California borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in California look different than in neighboring states. We route California applications only to lenders and brokers licensed by the California Department of Financial Protection & Innovation, so the offers you see are ones you can actually take.
How lending in California is different
California's median household income is $91,905 — one of the higher household-income states in the country — and the typical home price of $786,000 sits well above the $350,000 national midpoint. On our platform, the average funded loan in California runs about $22,800, with mortgage loans as the most requested product across Los Angeles, San Diego, and the rest of the state.
Constitutional cap of 10% for non-licensed lenders; licensed lenders under the CFL set rates by contract. The California Department of Financial Protection & Innovation (DFPI) supervises consumer lenders operating in California, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 California offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Los Angeles or San Diego, ask about local down-payment assistance — California programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
California at a glance
Local market data we use to calibrate matches for borrowers in California.
What a real California offer looks like
Illustrative math using California's median home price, our average funded loan size in CA, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Los Angeles at $786,000
A 20% down, 30-year fixed at ~6.75% APR on the California median home price puts principal & interest around $4,078/mo. Local CA down-payment assistance can stack on top.
See California mortgage offersTypical $22,800 funded loan in CA
Our average funded personal loan for a California borrower runs about $22,800 over 4 years. At 11.9% APR that's roughly $599/mo — with rate ceilings enforced by the DFPI.
Check my California rateConsolidating ~$27,572 of high-rate debt
Rolling roughly 30% of the California median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $579/mo — a common CA refinance path.
Match a California lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in California are supervised by the California Department of Financial Protection & Innovation.
Every loan type available in California
Our marketplace covers every major loan product for California residents. Each match is from a lender licensed by the DFPI to operate in CA.
See your real California offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the DFPI — with APR, monthly payment, and fees shown upfront.
- California-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to CA market
Lending rules in California
California consumer lenders are supervised by the California Department of Financial Protection & Innovation. Every match we send you comes with the lender's active CA license number.
Constitutional cap of 10% for non-licensed lenders; licensed lenders under the CFL set rates by contract.
- Pre-qualification uses a soft credit pull — your CA credit file is not affected.
- We never sell California borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to California DTI norms and the local $786,000 home-price market.
Informational only — not legal or financial advice. CA rate caps and regulations change; confirm details with the California Department of Financial Protection & Innovation.
Top California cities we serve
Don't see your city? We serve every ZIP code in California.
Questions California borrowers ask
+What loan types are available in California?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for California residents. Every match is routed to a lender licensed by the California Department of Financial Protection & Innovation.
+Are the lenders on this site licensed in California?
Yes. We only forward your request to partners that hold an active CA license with the California Department of Financial Protection & Innovation (DFPI). Their NMLS or state license number appears with every offer.
+What are the California interest-rate rules I should know about?
Constitutional cap of 10% for non-licensed lenders; licensed lenders under the CFL set rates by contract. This affects what a lender can legally charge you in CA on non-bank consumer loans.
+Does checking rates affect my credit score in California?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the California lender you choose to move forward with will run a hard pull.
+How much do borrowers in California typically request?
The average funded consumer loan on our platform in California is about $22,800. Popular products in CA are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$786,000 median home price.
+Do you serve borrowers outside of Los Angeles?
Yes — every ZIP code in California is covered. Whether you're in Los Angeles or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your California rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in CA — never a mystery list.
- Match to a California-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees