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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10.25 - 10.75 %

5 Yrs

$40,000

∞

10.7 %

5 Yrs

$30,000

∞

10.9 %

4 Yrs

$50,000

∞

10.95 - 18 %

1 - 5 Yrs

$2,500

∞

11.35 - 19.5 %

1,500 - $25,000

∞

11.49 - 17.49 %

2 - 5 Yrs

$30,000

∞

11.49 - 18 %

0.1 - 5 Yrs

∞

11.49 - 27.49 %

2 - 6 Yrs

$50,000

∞

11.5 - 16.84 %

1 - 5 Yrs

2,500 - $40,000

∞

11.75 - 13.25 %

1 - 8 Yrs

∞

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

Credit Union Loan Rates - Trends & Analysis:

Star One's personal loans have a fixed APR of 10.25% , which is unchanged from both 7 and 30 days ago. The personal line of credit carries an APR of 10.75% , also steady over the same periods. Ventura County has a Signature/lifestyle loan with an APR of 10.7% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Technology loan has a 7% APR, unchanged from 7 and 30 days ago. Certified has a Signature loan with an APR of 10.9% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago.

Sesloc has a Signature loan with an APR of 10.95% , which has stayed the same over the past 7 and 30 days. Their Line of credit has a fixed APR of 11.95% , also unchanged from one week and one month ago. The Life event loan carries an 18% APR, consistent across 7, 30, 60, and 90 days. Usc's Life flex loan has an APR of 19.5% today, which is up from 18.5% seven and 30 days ago. The Personal line of credit remains steady at 11.35% , with no change over the past 90 days.

Credit Union Of Southern California has a Credit builder loan with an APR of 5% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Line of credit has an APR of 12.49% , unchanged from 7 and 30 days ago but higher than 90 days ago. Nuvision's closed–end personal loan has an APR of 11.49% , which has stayed the same over the past 7, 30, 60, and 90 days. The line of credit for overdraft protection carries an APR of 12.65% , also unchanged during those time frames.

Technology has a personal loan with an APR of 11.49% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate applies regardless of the loan term. Meriwest has a Personal loan with an APR of 11.55% , which has stayed the same over the past 7 and 30 days. The Go solar loan has a rate of 8.6% , also unchanged from a week and a month ago. Both rates have remained steady compared to 60 and 90 days ago. Affinity's personal loan has an APR of 11.75% , unchanged from it was 7 and 30 days ago but lower than 60 and 90 days ago. The debt consolidation loan APR is 12.75% , unchanged from 7 and 30 days ago, and also lower than it was 60 and 90 days ago.

🏦 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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