Lender profile
First California
Lender Live rate observations
First California at a glance
First California is a lender based in California. LoanMate.ai tracks 15 published loan products from First California (15 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.89% on New auto loan · 48 months. Its New auto loan · 48 months rate of 4.89% is 0.1 points below the national median of 4.99% (across 166 lenders publishing that product). First California lends in California only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.50 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (7)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 4.89 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.89 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 7.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 9.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 9.75 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 10.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 10.25 | — | — | 2026-10-17 | Lender source ↗ |
How First California compares
Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · 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 First California?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from First California is 4.89% on its New auto loan · 48 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 First California lend?
First California lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does First California's New auto loan · 48 months rate compare nationally?
First California publishes New auto loan · 48 months at 4.89%. The national median for that product is 4.99% across 166 lenders in LoanMate.ai's October 17, 2026 dataset, so First California is 0.1 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.