Compare top lenders licensed in California. APRs from 5.9%, loans up to $100,000, same-day funding available. CCPA compliant. Free to compare — no credit impact.
| Lender | APR Range | Loan Amount | Best For | Funding Speed | |
|---|---|---|---|---|---|
| LightStream Best Overall | 6.99%–24.49% | $5k–$100k | Excellent credit | Same day | Get Rate |
| SoFi No Fees | 8.99%–29.99% | $5k–$100k | Good credit | Same day | Get Rate |
| Marcus by Goldman Best Debt Consolidation | 6.99%–24.99% | $3.5k–$40k | Debt payoff | 1–4 days | Get Rate |
| Upstart Fair Credit OK | 7.8%–35.99% | $1k–$50k | Thin credit files | 1 day | Get Rate |
| LendingClub | 9.57%–35.99% | $1k–$40k | P2P financing | 2–4 days | Get Rate |
| Discover | 7.99%–24.99% | $2.5k–$40k | No origination fee | Next day | Get Rate |
| Best Egg | 8.99%–35.99% | $2k–$50k | Good credit & fast funding | Same day | Get Rate |
| OneMain Financial | 18%–35.99% | $1.5k–$20k | Bad credit / no credit | Same day | Get Rate |
APR ranges reflect each lender's advertised best and highest rates. California AB 539 caps APR at 36% for loans under $10,000. All lenders listed are licensed by the California DFPI.
Your data rights under the California Consumer Privacy Act are respected throughout the loan comparison process.
LightStream and SoFi can fund California borrowers same day for applications completed before 2:30pm ET.
California law protects you — loans under $10k are capped at 36% APR. All lenders in our network comply.
Our comparison is 100% free to California borrowers. We earn referral fees from lenders, not from you.
California consumer lending is regulated by the California Department of Financial Protection and Innovation (DFPI). Under Assembly Bill 539, signed into law in 2019 and effective January 2020, the APR on consumer installment loans ranging from $2,500 to $10,000 is capped at 36%. Loans under $2,500 may carry higher rates, but the lender must still hold a California Financing Law (CFL) license. Loans of $10,000 and above are not subject to this specific rate cap, though lenders remain bound by general state consumer protection standards and federal truth-in-lending disclosures.
California also grants broad data rights under the California Consumer Privacy Act (CCPA), including the right to request deletion of personal loan inquiry data shared with lenders or marketplaces. Borrowers can exercise these rights directly with any licensed lender. If you believe a lender has charged unlawful interest, misrepresented terms, or failed to honor a CCPA request, you may file a written complaint with the DFPI online or by phone at (866) 275-2677. The DFPI also publishes a public license lookup so residents can confirm that any company offering them a personal loan is properly authorized to operate in California.
Yes. California Assembly Bill 539, effective January 1, 2020, caps the APR on consumer installment loans between $2,500 and $9,999 at 36%. Loans of $10,000 and above are not subject to this specific rate cap. All lenders licensed by the California Department of Financial Protection and Innovation (DFPI) must comply with this law. The cap was designed to eliminate predatory triple-digit APR loans in this amount range.
Most top lenders in California prefer a score of 660 or higher. LightStream typically requires 700+ for its lowest rates. Upstart accepts scores as low as 580 using an AI model that factors in education, employment, and income. OneMain Financial has no minimum score requirement and also offers secured loans backed by your vehicle. A 720+ score generally qualifies for rates under 10% APR with the best California-licensed lenders.
The California Consumer Privacy Act (CCPA) gives you the right to know what personal data is collected about you, request that lenders delete your data, and opt out of the sale of your personal information to third parties. When you apply through TrueRateGuide, your information is shared with lenders for loan matching purposes. You may request a copy of your data or opt out at any time by emailing [email protected]. All lenders in our network maintain CCPA-compliant privacy practices.
Yes. Lenders like Upstart, OneMain Financial, and Best Egg serve California borrowers with scores below 620. California's 36% APR cap on sub-$10k loans provides meaningful protection against extremely high-rate offers. OneMain Financial has branch locations across California for in-person support. If your credit is poor, consider exploring a secured loan or adding a co-signer to access better terms.
Yes. Any company offering consumer installment loans to California residents must hold a California Financing Law (CFL) license issued by the Department of Financial Protection and Innovation (DFPI). This includes online lenders and out-of-state banks partnering with non-bank lenders. You can verify a lender's license status on the DFPI website. Unlicensed lending is a violation of California law, and borrowers can report suspected unlicensed activity to the DFPI at (866) 275-2677.