Personal Loans in San Francisco, CA Near You

Personal loans allow you to borrow a considerable amount of money over the long-term. In San Francisco, CA, this can range from $1,000 to $40,000 based on California state regulations, but most lenders offer personal loan terms in the range of $5,000 to $25,000.

Fast Loans From Direct Lenders ($100 - $35,000):

Related financial services in San Francisco, California:

Once you borrow more than $2,500, there is no limit on the interest that can be charged as the market sets it, but that also means it remains competitive among lenders.

The precise APR you will be charged will depend on the individual lender and the information you provide in your application.

If you need a large amount of money, beyond that available under payday and installment loan terms, then a personal loan may be the solution you need.

You can make repayments over a maximum of 6 years, though the exact duration will depend on your personal financial situation and the borrower's assessment.

Read on to learn more about personal loans in San Francisco, browse our directory to find a lender near you, or apply online for easy application and fast deposit.

How are personal loans defined in San Francisco?

Personal loans in San Francisco are comparable to personal loans in other states and those offered by banks and larger lenders.

The borrower is given breathing room to repay in equal monthly installments over a set time period, up to a maximum of 6 years. This comes with added interest, which is applied to each installment at an Annual Percentage Rate (APR).

Applying online is by far the easiest option, where you could be matched with a lender in a matter of minutes. You could see the money deposited in as quickly as one working day!

You could also decide to go to a storefront lender; however, this would mean traveling to your nearest brick and mortar store, waiting to be seen, completing a stack of physical paperwork, and then potentially waiting days to know if you have been fully approved.

Because of this, many people in San Francisco are now turning to online personal loans, where you'll no on the screen if you have been approved. Online lenders also tend to be more likely to approve applications, even if the borrower has bad credit.

Personal loans with no collateral or guarantor

In San Francisco, CA, personal loans do not require you to pledge any collateral, which means the loan is unsecured. Should you fail to make repayments or fully default on the obligation, the lender will not be able to seize your car, home, or other high-ticket items to recover what is owed. However, they will still be able to carry out standard collection procedures and you will almost certainly harm your credit score in the process.

You also do not require a guarantor, even if you have bad credit, meaning you will not need someone else to sign with you to get the money.

The best thing about a personal loan is you repay over the long-term, breaking the burden into installments so it can be easily managed each month.

Whether you're buying a new car, doing up your property, or traveling the world, a personal loan is a legal and beneficial option for borrowers in San Francisco who may have been initially rejected by the banks.

San Francisco

San Francisco information:

Population: 883,305
Average car ownership: 1
Median age: 38.3
Median household income: $112,376
Homeownership rate: 37.6
Median property value: $1,200,000

Personal loan law in San Francisco

Personal loans are a regulated and legal form of borrowing in San Francisco, governed by California state. Lenders are permitted to issue loans to residents both in-person from lending stores and online, though there are some protections in place.

For example, if you borrow less than $2,500 the interest rate may not be higher than 2.5% on loans up to $225, 2% on loans between that and $900, 1.5% on loans between $900 and $1,650, and 1% between $1650 and $2,500. Over this amount and the rate is set by the market, which means lenders compete to offer the best rate in order to secure your application.

Note: Lenders are legally required to disclose the interest rate (APR) before you sign the contract, along with all the other terms and conditions.

Most lenders offer personal loan terms from $5,000, meaning you may have to opt for a regular installment loan or payday loan if you want to borrow less than this. These come with different terms and are regulated differently than personal loans.

All the lenders in our directory are fully licensed to issue personal loans in San Francisco and will never give misleading information or make false promises like guaranteed approval or no credit check.

Personal loan requirements in San Francisco, CA

Most people are eligible to apply for a personal loan in San Francisco though there are some basic requirements that you must meet before proceeding with an online application.

  • You must be an actual resident of California to receive a loan under California's regulations.
  • Therefore, you must also have a fixed address in San Francisco if that's where you're applying from.
  • You will need a social security number to validate your identity.
  • Be 18 years or older, as this is the legal age for borrowing money.
  • By employed or otherwise earning a verifiable income of at least $1,000 per month (you may need to attach digital statements to your online application to verify this).
  • Have at least a basic checking account where the loan can be swiftly deposited, and the repayments taken as per the repayment schedule.

Personal loans are available for the following San Francisco zip codes: 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116, 94117, 94118, 94121, 94122, 94123, 94124, 94127, 94128, 94129, 94130, 94131, 94132, 94133, 94134, 94158, 94175, 94160, 94164, 94156, 94142, 94162, 94139, 94145, 94136, 94151, 94163, 94120, 94170, 94171, 94147, 94119, 94138, 94169, 94153, 94135, 94154, 94137, 94143, 94146, 94165, 94155, 94166, 94126, 94101, 94141, 94150, 94144, 94140, 94152, 94177, 94157, 94106, 94168, 94188, 94161, 94159, 94167, 94125, 94172.

