Best Personal Loans in Rancho Cucamonga, CA

California Bank and Trust is the best personal loan lender in Rancho Cucamonga, California, with a MoneyGeek score of 96 out of 100. Established in 1952, it is a member of the FDIC. It offers a borrowing limit of $100,000, making it attractive for those needing large loan amounts. It also offers a 0.25% rate discount if you set up automatic payments from a CB&T deposit account. However, note that its minimum loan amount is $2,500, which might not suit those looking for smaller loans. Additionally, there is a $75 origination fee that applies when taking out a loan.

Laurel Road is the best online lender for personal loans in Rancho Cucamonga, California, with a MoneyGeek score of 94 out of 100. It offers a loan amount range from $5,000 to $45,000 and repayment terms spanning 36 to 60 months, providing borrowers with a flexible timeline to manage their finances. Laurel Road also offers a 0.25% autopay discount, which can help reduce the total loan cost over time, and does not charge origination fees, allowing borrowers to save money on upfront costs. However, its minimum loan amount is on the higher side, which could be a barrier for those seeking smaller loans. Additionally, a late fee of 5% or $28 may be applied, which is something borrowers need to keep in mind if they encounter payment difficulties.

Chaffey Federal Credit Union is the runner-up for the best personal loans in Rancho Cucamonga, California, with a MoneyGeek score of 93 out of 100. Established in 1964, it is federally insured by the National Credit Union Administration (NCUA). It offers skip-a-payment with a $20 fee for members in good standing, and has an A rating from the Better Business Bureau. However, you might face challenges with its services since the lender doesn't disclose loan eligibility requirements on the website and there is no option to prequalify for personal loans online.

Arrowhead Credit Union is another reliable option for personal loans in Rancho Cucamonga, California, earning a MoneyGeek score of 89 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has been serving members since 1949. It allows you to borrow as low as $500, which provides flexibility for those seeking smaller loan amounts. There's also the added benefit of no prepayment penalties, letting you pay off your loan early without extra costs. However, you should consider that the maximum loan amount is $25,000, which might not suit those needing higher sums, and there's no option to prequalify, which can make it difficult for you to gauge your eligibility before applying.