Best Personal Loans in Fremont, CA

Patelco Credit Union is the best personal loan lender in Fremont, California, with a MoneyGeek score of 100 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1936. For borrowers seeking flexibility, it offers the ability to borrow up to $100,000 and requires no origination fees. However, it charges a late fee of $5 or 3% and imposes a $20 fee for returned loan payments.

Laurel Road is the best online lender for personal loans in Fremont, California, with a MoneyGeek score of 94 out of 100. It offers loan amounts ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months. It provides a 0.25% discount on your interest rate if you set up autopay. It doesn't have origination fees, which can lower the overall cost of your loan. However, the minimum loan amount might be higher than what some borrowers need. If you miss a payment, it imposes a late fee of either 5% of the unpaid amount or $28, whichever is greater.

1st United Credit Union is the runner-up for the best personal loans in Fremont, California, with a MoneyGeek score of 96 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1932. It offers low APRs starting at 6.99%, making it a competitive choice for those seeking affordable rates. It has a personal loan calculator, which can aid in planning by providing insights into potential loan payments. However, there are a couple of limitations to consider. Its borrowing limit is capped at $25,000, which might be restrictive for those with larger financial needs. There's also limited information about its loans on the website, which could make it difficult for potential borrowers to gather all the necessary details before applying.

Technology Credit Union is a suitable choice for personal loans in Fremont, California, with a MoneyGeek score of 94 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1960. It offers the convenience of no membership requirement for loan applications. It also has a personal loan calculator to help you plan your finances. However, its borrowing limit is $50,000, which might not suffice for larger financial needs. Additionally, it doesn't disclose loan eligibility requirements upfront, which could lead to some uncertainty during the application process.

Monterra Credit Union is a strong option for personal loans in Fremont, California, with a MoneyGeek score of 92 out of 100. It was founded in 1952 and is federally insured by the National Credit Union Administration (NCUA). It offers competitive APRs starting at 9.99%. It also allows you to borrow as little as $100, offering flexibility for those needing small loans. However, there are some factors to consider. The borrowing limit caps at $35,000, which may not be sufficient if you require larger amounts. Additionally, the inability to prequalify could be inconvenient if you want to assess eligibility before applying.