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

Updated: December 28, 2023

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

If you are looking for the best personal loans in San Bernardino, MoneyGeek analyzed more than 30 data points to identify the best lenders. We reviewed factors such as minimum requirements, loan limits, interest rates and user experience to help you find a lender that best meets your needs.

Our analysis also took into consideration different borrower profiles and needs to rank the best lenders based on factors like credit history, funding usage needs and more.

Best Overall Personal Loan Lender in San Bernardino: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    MoneyGeek found that LightStream offers the best personal loans in San Bernadino for the average borrower. With relatively low APR and no origination fees, LightStream personal loans are a low-cost option for people who need funds quickly. However, you need an extensive credit history and good-to-excellent credit to be approved.

    You can borrow between $5,000 and $100,000 with flexible repayment terms. Depending on your credit score, you may qualify for the lowest APR. Borrowers can also get autopay discounts.

    LightStream personal loans can be used for a variety of purposes, including emergency expenses, debt consolidation or large purchases. However, keep in mind that funds cannot be used for postsecondary educational expenses or refinancing loans.


    • No origination fees
    • Relatively low APR
    • Quick funding
    • Flexible repayment terms
    • Autopay discount


    • Limitations on usage of funds
    • Pre-approval not available
    • Requires significant credit history for approval
    • Lowest loan amount of $5,000
    • Hard credit inquiry

Best Personal Loan Lender for Bad Credit in San Bernardino: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Upstart was founded in 2012 and is headquartered in San Mateo, California. This lender is ideal if you have poor-to-average credit since you can qualify for a personal loan with a credit score as low as 300. You can borrow amounts ranging from $1,000 to $50,000.

    For borrowers who need funds urgently, Upstart disburses loans as early as the next day. You can also check rates beforehand using the prequalification option, which will not affect your credit score negatively.

    However, it is important to note that Upstart loans are only available in terms ranging from 36 to 60 months. If you need more flexible repayment options, you might be better off looking elsewhere.


    • A+ BBB rating
    • Minimum credit score requirement of 300
    • No early payment fees
    • Soft credit check


    • Relatively high APR
    • Fixed loan term options
    • Charges origination fees
    • No co-signers
    • Maximum loan amount of $50,000

Best Personal Loan Lender for Good Credit in San Bernardino: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    MoneyGeek found that SoFi offers the best personal loans in San Bernadino if you have good credit. Headquartered in San Francisco, California, SoFi has been offering various financial products since 2011. SoFi personal loans can be used for debt consolidation, home improvement, emergency expenses and other purposes, but they cannot be used to fund postsecondary education.

    Borrowers with good-to-excellent credit can qualify for great APR rates. This lender is relatively low on fees and does not charge any origination or early payment fees. Under SoFi’s employment protection, you also have the option to temporarily modify your payments if you lose your job.


    • No origination fees
    • No prepayment fees
    • Soft credit check
    • Flexible loan limits of up to $100,000
    • Unemployment protection


    • Slower funding of loans
    • Requires good-to-excellent credit
    • Minimum loan amount of $5,000
    • Income requirements
    • No co-signers

Best Personal Loan Lender for Debt Consolidation in San Bernardino: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    If you are looking for personal loans in San Bernadino for debt consolidation, Upgrade is the best option. Upgrade was founded in 2016 and offers loans for various purposes, including consolidating debt. Loan limits range from $1,000 to $50,000 with flexible repayment options. However, depending on your creditworthiness and other factors, APR rates can be high.

    Upgrade funds loans within a day, which is good if you need funds urgently. However, borrowers will incur origination fees. This lender also charges late fees.

    You can find out rates before applying using the prequalification option. This will not affect your credit score as the lender conducts soft credit checks before the full application.


    • Soft credit inquiry
    • Quick funding
    • No early payment charges
    • Direct payment to creditors on debt consolidation loans
    • A+ BBB rating


    • Relatively high APR
    • Charges origination fees
    • Potential late fees
    • Maximum loan amount of $50,000
    • No co-signers

Best Personal Loan Lender for Home Improvement in San Bernardino: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg is the best option for San Bernardino borrowers who need a home improvement loan. It was founded in 2014 and offers personal loans for a variety of purposes, including home improvement. To qualify, borrowers need a credit score of 700 or higher.

    You can get loans ranging from $2,000 to $50,000 with repayment terms of 36 to 60 months. You can qualify for the lowest rates if you have excellent credit. If you want to compare rates, you can check online before applying. This will not impact your credit score.

    Best Egg disburses funds within the next day, so it is ideal for borrowers who need funds quickly. Note that this lender charges origination fees, and you will also incur fees for late payments. However, there are no early payment fees.


