Best Personal Loans in Fontana, CA

Christian Community Credit Union stands out as the best personal loan lender in Fontana, California, with a MoneyGeek score of 100 out of 100. Christian Community Credit Union (CCCU) is a faith-based financial cooperative that's federally insured by the National Credit Union Administration (NCUA). This lender offers loans with no origination fee, which could lead to significant savings right from the start.

Additionally, it prides itself on having no prepayment penalty, making it easier for you to repay your loan early without additional costs. However, you should know that it charges a $30 fee for any returned loan payment. Another point to consider is its borrowing limit set at $50,000, which might be insufficient if you need a higher amount.

Laurel Road is the best online lender for personal loans in Fontana, California, with a MoneyGeek score of 94 out of 100. It offers loans ranging from $5,000 to $45,000 with repayment terms between 36 to 60 months. In addition to allowing borrowers to shave off some of the interest by setting up autopsy — which provides a 0.25% discount—it also spares them from origination fees.

However, the $5,000 minimum loan amount could be higher than what some borrowers seek, and for those who might miss a payment, there is a late fee of either 5% or $28 to keep in mind.

Golden 1 Credit Union stands out as the runner-up for personal loans in Fontana, California, with a MoneyGeek Score of 97 out of 100. It was established in 1933 by 11 state employees as California State Employees' Credit Union, which eventually became Golden 1. It is federally insured by the National Credit Union Administration (NCUA). It offers attractive features for borrowers. The lender does not charge an origination fee, which can help you save on initial loan costs. There is also no prepayment penalty, providing flexibility if you decide to pay off your loan early.

However, you should be aware that the borrowing limit is capped at $50,000, which may not meet all financial needs if you require a larger loan. Additionally, there is a late payment fee of 5% of the past due amount or $15, whichever is greater, highlighting the importance of timely payments to avoid extra charges.

Credit Union of Southern California is a suitable choice for personal loans in Fontana, receiving a MoneyGeek score of 92 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has served members since 1954. This lender offers several attractive features. You can start with a minimum loan amount of $500, which allows flexibility for borrowers who need smaller loans. Another appealing aspect is that there are no application or prepayment fees, providing a more cost-effective borrowing experience.

However, consider that borrowers can only borrow up to $30,000, which may limit options for those needing larger amounts. Additionally, it doesn't allow prequalification, which might be less convenient if you're comparing loan offers.

UNCLE Credit Union is a solid option for personal loans in Fontana, California, with a MoneyGeek score of 91 out of 100. Established in 1957, it is federally insured by the National Credit Union Administration (NCUA). When considering this lender, you may find that it provides loan payment assistance, which can offer some relief during difficult financial times. Additionally, it has a mobile app to make managing your loan more convenient.

However, keep in mind that the maximum loan amount offered is $40,000, which might limit larger borrowing needs. It also charges a late fee of $10 or 5% of the monthly payment, which is something to consider if timely payments might be a concern.