Best Personal Loans in San Bernardino, CA

Thinkwise Federal Credit Union is the best personal loan lender in San Bernardino, California, with a MoneyGeek Score of 99 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has served members since 1952. With an APR as low as 9.25%, you get to save on interest, making it a great choice for budget-conscious borrowers. It also has multiple loan calculators on its website, helping you to understand your borrowing situation. However, the borrowing limit is $25,000, which might be restrictive if you're looking for larger loans.

Laurel Road is the best online lender for personal loans in San Bernardino, California, with a MoneyGeek score of 94 out of 100. It offers borrowers personal loans ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months. Its services include a 0.25% interest rate discount when you enroll in autopay, adding convenience while saving you money, and no origination fees, meaning you won't be paying extra just to process your loan. However, potential borrowers should be aware that it sets a high bar for the minimum loan amount, which could be more than what some people require. It also charges a late fee of 5% or $28, which is something to consider if you sometimes have trouble meeting payment deadlines.

Valley Hills Federal Credit Union is the runner-up for the best personal loans in San Bernardino, California, with a MoneyGeek score of 96 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has been serving members since 1967. Borrowers can benefit from its low APR starting at 8.50%, which offers a favorable financial option. Additionally, its BBB rating of A+ reflects its positive customer service reputation. Its maximum loan amount and repayment terms vary based on the length of your membership.

Arrowhead Credit Union is a suitable option for personal loans in San Bernardino, California, with a MoneyGeek score of 91 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has been serving members since 1949. It offers a loan amount as low as $500 and has no prepayment penalties. Note that its loan amount is $25,000, which may be a limitation for some, and the absence of prequalification could add uncertainty for potential borrowers.

1st Valley Credit Union is another option for personal loans in San Bernardino, California, with a MoneyGeek score of 90 out of 100. This federally insured credit union by the National Credit Union Administration (NCUA) has been serving members since 1951. Its strengths include having a BBB rating of A+ and allowing mobile deposits, which makes it a trustworthy and convenient choice for many borrowers. However, borrowers should note that it does not disclose much information about personal loans on its website, and there is a $40 loan application fee for non-members.