Personal Loans in California


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When you need to meet unplanned expenses, consider a personal loan or line of credit from California Bank & Trust.

We offer both unsecured and secured loans – providing the convenience of fixed monthly payments on loan amounts from $2, 500 up to $250, 000.

Or apply for an Advantage Line of Credit – from $2, 500 to $250, 000. Then you can simply write a check of $500 or more whenever you need cash, so there’s no need to liquidate or tie up valuable assets.

How to apply

Contact your branch or call TeleLoan™ at (800) 429-7685. DirectNETSM Consumer Online Banking customers can apply online by logging in and selecting Apply Now from the Services tab.

Please have this information ready when you call TeleLoan

  • Social Security Number and date of birth (borrower and co-borrower)
  • Home address and phone number/mailing address if different from home
  • Previous address if at residence for less than 2 years
  • Gross monthly income

All loans subject to credit approval. Must be a California resident. Restrictions apply; see banker for details.

Interesting facts

  • Charles Gus Johnson (October 12, 1880 – October 14, 1957) served as California State Treasurer, 1923-1956. He was the longest-serving state treasurer. He was forced to resign in 1956 after stories began to emerge over him funneling state funds into personal loans.
  • Americas United Bank is a commercial bank, primarily owned by Hispanic entrepreneurs and professionals from the greater Los Angeles area. The Bank provides business and personal banking services to small-to-medium-sized businesses, professionals and entrepreneurs.
    Americas United Bank opened its doors for business in Glendale, California as a...

Additional information


Personal Loans | Get a Personal Loan up to $35,
Personal Loans | Get a Personal Loan up to $35,000
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Popular Q&A

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What is the highest interest rate for personal loans allowed in California law

I am trying to find the answer to this question because I am getting charged over 90% interest by cash call, and I don't think this is at all legal!!!

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What is the average interest rate on a personal loan in california

It varies, as a personal loan is considered a consumer loan. In the State of California, the general legal, usury interest rate attached to this type of loan is not exceeding 10% per year.


This percentage is based on the unpaid balance. For example, if a loan of $1,000 is to be paid at the end of one year and there are no payments during the year, the lender could charge $100 (10%) as interest. But if payments are to be completed during the year, the maximum charge allowed could be much less.


Just recently, mortgage rates moved lower, preserving the pocket of recovery that formed on the…