Home Equity Loans in San Luis Obispo, CA

If you're in San Luis Obispo, CA, and thinking about a home equity loan, you're in the right place. Compare offers from trusted local lenders who know the community and offer flexible terms to fit your needs.

Whether you want to remodel your home or consolidate debt, a home equity loan can be a smart way to unlock your property's value. Explore your options and find the best rates and fast funding right here in San Luis Obispo.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
navyfederal
7.34 %
5 Yrs
70 %
∞
safecu
7.375 - 10.54 %
10 - 15 Yrs
80 %
∞
redwoodcu
7.49 - 8.99 %
5 - 15 Yrs
85 %
∞
lbsfcu
7.75 - 7.99 %
10 - 20 Yrs
80 %
∞
alturacu
8.027 - 8.83 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Navy Federal Credit Union has a Home Equity loan with an APR of 7.34% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months. Safe has a Home Equity loan with an APR range of 7.38% to 10.54% today. Redwood's Home Equity rates are 7.49% to 8.99% today, the same as 7 and 30 days ago but slightly lower than 60 days ago. The HELOC rates are 7.5% to 8.5% , down from 8% to 8.5% both 7 and 30 days ago.

Lbs Financial has a HELOC with an APR of 7.75% , unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan shows an APR of 7.99% , unchanged from 7, 30, 60, and 90 days ago. Both rates have stayed steady over the past few months. Altura's HELOC rate is 8.03% today, unchanged from 7 and 30 days ago but slightly higher than 60 and 90 days ago when it was 8% . The Home Equity rate is 8.83% , down from 8.89% a week ago but up from 8.68% thirty days ago and higher than 60 and 90 days ago.

🏦 Local Lenders in San Luis Obispo, CA

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in San Luis Obispo County, CA

✅SESLOC CREDIT UNION
✅COASTHILLS FEDERAL CREDIT UNION
✅SLO CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION
✅EDUCATIONAL EMPLOYEES CREDIT UNION

Compare other loan types in San Luis Obispo, CA

Why compare Home Equity Loans in San Luis Obispo, CA on LendMesh

If you’re exploring the best place to get a home equity loan in San Luis Obispo, CA, take your time comparing multiple lenders on LendMesh. With a range of options at your fingertips, you can find better deals and more affordable rates that fit your unique needs. Unlock your home’s value with confidence, knowing you’ve found the right loan for your goals — whether it’s for renovations, debt consolidation, or other plans.

Stay ahead in the San Luis Obispo market by subscribing to LendMesh’s personalized alerts. Simply share your target rate, and we’ll notify you the moment offers dip below that level. Receive weekly or monthly updates packed with expert insights, rate trends, and curated loan deals, all delivered straight to your inbox. Join thousands of local borrowers who trust LendMesh to make smart, informed home equity loan decisions.

Customers are also interested in:

Best Place To Get A Home Equity Loan