Best Personal Loans in Huntington Beach, CA

Huntington Beach Credit Union stands out as the best personal loan lender in Huntington Beach, California, with a MoneyGeek score of 95 out of 100. Since 1953, it has provided secure banking and investment services to its members, insured by the National Credit Union Administration (NCUA). It offers flexibility for borrowers, with the ability to borrow as low as $1,000 and the option to skip a loan payment. However, potential borrowers should be aware that it doesn't allow prequalification and charges a late fee of $15 or 3%.

In the search for the best online lender for personal loans in Huntington Beach, California, Laurel Road holds the top spot with a MoneyGeek score of 94 out of 100. It offers a loan amount range from $5,000 to $45,000 and repayment terms between 36 to 60 months. When considering Laurel Road, it's helpful to know that it provides a 0.25% autopay discount and does not charge origination fees, which can lower the overall cost of the loan.

However, the minimum loan amount is relatively high, which might not suit those who need a smaller sum of money. Another factor to consider is the late fee, which could be 5% or $28, potentially adding to the cost if a payment is missed.

Kinecta Federal Credit Union ranks second for the best personal loans in Huntington Beach, California, with a MoneyGeek score of 95 out of 100. Kinecta Federal Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1940. It offers the opportunity to borrow up to $100,000, making it an attractive option for those needing substantial funds.

Additionally, there's no prepayment penalty, giving borrowers flexibility in managing their loan repayment. However, it does not provide a prequalification process, which might be a concern for those who want to explore their loan options without affecting their credit score. Another point to consider is that it does not disclose loan eligibility requirements, which could be challenging for potential applicants trying to determine their chances of approval.

Unify Financial Credit Union stands as a solid choice for personal loans in Huntington Beach, California, with a MoneyGeek score of 93 out of 100. Since 1940, UNIFY Financial Credit Union has been dedicated to assisting its members, backed by federal insurance from the National Credit Union Administration (NCUA).

As a borrower, you'll appreciate its 0.25% autopay discount and that it charges no application or prepayment fees. However, you should consider that loan amounts are capped at $50,000, which might limit your borrowing potential. Additionally, if you're hoping to explore options online, its lack of prequalification could be a downside.

Nuvision Federal Credit Union stands as a commendable option for personal loans in Huntington Beach, California, with a MoneyGeek Score of 92 out of 100. NUvision credit union is a not-for-profit financial institution that's federally insured by the National Credit Union Administration (NCUA). It offers a 0.25% discount for autopay, providing you with an opportunity to save on interest, and allows you to borrow as low as $500, offering flexibility in loan amounts. However, borrowers might find the limited information about loans on its website somewhat limiting, and the $5 fee for loan adjustments could be a deterrent. With these points in mind, understanding its offerings and terms is essential when considering this lender for your financial needs.