Lender profile
Merced School Employees
Lender Live rate observations
Merced School Employees at a glance
Merced School Employees is a lender based in California. LoanMate.ai tracks 6 published loan products from Merced School Employees (8 rate listings), last verified 2026-10-17. Its lowest published rate today is 3.75% on Secured personal loan · 36 months. Its Secured personal loan · 36 months rate of 3.75% is 0.125 points below the national median of 3.875% (across 14 lenders publishing that product). Merced School Employees lends in California only.
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-60 | — | 5.39 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.39 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 5.89 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.89 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 6.99 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-36 | — | 3.75 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 12.75 | — | — | 2026-10-17 | Lender source ↗ |
How Merced School Employees compares
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 Merced School Employees?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Merced School Employees is 3.75% on its Secured personal loan · 36 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 Merced School Employees lend?
Merced School Employees lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Merced School Employees's Secured personal loan · 36 months rate compare nationally?
Merced School Employees publishes Secured personal loan · 36 months at 3.75%. The national median for that product is 3.875% across 14 lenders in LoanMate.ai's October 17, 2026 dataset, so Merced School Employees is 0.125 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.