Best Personal Loans in San Jose, CA

Meriwest Credit Union is the best personal loan provider in San Jose, California, with a MoneyGeek score of 97 out of 100. Federally insured by the National Credit Union Administration (NCUA) and serving members since 1961, it offers personal loans with a minimum amount of $1,000, making it accessible for those needing smaller loans. With an A+ rating from the Better Business Bureau (BBB), it demonstrates strong customer service.

However, the credit union doesn't disclose any rate discounts on its website. Additionally, late payments (10 days after the due date) incur a fee of $10 or 5% of the amount due, whichever is less.

Laurel Road is the best online personal loan provider in San Jose, California, with a MoneyGeek score of 94 out of 100. It offers loans from $5,000 to $45,000 with repayment terms of 36 to 60 months. Borrowers can get a 0.25% discount for autopay and pay no origination fees.

However, its high minimum loan amount may not work for those needing smaller loans. Borrowers should also watch out for the 5% or $28 late fee, which can add up if they miss payments.

Santa Clara County Federal Credit Union (SCCFCU) is the runner-up for the best personal loans in San Jose, California, with a MoneyGeek score of 97 out of 100. Federally insured by the NCUA, SCCFCU has served members since 1950. It offers loans starting at $500 for borrowers needing smaller amounts and features a calculator for an amortization schedule, enhancing repayment transparency.

However, the borrowing limit of $30,000 may not suffice for larger needs. The lender doesn't disclose rate discounts that could impact overall loan costs.

Pacific Postal Credit Union is a solid option for personal loans in San Jose, California, earning a MoneyGeek score of 96 out of 100. Serving members since 1931 and federally insured by the NCUA, it offers APRs as low as 9.75% and allows joint applications for added flexibility.

However, the borrowing limit is $15,000, and the absence of prequalification may restrict loan planning and comparison for some borrowers.

Technology Credit Union is a strong choice for personal loans in San Jose, California, with a MoneyGeek score of 95 out of 100. Federally insured by the NCUA since 1960, it has three branches in the city and holds an A+ rating from the Better Business Bureau (BBB).

However, it doesn't disclose eligibility requirements for personal loans, and the borrowing limit of $50,000 may not suit all borrowers.