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Find the Best Personal Loans in San Diego, CA

A personal loan can finance a life event, unexpected expense, home remodel, bill consolidation or even a vacation. We researched the best personal loans in San Diego whose companies offer a streamlined application process and quick access to funds.

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#1 OUR FAVORITE
Best Egg
Overall satisfaction rating
  • No prepayment penalties
  • Simple, fixed monthly payments
  • Simple, fixed monthly payments
  • Available in San Diego
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#2
Overall satisfaction rating
  • Short, online application
  • Custom repayment schedule
  • Available in San Diego
  • Builds your credit score

NetCredit is a personal loan company offering loans up to $10,000. The company is a subsidiary of Enova International, Inc. Net Credit has a creative My RightFit ToolTM to help consumers customize their loan amount and repayment terms.

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#3
Overall satisfaction rating
  • Loans up to $40,000
  • Same-day loan decisions
  • One fixed monthly payment
  • Available in San Diego

FreedomPlus is an online loan broker that provides loans from $7,500 to $40,000. Get approved in less than a day, and you could receive funds in as little as 48 hours.

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#4
Credit Direct Loans
  • Available in San Diego
  • Loans up to $40,000
  • A+ BBB rating
  • Online loan process
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California Coast Credit Union
  • Apply online
  • Secured & unsecured loans
  • Class Cash for teachers
  • Loans up to $20,000
Location
5555 Mildred St.
San Diego, CA 92110
(877) 732-2848
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San Diego County Credit Union
  • Loans from $500-$30,000
  • Secured & unsecured loans
  • Energy efficiency loans
  • Student & parent loans
Location
9201 Spectrum Center Blvd.
San Diego, CA 92123
(877) 495-1600
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Overall satisfaction rating
  • M-F: 7am-10pm
  • Sat: 9am-4pm
  • Sun: 9am-4pm
  • opploans.com

OppLoans specializes in quick and affordable personal loans up to $4,000. If approved, the money may be in your hands within 24-hours with interest rates generally lower than payday or title loans. They also provide personal, one-on-one customer service for the care you need during these stressful times.

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Point Loma Credit Union
  • M-F: 9am-6pm
  • Closed Sat and Sun
  • plcu.com
Location
9420 Farnham St.
San Diego, CA 92123
(858) 495-3400
San Diego Metropolitan Credit Union
  • M-T: 8:30am-4pm
  • W: 10am-4pm
  • Th: 8:30am-4pm
  • F: 8:30am-5pm
Location
320 B St.
San Diego, CA 92101
(619) 297-4835
LoanNow
  • M-F: 9am-5pm
  • Closed Sat and Sun
  • loannow.com
Location
Online services in
San Diego, CA
(800) 437-1875
OneMain Financial
  • M: 8:30am-5:30pm
  • T: 8:30am-7pm
  • W-F: 8:30am-5:30pm
  • Closed Sat and Sun
Location
7317 Clairemont Mesa Blvd.
San Diego, CA 92111
(858) 279-6675

Benefits of personal loans in San Diego

San Diego skyline

With home sales growing, investing in a remodel of an old home can increase its value. Homeowners in older neighborhoods undergoing housing improvements, like in Normal Heights or North Park, might consider personal loans to help maintain the value of their homes.

With a personal loan, you can spend the money on anything unlike loans granted for home or vehicle purchases. One advantage of personal loans is their relatively low interest rates compared to credit card cash advances. Longer terms allow for lower monthly payments. Another advantage of a personal loan is that it’s based on your creditworthiness and not tied to property, like a house or car.

Personal loans might be available to those with low credit scores, but the trade-off is a higher interest rate. For example, credit unions tend to have more relaxed lending criteria for lower credit scores.

How to get a personal loan in San Diego

A personal loan application can be completed online for both online lenders and credit unions. It’s a good idea to have the following available:

  • Social Security number
  • Government-issued ID
  • Mailing address
  • Current credit score
  • Gross annual income

Additional documentation, like proof of income (i.e. pay stub) and proof of address (i.e. utility bill), might be required. Some applications might ask about the purpose of the loan.

Depending on the lender, a personal loan might be deposited into your account in as little as one day. Minimum and maximum amounts are set by lenders and depend on your financial situation. In California, usury laws limit the amount of interest on personal loans. Ask your lender about this. For San Diego military families borrowing money, make sure the lender knows about your rights under the Servicemembers Civil Relief Act.

Borrowing for a personal loan might incur an origination fee, which will be deducted from the amount deposited into your account. Loans are paid back in a set number of installments typically ranging from six to 60 months. In some cases, there is no penalty for prepayment.

San Diego Personal Loans Reviews

Best Egg

Best Eggs loans are available online. The lender claims it can process and deposit some loans in as little as one day, so San Diego borrowers who need fast cash might choose this option. Reviewers in California like the ease of the online process. San Diego customers will appreciate the availability of Spanish-speaking customer service agents.

Best Egg Learn More

NetCredit

NetCredit is an online lender based in Chicago. They offer a one-day period during which you can return the loan if you change your mind. In addition to loans, the company’s website offers tools for managing money. Overall, California reviewers appreciate the ease of application and quick deposit of funds, but some note high interest rates.

NetCredit

FreedomPlus

This online lender offers personal loans from $7,500 up to $40,000. Borrowers can qualify in one day and get funds within three business days. Terms last between two and five years. FreedomPlus customers recommend the company to others and note how helpful reps are during the application process.

FreedomPlus

Credit Direct Loans

Credit Direct Loans is an online company that will match you with a lender based on your financial situation. Based in Maryland, Credit Direct is licensed to conduct business in California and reviewers here generally report an efficient process and helpful customer service.

Credit Direct Loans

California Coast Credit Union

A federally insured credit union, California Coast was founded in San Diego and has many locations throughout the county. Their personal loans range from $500 to $30,000. While some appreciate the personal touch and welcoming feeling at the branches, many local reviewers complained of poor customer service.

California Coast Credit Union

San Diego County Credit Union

San Diego County Credit Union serves San Diego and neighboring counties. Teachers can get a special no-interest, short-term personal loan for their classroom needs. Reviewers in San Diego experienced a mix of excellent and unsatisfactory customer service.

San Diego County Credit Union