Best Credit Builder Loans in California

Published: 16 April 2024

Author: Noah Gomez 

Finding the right credit builder loan is not easy. You can go with a national offer, but it may not report to all 3 credit bureaus and offers penalty-free cancellation. What's more, local institutions can offer superior terms. In California, we looked at over 22 banks, credit unions, and digital lenders to find the most competitive offers on the market.

Best Overall

KeyPoint Credit Union

Avg. Principal: $500
Avg. APR: %
Avg. Length: 18 months

KeyPoint's credit builder loan is one of the few you can get at 0% APR. Available for residents in Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Barbara, Santa Clara, & Ventura countie, and offers a competitive 12 — 24 month $500 principal. For most borrowers, this is as good as it gets.

Best from Bank (Physical)

First Bank

Avg. Principal: $500
Avg. APR: 4.01%
Avg. Length: 12 months

Best from Credit Union

KeyPoint Credit Union

Avg. Principal: $500
Avg. APR: %
Avg. Length: 18 months

Best from Digital Lender


Avg. Principal: $1050
Avg. APR: 15.62%
Avg. Length: 36 months

Best California-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in California

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