Personal Loans in Sacramento, CA 95815

Looking for a personal loan in Sacramento but worried about no credit? You’re not alone. Compare loan offers from trusted local lenders who understand your situation and want to help you get the funds you need—fast and with flexible repayment options.

Whether it’s an unexpected bill or a big life event, Sacramento residents can find affordable loans tailored to their needs. Start comparing today to find the best rates and terms that fit your budget, even if you have no credit history.

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APR

Term

Amount

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4.64 - 8.49 %

∞

4.99 - 17.99 %

0.1 - 7 Yrs

∞

6.09 - 17.99 %

5 Yrs

$50,000

∞

6.24 - 15.24 %

0.8 - 10 Yrs

2,500 - $20,000

∞

6.99 - 13.65 %

2 - 7 Yrs

35,000 - $50,000

∞

6.99 - 17.9 %

0.5 - 7 Yrs

$100,000

∞

7.19 - 18 %

3 - 5 Yrs

$30,000

∞

7.49 - 8.99 %

2 - 5 Yrs

$50,000

∞

7.79 - 18 %

1 - 7 Yrs

$30,000

∞

7.9 - 25.49 %

1 - 5 Yrs

∞

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

Credit Union Loan Rates - Trends & Analysis:

Baxter's personal loan has a 7.49% APR today, which is up from 6.99% thirty and sixty days ago but unchanged from seven days ago. The credit builder loan remains steady at 4.5% APR with no changes in the past 30 days. San Francisco's personal loans with an APR of 4.99% today, which has not changed in the past 7 or 30 days. Their debt consolidation loans have a fixed APR of 7.99% , also steady over the same periods. Pentagon's personal loans with an APR of 6.09% today, unchanged from it was 7 and 30 days ago. This rate has remained steady over the past month.

Affinity Plus has a Credit builder loan with an APR of 6% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Homeowner debt consolidation loan is at 6.99% APR today, down from 7.74% seven days ago but unchanged from 30, 60, and 90 days ago. First Technology's Fixed–rate loan has an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit carries an APR of 12.5% , also unchanged from 7 and 30 days ago.

Patelco's Personal loan has a 6.99% APR today, unchanged from it was 7 and 30 days ago. This rate is lower than it was 60 and 90 days ago when the APR was 9.3% . First Entertainment's personal loan has an APR of 7.19% , which is unchanged from 7 and 30 days ago. The personal line of credit has a steady APR of 12.24% , the same as it was 7, 30, 60, and 90 days ago. Bay has a personal loan with an APR of 7.49% . This rate has stayed the same compared to 7, 30, and 60 days ago. The consistent rate provides a clear picture of borrowing costs over time.

Nasa's Cashline line of credit has a fixed APR of 11.49% , unchanged from 30 days ago. The Home improvement loan and Personal unsecured loan both have a 7.79% APR today, which is up from 7.69% seven and 30 days ago. The Personal unsecured loan's rate is higher than it was 60 and 90 days ago, when it was 7.44% . Safe 1 has a personal loan with an APR of 7.9% , which has stayed the same over the past 7, 30, 60, and 90 days. The personal line of credit has a fixed APR of 14.49% , also unchanged during those periods.

🏦 All Local Lenders in Sacramento, CA

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
SCHOOLSFIRST FEDERAL CREDIT UNION	1485 RESPONSE RD STE 126 SACRAMENTO CA 95815	⏰ Monday - Saturday 6am-6pm 📞 8004628328	ATM Services Only	P2P E-Statements E-Signature	Assets: $31,084,507,740 Deposits: $3,063,823,932 Net Worth: $3,111,512,312 Employees: 2880 Members: 1,435,595
THE GOLDEN 1 CREDIT UNION	1301 EXPOSITION BLVD SACRAMENTO CA 95815	⏰ Monday - Friday 10:00 - 5:00 Saturday 10:00 - 2:00 📞 9167322900 📠 9163637064	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 E-Signature	Assets: $19,582,379,014 Deposits: $777,140,260 Net Worth: $2,041,864,607 Employees: 2082 Members: 1,132,440

🏘️ All the Lenders Available in Sacramento County, CA

✅THE GOLDEN 1 CREDIT UNION

✅SAFE 68366 CREDIT UNION

✅PATELCO CREDIT UNION

✅UKRAINIAN FEDERAL CREDIT UNION

✅SACRAMENTO CREDIT UNION

✅HERITAGE COMMUNITY CREDIT UNION

✅SCHOOLSFIRST FEDERAL CREDIT UNION

✅PROVIDENT 66343 CREDIT UNION

✅FIRST US COMMUNITY CREDIT UNION

✅SAFE CREDIT UNION

✅CALIFORNIA COMMUNITY CREDIT UNION

✅SELFHELP CREDIT UNION

✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION

✅MERIWEST CREDIT UNION

✅CAHP CREDIT UNION

✅VISION ONE CREDIT UNION

✅POLAM 21502 CREDIT UNION

Compare other loan types in Sacramento, CA

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