Personal Loans in Modesto, CA 95354

Looking for a personal loan in Modesto, CA? Compare local offers easily to find competitive rates that fit your budget and goals. Whether it’s for home improvements, debt consolidation, or unexpected expenses, you’re just a few clicks away from smarter financing.

Our Modesto neighbors trust credit unions and banks that know the community well. Quick approvals and flexible terms mean you can get the support you need without the hassle. Start comparing today and take control of your financial future with confidence.

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APR

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7.99 - 11.99 %

1 - 7 Yrs

∞

7.99 - 18 %

0.3 - 5 Yrs

$50,000

∞

8.24 - 14.74 %

3 - 5 Yrs

$25,000

∞

8.39 - 20.29 %

1 - 5 Yrs

$25,000

∞

8.49 - 10.24 %

1 - 7 Yrs

∞

8.49 - 11.75 %

2.1 - 5 Yrs

∞

8.5 %

5 Yrs

$50,000

∞

8.64 - 11.99 %

6 Yrs

∞

8.74 - 10.74 %

1 - 5 Yrs

∞

8.74 - 16.25 %

5 Yrs

1,500 - $30,000

∞

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

Credit Union Loan Rates - Trends & Analysis:

Justice has a Personal loan with an APR of 7.99% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago. Schoolsfirst has a personal loan with an APR of 7.99% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate provides a clear picture of the loan's cost over time. Sierra Central has a personal loan with an APR of 8.24% , which has stayed the same over the past 7, 30, and 90 days. Their line of credit has a fixed APR of 14.74% , unchanged from 7, 30, and 60 days ago.

1St United's Personal loan has an APR of 8.39% today, unchanged from 7 and 30 days ago but higher than 30, 60, and 90 days ago. The Personal line of credit rate remains steady at 11.4% with no changes over the past 90 days. Community First's member exclusive personal loan rates at 8.49% APR today. This rate has stayed the same over the past 7, 30, 60, and 90 days. State Department's personal loans with an APR of 8.49% , which has stayed the same over the past 7 and 30 days. Their Moneyline line–of–credit has a fixed APR of 11.75% , unchanged from 7, 30, 60, and 90 days ago.

America'S Christian has a Signature loan with an APR of 8.5% today, unchanged from it was 7, 30, and 60 days ago. This rate is lower than it was 90 days ago when the APR was 9.5% . Together has a Personal loan with an APR of 8.64% today, unchanged from it was 7 days ago. There's no change in the rate compared to the past week. Firefighters First has a Signature loan with an APR of 8.74% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago.

The Golden 1 has a personal loan with an APR of 8.74% , which has stayed the same over the past 7, 30, 60, and 90 days. Their personal line of credit has an APR of 11.29% , also unchanged from 7, 30, and 60 days ago. The credit starter loan carries a 16.25% APR with no change in the last 7, 30, or 60 days.

🏦 All Local Lenders in Modesto, CA

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
MOCSE FEDERAL CREDIT UNION	1400 J ST MODESTO CA 95354	⏰ Monday - Thursday 9 am - 5 pm Friday 9 am - 6 pm 📞 2095723600 📠 2095721714	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements	Assets: $410,506,581 Deposits: $33,106,388 Net Worth: $39,592,401 Employees: 68 Members: 28,790
MODESTO'S FIRST FEDERAL CREDIT UNION	430 12TH ST MODESTO CA 95354	⏰ Monday thru Friday 9:00am to 5:00pm 📞 2095212020 📠 2095214570	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services	P2P E-Statements	Assets: $55,630,060 Deposits: $1,690,816 Net Worth: $5,648,959 Employees: 8 Members: 3,150
VALLEY FIRST CREDIT UNION	1419 J ST MODESTO CA 95354	⏰ M - TH 9:00 - 5:30 F 9:00 - 6:00 SATURDAY 9:00 - 1:00 📞 2095498500 📠 2095794120	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,035,821,856 Deposits: $140,377,170 Net Worth: $100,415,249 Employees: 171 Members: 74,150

🏘️ All the Lenders Available in Stanislaus County, CA

✅VALLEY FIRST CREDIT UNION

✅SELFHELP CREDIT UNION

✅MOCSE FEDERAL CREDIT UNION

✅MODESTOS FIRST CREDIT UNION

✅CALIFORNIA COMMUNITY CREDIT UNION

✅ROLLING F CREDIT UNION

✅THE GOLDEN 1 CREDIT UNION

✅ORGANIZED LABOR CREDIT UNION

Compare other loan types in Modesto, CA

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