Best Personal Loans in Huntington Beach, CA: Top Lenders & Best Picks for You

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Edited byAshley Jacobs

Updated: December 28, 2023

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

MoneyGeek reviewed personal loan providers in Huntington Beach and studied them based on over 30 data points. We analyzed companies based on APR ranges, loan amounts, credit score requirements, fees, disbursement times and other relevant factors to rank the best in the city.

Our research shows that LightStream offers the overall best personal loans in Huntington Beach. However, we’ve also found that the top company varies depending on the borrower’s needs and profile. For example, Upstart is our pick for borrowers with bad credit, while we recommend Upgrade for debt consolidation.

Best Overall Personal Loan Lender in Huntington Beach: LightStream


Best Personal Loan Lender for Bad Credit in Huntington Beach: Upstart


Best Personal Loan Lender for Good Credit in Huntington Beach: SoFi


Best Personal Loan Lender for Debt Consolidation in Huntington Beach: Upgrade


Best Personal Loan Lender for Home Improvement in Huntington Beach: Best Egg


Where to Start: How to Choose the Best Personal Loan Lender in Huntington Beach for You

Personal loans are a popular way to deal with both planned and unplanned expenses. In California, the average personal loan debt is $16,790.

It’s a good idea to consider a number of factors before you proceed with your personal loan application in Huntington Beach. Whether you’ll use the loan for debt consolidation, home improvement, emergency bills or large purchases, MoneyGeek recommends that you follow these steps to ensure you’ll make the best financial decision.


Ask Yourself the Important Questions

Before starting your loan application, ask yourself these important questions so you can better understand your financial situation.

  • How much funding do I need? Personal loans are repaid with interest. Thus, borrowing excessive amounts will result in unnecessary costs.
  • What is my credit score? Loan providers typically have credit requirements. By knowing your credit score, you’ll be able to identify which companies you can get a loan from.
  • Can I afford the monthly payment? It’s a good idea to go over your finances to know if you can afford your potential loan payments.
  • How much debt do I already have? Loan companies will check your debt-to-income ratio when assessing your application. If you have high debt, you may encounter difficulties getting a loan.

Do Your Research

Getting a personal loan means having a long-term financial commitment. As a result, you want to make sure that you’re making a well-informed decision and know everything you can about your options.

Some of the key information you should look for are APR ranges, fees, loan amounts, discounts, repayment terms, funding times and restrictions. It’s also recommended that you check the lender’s credit evaluation process so that you know if you’ll need to undergo a hard credit check just to get a quote from the company.

MoneyGeek ranked the best personal loan providers in Huntington Beach. However, our recommendations may not fit your unique needs and profile. We recommend that you do your own research and shop around to find the best lenders for you.



It’s a good idea to wait for a day or two before you make up your mind. You may benefit from a fresh perspective and a better understanding of your situation if you do this.

Personal loans are serious financial commitments that are repaid with interest for four to seven years. For your present and future financial health, it’s crucial that you ensure you’re getting the best available terms and lowest rates for you.

Likewise, it’s also important to consider the reason why you’re getting a loan. Although emergencies are unavoidable, think about whether your leisurely expense or purchase can wait until you’ve saved up the required amount.


Read the Fine Print

After researching your options and waiting to make a decision, you may have shortlisted your preferred lenders. Before you commit to anything, it’s recommended that you read the company’s fine print and study policies in detail.

Look out for details you may have missed during your initial research and scrutinize the fees that come with the loan. Although most personal loan providers in Huntington Beach don’t charge prepayment fees, some lenders do. You should also watch out for origination fees.

Remember, you may have to deal with the personal loan company for up to seven years. By reading the fine print and understanding the company’s offer, you can avoid unnecessary expenses and a stressful customer experience.



Since you’ve already studied your options and read the details, you may now feel confident proceeding with one company. You can now apply for a personal loan.

Start by gathering the documents that loan companies typically ask for. This includes your identification cards, proof of address, pay stubs and other income statements. Lenders may ask for more documents depending on your profile.

It’s easy to get a personal loan in Huntington Beach. Most companies have online applications, which allow you to get a loan right from the comfort of your home. This is convenient if you don’t have the time to visit a branch personally.

However, you’re also free to apply over the phone or in person if that’s what you’re comfortable with. It’s important to make sure that you’re using the method you’re most comfortable with so that you can freely transact with the loan company.

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

It’s not uncommon for personal loan applications to get denied. Lenders usually reject applicants due to low credit scores, insufficient incomes and incomplete documents. Don’t be discouraged if this happens to you. Instead, evaluate the situation so that you know how to respond moving forward.

You can connect with the lender and ask for the exact reason it declined your loan application. This is important so that you can identify and address the issues you may have in your profile.

You may need to improve your credit score so you can get better chances the next time you apply. This could involve paying off your existing debts or finding a higher-paying job. Having a lower debt-to-income ratio makes you a less risky borrower.

It’s possible for you to contact another lender and start the application from scratch. However, we don’t recommend you do this until you’ve resolved the first lender’s issues.

Lastly, no matter how desperate you are, you’ll be better off avoiding payday loans. You’ll only end up deep in debt due to their high interest rates and short repayment terms. Payday loans are never a good option to address your financial problems.

Frequently Asked Questions About Personal Loans in Huntington Beach

The best personal loan companies in Huntington Beach vary depending on your needs and profile. To help you find the right provider, we answered some commonly asked questions about the topic so you can make an informed decision.

MoneyGeek’s analysis shows that LightStream is the overall best personal loan provider in Huntington Beach. However, the top company for you may vary depending on your needs and financial profile.

Upstart offers the lowest possible interest rate in Huntington Beach. However, the interest rate you’ll receive will be based on your preferences and profile.

Yes, you can use your personal loan in Huntington Beach to finance a vacation.

You’re allowed to use your personal loan in Huntington Beach to fund a home improvement project. Our research shows that Best Egg is the best lender for that purpose.

Loan companies in Huntington Beach may have different policies about their loan restrictions. You’re usually not allowed to use your loan proceeds for postsecondary education, investments and illegal activities. Check with your lender for more details.

Loan ranges vary from one company to another. In Huntington Beach, lenders offer loans as low as $1,000 and as high as $100,000.

Although most personal loan providers in Huntington Beach offer repayment terms that range from 24 to 60 months, some companies extend that to 84 months.

Yes, you’re allowed to pay off your personal loan in Huntington Beach early. Just find out if your loan provider charges a prepayment fee.

Our Personal Loan Methodology

We studied more than 30 personal loan companies using over 35 data points that cover six key categories, including loan affordability, lender transparency, credit accessibility, customer service, flexibility and consumer friendliness.

For each ranking criterion, we evaluated individual data points that, per our analysis, are the most important for folks choosing a personal loan lender. These factors include APR ranges, loan amounts, credit score requirements, minimum income amount, disbursement times and application and miscellaneous fees.

Here at MoneyGeek, we value you, the consumer, so we also consider each lender’s performance in terms of customer support, business ratings and the availability of features that can make your experience easier and more accessible. Our team even goes through a lender’s prequalification process, payment options and mobile apps.

After a thorough evaluation and calculation, our recommendations are made with your best interest in mind. Our personal loan picks and expert tips are meant to help you make the best decision when choosing a personal lender.


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.