Best Personal Loans in Stockton, CA

Golden 1 Credit Union is the best personal loan lender in Stockton, California, with a MoneyGeek score of 99 out of 100. It was established in 1933 by 11 state employees as California State Employees' Credit Union, which eventually became Golden 1. It is federally insured by the National Credit Union Administration (NCUA).

Borrowers will benefit from no origination fee, allowing you to save money upfront when taking out a loan. Additionally, there is no prepayment penalty, giving you the flexibility to pay off the loan early without extra costs. However, consider that its borrowing limit is $50,000, which might be restrictive if you're looking for a larger loan. It has a late payment fee of 5% of the past due amount or $15, whichever is greater, which can add to your repayment costs if you're late on payments.

Laurel Road is the best online lender for personal loans in Stockton, California, with a MoneyGeek score of 94 out of 100. It offers loans ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months. Laurel Road has a 0.25% autopay discount and does not charge origination fees, which can be appealing to borrowers looking to save on extra costs.

Its process also includes soft credit checks, which won't impact your credit score during the initial application. However, it sets a high minimum loan amount that may not suit those who need smaller loans. Additionally, its late fee structure, charging 5% or $28, is something borrowers should consider when assessing their ability to make payments on time.

UNCLE Credit Union ranks as the runner-up for the best personal loans in Stockton, California, with a MoneyGeek Score of 95 out of 100. Established in 1957, it is federally insured by the National Credit Union Administration (NCUA).

It provides loan payment assistance and has a mobile app, making managing loans more convenient. However, its maximum loan amount is $40,000, which might limit larger financing needs, and it charges a late fee of $10 or 5% of the monthly payment, whichever is greater.

Central State Credit Union stands out as a suitable choice for personal loans in Stockton, California, with a MoneyGeek score of 92 out of 100. Central State Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1936.

It offers two physical branches in Stockton, providing accessibility for local customers. Additionally, it holds an A+ rating with the Better Business Bureau, reflecting a strong reputation in customer service. However, borrowers should note the borrowing limit is $15,000, which might not cover all needs. Furthermore, it does not offer any rate reduction, which could affect long-term cost savings.

Mokelumne Federal Credit Union offers a solid option for personal loans in Stockton, California, with a MoneyGeek score of 91 out of 100. Mokelumne Federal Credit Union, established in 1959, is federally insured by the National Credit Union Administration (NCUA).

It provides borrowers an appealing interest rate with an APR starting at 7.99% and also features a user-friendly loan calculator to help plan finances. However, it does not offer rate discounts for personal loans, which might influence your decision. Additionally, the absence of a prequalification process could hinder your ability to gauge eligibility before applying. Consider these aspects carefully when determining whether it meets your personal loan needs.