Lender profile
Bay
Lender Live rate observations
Bay at a glance
Bay is a lender based in California. LoanMate.ai tracks 4 published loan products from Bay (4 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.49% on Secured personal loan · 60 months. Its Secured personal loan · 60 months rate of 4.49% is 0.51 points below the national median of 5% (across 37 lenders publishing that product). Bay lends in California only.
Personal loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-60 | — | 4.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 7.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 7.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.99 | — | — | 2026-10-17 | Lender source ↗ |
How Bay compares
Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Bay?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Bay is 4.49% on its Secured personal loan · 60 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Bay lend?
Bay lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Bay's Secured personal loan · 60 months rate compare nationally?
Bay publishes Secured personal loan · 60 months at 4.49%. The national median for that product is 5% across 37 lenders in LoanMate.ai's October 17, 2026 dataset, so Bay is 0.51 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.