Personal loans in Fontana, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fontana, CA.
The median household in Fontana earns $102,821 a year, about the same as the California median of $99,122. About 10% of residents live below the federal poverty line, and 33.2% of households rent their home.
California law that applies in Fontana
| 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 Fontana
Most Fontana 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 Fontana
What Fontana borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Fontana
- 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 Fontana
18 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 5 | 14518 Baseline Ave, Fontana 92336 |
| Bank of America, National Association | 4 | 10048 Sierra Ave, Fontana 92335 |
| Wells Fargo Bank, National Association | 4 | 14307 Baseline Ave, Fontana 92336 |
| U.S. Bank National Association | 2 | 7400 Cherry Ave, Fontana 92336 |
| Citizens Business Bank, National Association | 1 | 9244 Sierra Ave, Fontana 92335 |
| Citibank, National Association | 1 | 8501 Sierra Ave, Fontana 92335 |
| Mechanics Bank | 1 | 9714 Sierra Ave, Fontana 92335 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Fontana
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Arrowhead | 16944 S Highland Ave, Fontana 92336 |
| Credit Union Of Southern Ca, A | 16014 Foothill Blvd, Fontana 92335 |
| Inland Valley | 9389 Cherry Ave, Fontana 92335 |
| Fontana | 17235 Arrow Blvd, Fontana 92335 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: San Bernardino County · Payday Loans in Fontana · Title Loans in Fontana
Frequently asked questions
Can I get a personal loan with bad credit in Fontana?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Fontana. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Fontana, 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 Fontana?
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 an emergency loan with bad credit in Fontana?
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. Fontana residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Fontana?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How long does it take to get a personal loan in Fontana?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Fontana.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Fontana borrowers who qualify.
How do installment loans work in Fontana?
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. Fontana residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Fontana?
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.