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

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Edited byMargarita Barresi

Updated: December 28, 2023

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

When choosing the top Pomona personal loan lenders, MoneyGeek considered more than 35 distinct factors. These include the interest rate ranges, fees, repayment period, credit/income criteria, loan availability and BBB ratings of the lending institutions.

Because every borrower has unique needs and credit history, shopping around for the best possible loan terms and lenders is important. Considering these and other criteria, MoneyGeek determined the best personal loans lender in Pomona for individuals with good credit, bad credit and those for debt consolidation and home improvement loans.

Best Overall Personal Loan Lender in Pomona: LightStream


Best Personal Loan Lender for Bad Credit in Pomona: Upstart


Best Personal Loan Lender for Good Credit in Pomona: SoFi


Best Personal Loan Lender for Debt Consolidation in Pomona: Upgrade


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


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

Many turn to personal loans to cover financial needs like medical bills, paying for education and home improvement. Lenders check personal loan eligibility using various factors, including your income, credit history and score and debt-to-income ratio. The average California borrower owes $16,790 in personal loans with an interest rate of 10.21%.

If you want a personal loan and are looking for the best lender in Pomona, MoneyGeek offers the following guidelines:


Ask Yourself the Important Questions

Before you seek a personal loan, ask yourself:

  • How much funding do I need?
  • What is my credit score?
  • Can I afford the monthly payment?
  • How much debt do I already have?

Do Your Research

Keep in mind that the interest and other fees associated with a personal loan can add up to a significant sum over the loan's term. Therefore, you should investigate numerous loan lenders to find the one that best meets your needs. MoneyGeek provides general guidance, so conduct your own research.



After deciding on a lender, it's wise to take some time to evaluate whether you are making the right choice. Certain lenders conduct stringent credit checks, which can decrease your score. Hence, deliberate carefully before proceeding.


Read the Fine Print

Be aware of all fees, interest rates and penalties associated with your loan. It's easy to miss small but important details that might be in the fine print. Read the loan agreement carefully to avoid unpleasant surprises later.



Be prepared to provide the lender with proof of your identity, address, employment, existing debts and more. You can usually apply in person, online or by phone.

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

Lenders turn down loan applications for various reasons, including bad credit, not meeting income requirements, a high debt-to-income ratio and insufficient documentation.

If you are rejected, don’t be discouraged. Contact the lender and ask why your application was denied. Your lender might offer options, such as a shorter loan repayment term or reducing the loan amount. You may be able to apply for a loan with a co-signer or use collateral.

MoneyGeek recommends staying away from payday loans. These loans are infamous for their long repayment terms and exorbitantly high interest rates. In addition, payday loan repayment does not affect a borrower's credit score, but late and missed payments can lower your score.

Frequently Asked Questions About Personal Loans in Pomona

MoneyGeek provides answers to frequently asked questions about personal loans in Pomona to help you make an informed decision.

LightStream is the best personal loan lender in Pomona. Upgrade and Best Egg are great options for debt consolidation and home renovation loans, respectively. Upstart is the best for borrowers with bad credit and SoFi for borrowers with good credit.

LightStream provides the lowest APR on personal loans in Pomona.

The decision rests solely with the lender. Lenders may have specific requirements attached to how their loans can be used. Contact your lender and ask whether you can fund your vacation using their loan.

Borrowers often use personal loans for home improvement projects. However, always verify any loan use restrictions with your lender.

Some lenders prohibit fund usage to pay for investments, business acquisitions and secondary school education.

Depending on your eligibility, you can obtain a loan between $1,000 and $100,000, although the maximum and minimum loan amounts vary by lender.

Companies like LightStream and Upgrade provide instant funding. On the other hand, your loan application can take other lenders up to a week to process.

Yes. However, some lenders assess a prepayment penalty. Consult the loan's fine print or contact the lender for further information.

Our Personal Loan Methodology

To evaluate 30 personal loan lenders and rank the best, we looked at 35 different factors across six main areas: affordability, loan accessibility, user-friendliness, customer service, lender transparency and flexibility.

We considered various factors when deciding which personal loan company was the best in each category. Factors include, but are not limited to, APR ranges, loan amounts, credit score and minimum income requirements, fees and loan disbursement time.

As a company that places a premium on its consumers, MoneyGeek considers not only the standard parameters but also extra features like prequalification criteria, payment flexibility and mobile applications that could lead to a better customer experience. We also assess the quality of the lenders' customer service and the companies' reputations.

Our decisions are founded on extensive research and analysis, and we consider your best interests in our reviews. Our professional guidance and list of recommended lenders are solely provided to assist you in selecting the best option for your unique circumstances.

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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.