Best Personal Loans in San Diego, CA

California Coast Credit Union is the best personal loan lender in San Diego, California, with a MoneyGeek score of 98 out of 100. It is federally insured by the NCUA and accepts co-borrowers, making it a secure and flexible choice for borrowers. However, its borrowing limit is $30,000, which might be insufficient for those needing larger sums. It also does not offer a prequalification option.

Laurel Road is the best online lender for personal loans in San Diego, California, with a MoneyGeek score of 93 out of 100. Its personal loan amounts range from $5,000 to $45,000, with repayment terms of 36 to 60 months. The lender offers a 0.25% autopay discount and doesn't charge origination fees, which can make loans more affordable. However, it requires a relatively high minimum loan amount of $5,000. It also charges a late fee of 5% or $28, which could increase the cost of the loan if a payment is missed.

Mission Fed Credit Union is the runner-up for the best personal loans in San Diego, California, receiving a MoneyGeek score of 95 out of 100. It is federally insured by the NCUA, providing a layer of security for borrowers. Additionally, it charges no fees or prepayment penalties, making it a cost-effective option. On the downside, you need to be a member to apply, which can limit accessibility. It also lacks an option to prequalify, which means you can't see your potential rates without a hard credit inquiry.

Wheelhouse Credit Union is a strong option for personal loans in San Diego, California, with a MoneyGeek score of 90 out of 100. It is federally insured by the NCUA, ensuring your funds are protected. It has no penalty for early repayment, giving you the flexibility to repay your loan ahead of schedule. However, the borrowing limit is $25,000, which might be restrictive for some borrowers. Additionally, it doesn't allow prequalification, which could be a downside for those who want to check their eligibility without affecting their credit score.

San Diego County Credit Union ranks well among personal loan providers in San Diego, California, with a MoneyGeek score of 89 out of 100. It is federally insured by the NCUA, providing extra security for borrowers. Additionally, it offers loan assistance for struggling borrowers, making it a supportive option. However, its $10,000 maximum loan amount may limit financing options for those needing larger sums. Also, there is no option to prequalify, potentially making it harder to gauge eligibility and terms upfront.