Personal loans in Pasadena, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pasadena, CA.
The median household in Pasadena earns $105,192 a year, 6% above the California median of $99,122. About 13% of residents live below the federal poverty line, and 57.5% of households rent their home.
California law that applies in Pasadena
| 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 Pasadena
Here's what to have on hand before you start your personal loan request in Pasadena:
- 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 Pasadena
What Pasadena borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Pasadena
- 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 Pasadena
38 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 6 | 860 E Colorado Blvd, Pasadena 91101 |
| Wells Fargo Bank, National Association | 4 | 350 W Colorado Blvd, Pasadena 91105 |
| Bank of America, National Association | 4 | 880 E Colorado Blvd, Pasadena 91106 |
| Citibank, National Association | 4 | 177 E Colorado Blvd, Pasadena 91105 |
| East West Bank | 2 | 135 N Los Robles Ave, Pasadena 91101 |
| U.S. Bank National Association | 2 | 70 S Lake Ave, Pasadena 91101 |
| BMO Bank National Association | 2 | 1739 E Colorado Blvd, Pasadena 91106 |
| City National Bank | 1 | 89 S Lake Ave, Pasadena 91101 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pasadena
20 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Schoolsfirst | 555 S Lake Ave, Pasadena 91101 |
| Wescom Central | 123 S Marengo Ave, Pasadena 91101 |
| Logix | 180 S Lake Ave, Pasadena 91101 |
| California | 527 S Lake Ave Ste 100, Pasadena 91101 |
| Credit Union Of Southern Ca, A | 224 N Fair Oaks Ave, Pasadena 91103 |
| Operating Engineers Local Union #3 | 100 Corson St Ste 225, Pasadena 91103 |
| Skyla | 100 Walnut St, Pasadena 91124 |
| Firefighters First | 1520 W Colorado Blvd, Pasadena 91105 |
| First City | 1 W California Blvd, Pasadena 91105 |
| The First Financial | 2900 Bradley St, Pasadena 91107 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Los Angeles County · Payday Loans in Pasadena · Title Loans in Pasadena
Frequently asked questions
Can I get a personal loan with bad credit in Pasadena?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Pasadena. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Pasadena, 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 Pasadena?
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.
Where can I find a loan for bad credit in Pasadena?
You can apply at local banks and lenders in Pasadena, 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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Pasadena with our free 3-minute form.
How do I apply for a personal loan with bad credit in Pasadena?
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.
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.
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 Pasadena borrowers who qualify.
Do I need to visit a store in Pasadena?
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.