Top personal loan tips in San Francisco

Before deciding on any loan, it is important to check that the lender is reputable, and they are licensed by the state to lend in San Francisco.

A tell-tale sign that things might not be above board is if they promise guaranteed or instant approval or no credit checks.

This is often misleading marketing jargon to get you to apply. The majority of lenders will carry out some form of credit check to verify your identity and aid with their assessment of your application.

This doesn't mean you will be rejected because you have a poor credit history, but it will take a few minutes at the very least.

The lenders in our directory are all vetted before being added, ensuring they are fully licensed and accredited to lend in San Francisco, CA. We also do pass-on or sell your personal details to lenders outside the network and standard encryption is used to keep your data safe.

If you want the cash fast, you should apply online and do so during the working week. This means you could see the cash in your account in as fast as one business day.

How to apply for online personal loans in San Francisco?

You can browse our network to find a lender that suits you or use our simple tool to put a loan request out. We then pass your details among the network and attempt to connect you with a suitable lender in a matter of minutes.

This process means you do not have to waste time applying one-by-one and risking multiple searches on your credit report.

List of Personal Loan Companies in San Francisco, CA:

75 Broadway Ste 205, San Francisco, 94111-1423

(559) 233-5377

1455 Market St, San Francisco, 94103

(***) ***-****

3701 Sacramento Ave, San Francisco, 94118

(800) 497-5314

149 New Montgomery St, San Francisco, 94105

(888) 351-9774

455 Mission Bay Blvd S. #511, San Francisco, 94158

(877) 273-3647

28 2nd St Ste 300, San Francisco, 94105-3455

(***) ***-****

4150 17th St # 13, San Francisco, 94114

(415) 722-0262

300 Spear Street Thirty-sixth Floor, Suite #3600, San Francisco, 94105

(415) 430-5057

555 California Street Suite 4925, San Francisco, 94104

(877) 258-2185

1766 1766 Union Street Suite E, San Francisco, 94123

(415) 922-3433

370 Townsend St, San Francisco, 94107

(415) 655-3021

1399 Haight St., San Francisco, 94117

(***) ***-****

Po Box 194764, San Francisco, 94119-4764

(415) 692-0525

201 Spear St Ste 1100, San Francisco, 94105-6164

(650) 875-1277

1225 Fulton St, San Francisco, 94117-1507

(415) 429-3634

388 Market St, San Francisco, 94111-5311

(888) 245-9364

1 Bluxome St Apt 207, San Francisco, 94107-5518

(877) 868-9282

333 Bush St, San Francisco, 94104

(866) 281-3054

548 Market St #70255, San Francisco, 94104-5401

(***) ***-****

1990 Noriega Street, San Francisco, 94122

(415) 349-7724

514 Lyon St., San Francisco, 94117

(602) 327-1370

345 California Street, Suite 1225, San Francisco, 94104

(866) 489-4456

478 Tehama St, San Francisco, 94103-4141

(415) 529-6045

2310 Clement St, San Francisco, 94121

(415) 408-7770

235 Montgomery St Ste 1050, San Francisco, 94104-3008

(415) 398-4363

555 Market St Ste 1800, San Francisco, 94105-2857

(415) 402-3600

1024 Mission St, San Francisco, 94103-2813

(800) 845-0008

600 California St Fl 11, San Francisco, 94108

(651) 504-5294

2000 Van Ness Avenue, San Francisco, 94109

(855) 829-6113

101 2nd Street Suite1250, San Francisco, 94105

(888) 709-8721

234 1st St, San Francisco, 94105

(414) 405-6545

201 Mission Street Floor 11, San Francisco, 94015

(866) 525-2123

71 Stevenson St Ste 301, San Francisco, 94105

(415) 548-1968

770 Van Ness Ave, San Francisco, 94102-3268

(415) 630-2323

625 Market St Ste 200, San Francisco, 94105-3304

(925) 323-2585

505 Montgomery Street 11th Floor, San Francisco, 94111

(***) ***-****

1 Post Street,ste 400, San Francisco, 94104

(888) 247-1152

1 Hallidie Plaza Ste 301, San Francisco, 94102

(866) 562-6990

One Market Plaza Spear Tower, Suite 3600, San Francisco, 94105

(***) ***-****

237 Kearny Street, San Francisco, 94108

(469) 444-0027

123 Townsend St Ste Ll2, San Francisco, 94107-1907

(888) 449-3593

165 Mallorca Eay, San Francisco, 94123

(415) 364-2312

Fast Loans From Direct Lenders ($100 - $35,000):