Personal loans in Colton, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Colton, CA.
The median household in Colton earns $71,208 a year, 28% below the California median of $99,122. About 14% of residents live below the federal poverty line, and 47.2% of households rent their home.
California law that applies in Colton
| Rate cap | Loans under $2,500: tiered caps of roughly 12% to 30% a year, depending on balance. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The rate caps cover loans under $10,000. |
Full rules with statute citations: Personal Loans in California. Cities in California cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Colton
Here's what to have on hand before you start your personal loan request in Colton:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Colton
What Colton borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Colton
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Colton
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citibank, National Association | 1 | 615 N La Cadena Dr, Colton 92324 |
| Bank of Hope | 1 | 1040 S Mount Vernon Ave, Colton 92324 |
| JPMorgan Chase Bank, National Association | 1 | 2005 E Washington St, Colton 92324 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in San Bernardino County
73 credit-union locations from 30 credit unions.
| Credit union | Location |
|---|---|
| Certified | 420 E Hospitality Ln Ste A6, San Bernardino 92408 |
| Vida | 1520 N Palmetto Ave, Ontario 91762 |
| Thinkwise | 599 N E St, San Bernardino 92401 |
| U.P.S. Employees | 3110 Inland Empire Blvd Ste A, Ontario 91764 |
| Navy Federal Credit Union | 4190 E 4Th St Ste A, Ontario 91764 |
| America First | 27828 Greenspot Rd Ste 1, Highland 92346 |
| Schoolsfirst | 10910 Foothill Blvd, Rancho Cucamonga 91730 |
| The Golden 1 | 2254 S Euclid Ave Ste A, Ontario 91762 |
| Global | 12699 Main St Ste 140, Hesperia 92345 |
| Wescom Central | 4330 Mills Cir, Ontario 91764 |
| Arrowhead | 23971 Lake Dr, Crestline 92325 |
| Credit Union Of Southern Ca, A | 2777 E Guasti Rd, Ontario 91761 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: San Bernardino County · Payday Loans in Colton · Title Loans in Colton
Frequently asked questions
Can I get a personal loan with bad credit in Colton?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Colton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Colton, CA?
Under $2,500: tiered 12%-30%/yr. $2,500-$9,999: 36% plus Federal Funds Rate. $10,000+: uncapped.
How fast can I get a personal loan in Colton?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Colton residents can see their options in about 3 minutes.
Can I get an emergency loan with bad credit in Colton?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Colton residents can see if they qualify in about 3 minutes.
Where can I find a loan for bad credit in Colton?
You can apply at local banks and lenders in Colton, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan in Colton with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Colton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Colton?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.