Personal loans in Davis, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Davis, CA.
The median household in Davis earns $90,045 a year, 9% below the California median of $99,122. About 26% of residents live below the federal poverty line, and 56.5% of households rent their home.
California law that applies in Davis
| 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 Davis
Most Davis applicants can finish in one sitting if they have these ready:
- 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 Davis
What Davis borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Davis
- 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 Davis
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Northern Bank of Dixon | 3 | 434 2nd St, Davis 95616 |
| Wells Fargo Bank, National Association | 1 | 340 F St, Davis 95616 |
| Bank of America, National Association | 1 | 325 E Street, Davis 95616 |
| River City Bank | 1 | 239 E St, Davis 95616 |
| U.S. Bank National Association | 1 | 304 F St, Davis 95616 |
| JPMorgan Chase Bank, National Association | 1 | 330 E St, Davis 95616 |
| Banner Bank | 1 | 333 F St, Davis 95616 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Davis
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| The Golden 1 | 508 2Nd St Ste 101, Davis 95616 |
| Travis | 1380 E Covell Blvd, Davis 95616 |
| Blupeak | 200 B St, Davis 95616 |
| Yolo | 501 G St, Davis 95616 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Yolo County · Payday Loans in Davis · Title Loans in Davis
Frequently asked questions
Can I get a personal loan with bad credit in Davis?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Davis. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Davis, 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 Davis?
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 in Davis 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. Davis residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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. Davis residents can see their options in about 3 minutes.
How can I get an emergency loan in Davis?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do installment loans work in Davis?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Davis residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Davis?
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.