a not-for-profit financial institution that's federally insured by the National Credit Union Administration (NCUA). It offers a 0.25% discount for autopay, providing you with an opportunity to save on interest, and allows you to borrow as low as $500, offering flexibility in loan amounts. However, borrowers might find the limited information about loans on its website somewhat limiting, and the $5 fee for loan adjustments could be a deterrent. With these points in mind, understanding its offerings and terms is essential when considering this lender for your financial needs.

National Lenders With Physical Locations in Huntington Beach, CA

Borrowers in Huntington Beach, California seeking the best personal loans with the added benefit of face-to-face service can consider options from reputable national lenders. Specifically, Wells Fargo and U.S. Bank have a presence in the city, offering a range of personal loan products to meet various financial needs. While options for in-person services at national lenders in Huntington Beach are available, some lenders listed do not have local branches.

U.S. Bank8.74% to 24.99%$1,000 to $50,00012 to 84 months
Wells Fargo7.49% to 24.99%$3,000 to $100,00012 to 84 months

What to Do if You Can't Get a Personal Loan in Huntington Beach, CA

Your personal loan application in Huntington Beach, California can get denied due to various reasons, such as a low credit score, negative financial history, or an unfavorable debt-to-income ratio. If this happens, take steps to navigate this setback.

  1. 1
    Find out the reason for the denial

    Some lenders may deny your loan application due to factors like a poor credit score, high debt-to-income ratio, low income level, or errors in your application. Reviewing these reasons helps you improve your weak areas and prevent another loan application denial in the future.

  2. 2
    Modify your loan terms

    You can try asking your lender if you can adjust the loan amount or repayment terms to get approved.

  3. 3
    Look for another lender

    Different lenders have varying eligibility criteria for personal loan approval. Shopping around and considering factors such as minimum credit score requirements, interest rates, loan terms, additional fees, and customer service helps you find the best lender for your particular needs and circumstances.

  4. 4
    Explore credit counseling services

    Lenders often look at your debt-to-income ratio when evaluating your loan application. You may consider a credit counseling agency to better manage your credit card debt and develop your budget. You can get credit counseling services from the Department of Financial Protection and Innovation's published list of nonprofit credit counseling agencies. The Department of Justice's list of approved credit counseling agencies can be another option.

FAQ About Personal Loans in Huntington Beach, CA

We addressed frequently asked questions about the best personal loans in Huntington Beach, California, offering valuable insights to aid your decision-making process.

Who is the best overall personal loan lender in Huntington Beach, California?

What are personal loans used for in Huntington Beach, California?

What are the interest rates on personal loans in Huntington Beach, California?

What are the benefits and drawbacks of personal loans?

What are some personal loan red flags to look out for?

How to apply for a personal loan online?

Can I get a personal loan with bad credit in Huntington Beach, California?

What are the best low-interest personal loans in Huntington Beach, California?

What is an installment loan? Is there a difference between personal loans and installment loans in Huntington Beach, California?

Is there a difference between credit union loans and bank loans in Huntington Beach, California?

About Zachary Romeo, CBCA


Zachary Romeo, CBCA headshot

Zachary Romeo is a certified Commercial Banking and Credit Analyst (CBCA), and the Head of Loans and Banking at MoneyGeek. Previously, he led production teams for some of the largest online informational resources in higher education, with over 13 years of experience in editorial production.

Romeo has a bachelor's degree in biological engineering from Cornell University. He geeks out on minimizing personal debt and helping others do the same through people-first content.


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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.