Best Personal Loans in Santa Rosa, CA

Patelco Credit Union is Santa Rosa, California's best personal loan provider, with a MoneyGeek score of 100 out of 100. Federally insured by the National Credit Union Administration (NCUA) and serving members since 1936, Patelco offers loans up to $100,000 without origination or prepayment fees.

However, it charges a late fee of $5 or 3% of the amount due. Also, its skip-a-payment feature costs $25 and may impact your LevelUp program status.

Laurel Road is the best online personal loan provider in Santa Rosa, 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.

Redwood Credit Union (RCU) is the runner-up for the best personal loans in Santa Rosa, California, with a MoneyGeek score of 98 out of 100. Federally insured by the NCUA and serving members since 1950, RCU offers a competitive APR starting at 8.79% and no annual fees, making loan management more affordable.

However, its borrowing limit of $50,000 may not meet higher financing needs, and the lack of a prequalification option could be a drawback for those who want to check rates without affecting their credit score.

Community First Credit Union is a strong option for personal loans in Santa Rosa, California, with a MoneyGeek score of 98 out of 100. Federally insured by the NCUA and founded in 1961, it offers no prepayment penalties and provides a loan calculator to help borrowers manage their finances.

However, its website doesn't disclose possible loan amounts, which may complicate early planning. Also, there’s no prequalification option, meaning borrowers must complete the entire application process to determine their eligibility.

North Bay Credit Union is a solid choice for personal loans in Santa Rosa, California, with a MoneyGeek score of 87 out of 100. Established in 1948 and federally insured by the NCUA, it's Sonoma County's oldest credit union. It has an A+ rating from the Better Business Bureau (BBB) and a helpful loan calculator on its website.

However, the borrowing limit is $5,000, which may not suit larger financing needs. Also, it doesn't offer a prequalification option.