Best Personal Loans in Sunnyvale, CA

Patelco Credit Union is the best personal loan lender in Sunnyvale, California, with a MoneyGeek score of 100 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1936. You can borrow up to $100,000, and there are no origination or prepayment fees. However, it charges a late fee of $5 or 3% of the amount due, whichever is higher. Additionally, using its skip-a-payment feature costs $25 and can affect your status if you're in the LevelUp program, so careful financial planning is recommended.

Laurel Road is the best online lender for personal loans in Sunnyvale, California, with a MoneyGeek score of 94 out of 100. It offers loan amounts ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months. It provides a 0.25% autopay discount and does not charge origination fees. However, it has a high minimum loan amount and imposes a late fee of 5% or $28, which can add to the cost if payments are not made on time.

Technology Credit Union is the runner-up for the best personal loans in Sunnyvale, California, with a MoneyGeek score of 93 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1960. The lender has an A+ rating from the Better Business Bureau. It provides a loan calculator, which is a useful tool for determining whether a personal loan is a good choice for consolidating debt. On the other hand, it does not disclose eligibility requirements for personal loans, which could require extra steps in your decision-making process. Its borrowing limit is $50,000, so you might need to explore other options if you're looking for more substantial funding.

Provident Credit Union is a suitable choice for personal loans in Sunnyvale, California, with a MoneyGeek score of 92 out of 100. It was founded in 1950 and is insured by the National Credit Union Administration (NCUA). It provides borrowers with lending consultants, which can be particularly helpful if you need guidance through the borrowing process. It also has a mobile app, making it convenient for tech-savvy users to manage their loans on the go. However, you should consider that its borrowing limit is capped at $35,000, which might not meet your needs if you're looking for a larger loan amount. It also charges a nonsufficient funds fee (NSF) of $28, which can add up if you’re not careful with your payments.

Star One Credit Union is a worthwhile option for personal loans in Sunnyvale, California, with a MoneyGeek score of 90 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1956. It offers competitive interest rates ranging from 10.25% to 14.25%, loan amounts between $1,000 and $40,000 and repayment terms of up to 60 months. It offers a 0.25% discount for autopay. However, it does not allow prequalification. It also doesn't disclose eligibility requirements for personal loans, which could be a concern for those wanting transparency and a quicker application process.