    • No early payment fees
    • Soft credit inquiry
    • Autopay discount
    • A+ BBB rating


    • High credit score requirement
    • Charges origination fees
    • Has late fees
    • No co-signers
    • High credit score requirement
    Best Egg

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

If you need a personal loan in San Bernardino, you are not alone. When shopping for personal loans in San Bernardino, keep in mind that the best option for you will depend on factors like your credit score, debt-to-income ratio and more.

These steps can guide you in identifying the best personal loan based on your needs and profile.

Ask Yourself the Important Questions

Lenders consider different factors before approving you for a loan. For instance, your credit score will play a big role in your rates and how much you can borrow. Make sure you start by figuring out how much you want to borrow and whether or not you can afford the monthly payments. Consider that the personal loan will impact your finances long term, so you need to be sure that you can manage the costs.

The following questions are a great starting point in helping you figure out if a personal loan is right for you:

  • 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

When shopping for the best personal loans in San Bernardino, keep in mind that the best option will depend on your background and needs. For instance, some lenders only approve borrowers with good-to-excellent credit, whereas others have restrictions on how funds can be used. Doing your own research will help you figure out which lender offers the best terms and rates for your specific profile.

You can use MoneyGeek’s recommendations to guide you on the best lenders for different profiles, but also take time to do some research based on your individual profile. Comparing lenders is the best way to get the best rates and terms for your personal loan. Plus, it’s important since personal loans can be an average of a two- to four-year commitment.


Once you have found a lender that suits your needs, it is important to take a couple of days to think through your options. Personal loans require a substantial commitment and will impact your finances for years. This means that it is important to ensure that you are not making an impulsive decision.

Waiting also gives you time to consider other financing options that might be available to you. Consider how your loan payments will affect your debt-to-income ratio and whether they will be sustainable in the long term. If you are not sure about your decision, it may be best to put off getting a loan until you are sure you can handle the commitment.

Read the Fine Print

Personal loans can come with hidden charges and fees that may make your loan even more expensive. Most borrowers overlook the fine print only to end up incurring many hidden charges. To avoid this pitfall, make sure you read and understand the fine print before signing a personal loan agreement.

Take time to understand whether the lender charges late fees, early payment fees or origination fees. Knowing these details upfront can save you a lot in penalties down the line. You can always ask the lender for clarification if there are any fees or rates that you do not understand.


Once you are comfortable with your decision and fully understand the terms of your personal loan, you can submit your application. You will need to have your personal details, including income and financial statements when submitting your application. Most lenders have a simple application process that can be completed online in minutes.

However, in case you need help with the application process, you can call or visit the lender for more information or guidance. Once your application is submitted, the approval process may take just a few hours or days depending on the particular lender.

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

It is not uncommon for personal loan applications to be declined. This is because lenders evaluate borrowers to see if they meet their eligibility requirements before approving loans. If your application is declined, you should not be discouraged since this does not mean that you may never qualify for a loan.

Find out from the lender why your application was declined. In some cases, it may be as simple as not having provided all the necessary information or documentation, which is something you can rectify. In other cases, you may not meet the required threshold in terms of credit score, income or debt-to-income ratio. These factors can be improved over time to ensure you can qualify for a loan in the future.

If it is absolutely necessary, you can apply for a loan from a different lender. However, you’ll want to keep in mind that this may impact your credit score negatively. It is best to wait until you have improved on the factors that caused you to be declined.

MoneyGeek also cautions against payday loans since they tend to have high interest rates and short repayment terms.

Frequently Asked Questions About Personal Loans in San Bernardino

The best personal loan in San Bernadino for you will depend on factors like your income, credit score and your specific needs. To help you learn more about personal loans in San Bernardino, we answered some frequently asked questions below.

What is the best personal loan lender in San Bernardino?
Which lender in San Bernardino has the lowest interest rate?
Can I use a personal loan for vacations in San Bernardino?
Can I use a personal loan for home improvement in San Bernardino?
What can I not use my personal loan for in San Bernardino?
How much can I borrow in San Bernardino?
How long does it take to get a personal loan in San Bernardino?
Can I pay off my loan early in San Bernardino?

Our Personal Loan Methodology


MoneyGeek reviewed 30+ personal loan lenders in San Bernardino using a variety of data points. Our analysis used individual data points across six categories, including loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

We considered several individual data points within each ranking criteria based on the factors that we feel are most important when choosing a personal loan lender. These factors include APR ranges, loan limits, minimum requirements for credit score and income, fees and disbursement time.

MoneyGeek values you, the consumer, so our analysis also takes into consideration user satisfaction based on each lender’s customer support, business ratings and additional features that improve user experience, such as mobile apps, account management options and prequalification tools.

Our top picks are made with your best interests in mind based on careful consideration and calculations. MoneyGeek’s personal loan recommendations and expert tips are intended to help you choose the best lender for your needs and profile.

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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.