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

The best personal loan in Santa Ana will depend on your particular needs and situation. To help you find the right option, MoneyGeek analyzed and compared lending companies based on more than 30 data points. These include loan amounts, repayment lengths, interest rates, fees and minimum requirements.

We also considered the factors affecting your chances of getting approved for a personal loan, such as minimum credit score, income and debt-to-income ratio. Based on this information, we determined the best lenders for various profiles.

Best Overall Personal Loan Lender in Santa Ana: 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


Best Personal Loan Lender for Bad Credit in Santa Ana: 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


Best Personal Loan Lender for Good Credit in Santa Ana: 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


Best Personal Loan Lender for Debt Consolidation in Santa Ana: 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


Best Personal Loan Lender for Home Improvement in Santa Ana: 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

How to Choose the Best Personal Loan Lender in Santa Ana for You

The average personal loan debt in California is $16,790. People in the state take out personal loans for various reasons, including consolidating existing debt and taking care of emergency expenses. Before applying for a personal loan in Santa Ana, it’s important to determine if it’s the right option for you and your needs.

MoneyGeek recommends taking the following steps to help you decide whether or not to apply for a personal loan.


Ask Yourself the Important Questions

Before applying for a personal loan, ask yourself some questions to ensure that this is the best option for your needs. Questions to ask include:

  1. How much funding do I need? Evaluate your current financial situation and how much money you need. The amount you choose can have an impact on your repayment period and the time it takes for your loan to be funded.
  2. What is my credit score? Keep in mind that lenders take into consideration your credit score when reviewing your application. Having a poor credit score may limit your options.
  3. Can I afford the monthly payment? It’s important to think long-term when it comes to personal loans since they require a commitment. Make sure that you can afford the monthly payments.
  4. How much debt do I already have? If you already have existing debts, adding a personal loan may not be the wisest choice.

Do Your Research

Conducting your own research is vital when deciding whether or not a personal loan is right for you. Make sure you gather enough relevant information to compare different lending companies. These include their loan amounts, interest rates, hidden fees and repayment terms. Also, find out if they allow pre-approvals or if they do hard credit pulls, which can affect your credit score.

MoneyGeek provided this guide to help you learn more about personal loans in Santa Ana. However, our recommendations may not apply to your unique circumstances. That’s why it’s still best to explore other options to find the best lender for your financial needs.



Once you have all the information you need, step back and wait a day or two before starting your loan application. Doing this can help you look at your options with more objectivity. Remember that getting a personal loan is a big commitment, so it’s important to weigh your options and decide whether this is the best financial decision you can make for your situation.


Read the Fine Print

After deciding on a lender, read and understand the fine print. This can help you find out what fees and penalties are associated with the loan. These include origination fees, prepayment penalties and late fees. By reviewing the fine print, you can avoid overlooking smaller details and even find out ways to save, like getting a discount for setting up an automatic payment.



Once you feel good about your chosen lender and are clear about the requirements, it’s time to submit your application. Lenders often require identification, address verification and proof of income during the application process. Make sure that the information you provide is accurate because this can affect your chances of getting approved. Some lenders allow online applications, but there’s no harm in calling the lender or visiting a brick-and-mortar location if these options are available.

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

Getting your loan application rejected can be disheartening, but it doesn’t mean your loan journey is over. You can always get in touch with your lender to ask about the factors that affected their decision. These can be because of a low credit score or insufficient income.

When you approach your lender, make sure to ask if there’s anything about your loan details that you can modify. For instance, you can try shortening your loan term or decreasing your loan amount.

An alternative option is to apply to a different lender. However, it’s best to improve the areas that caused your application to be denied in the first place before doing this. That way, you can avoid another rejection.

MoneyGeek also advises against payday loans. Although they can provide quick access to cash, they come with high interest rates and limited repayment options.

Frequently Asked Questions About Personal Loans in Santa Ana

There are various options for personal loans in Santa Ana, and the best one for you will depend on your particular needs as well as your credit and income. You can understand personal loans better and find out which lender is best suited to your unique needs by reading MoneyGeek’s answers to the following frequently asked questions.

Our Personal Loan Methodology

We analyzed more than 30 personal loan lenders using 35+ data points across six key categories. These included but were not limited to loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each category, we took into account several individual data points that we feel carry the most weight when choosing a personal loan lender. These include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

MoneyGeek values every consumer, so we also considered each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible, like prequalification, payment options and mobile apps.

After careful consideration and calculation, our top picks are determined with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make an informed decision when picking a lender that best meets your needs.


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.