Best Personal Loans in Irvine, 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 Irvine, CA

MoneyGeek identified which lenders offer the best personal loans in Irvine by analyzing companies using more than 30 data points. We looked into their loan limits, interest rates, repayment periods, penalties, fees and more.

Additionally, we considered the factors that can significantly affect your chances of getting loan approval. These include credit score, gross income and debt-to-income ratio. Our guide presents the best option for individuals with bad credit, those with good credit and borrowers looking to consolidate debt or finance home improvements.

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Best Overall Personal Loan Lender in Irvine: LightStream

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Best Personal Loan Lender for Bad Credit in Irvine: Upstart

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Best Personal Loan Lender for Good Credit in Irvine: SoFi

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Best Personal Loan Lender for Debt Consolidation in Irvine: Upgrade

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Best Personal Loan Lender for Home Improvement in Irvine: Best Egg

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

Your personal loan application could be denied for various reasons, including a low credit score or insufficient income. However, this doesn’t mean the end of your personal loan journey.

Your next course of action should be to contact your lender to find out the exact reason why your loan application was denied. You may also ask if it’s possible to modify your application to make it more acceptable. For instance, lowering the loan amount or shortening the repayment term.

If your lender’s decision is final, you may apply for a personal loan with a different company. However, this isn’t recommended until you’ve improved the factor that caused your loan application to be denied in the first place.

When looking for alternative options, be wary of payday loans. Although they give you quick access to cash, they feature very high interest rates and short repayment terms.

Frequently Asked Questions About Personal Loans in Irvine

The best personal loan for you will depend on your unique needs as well as various credit and income factors. Below, MoneyGeek answered some frequently asked questions about personal loans in Irvine to help you through the process of getting a loan.

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Our Personal Loan Methodology

METHODOLOGY

MoneyGeek reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories. These included loan affordability, accessibility, customer service, consumer friendliness, flexibility and lender transparency.

For each ranking criteria category, we considered several individual data points that we think carry the most weight when picking a personal loan lender. These include the available loan amount, APR ranges, minimum credit score, minimum gross income, additional fees and disbursement time.

MoneyGeek also factored in each lender’s customer support, business ratings and additional features that could help make your experience more convenient and accessible, such as pre-approval, payment options and mobile apps.

After careful consideration and calculations, we determined our top picks with your best interests in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.

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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.