Everyone asks about the rate first.Fair enough. Let's talk about it. Then let's talk about what actually matters more. What are bridge loan rates in California right now? In 2026, private bridge loan rates in California typically run between 9% and 12% depending on: The property type Your loan-to-value (LTV) Your exit strategy How fast you need to close At South County Capital, our rates are competitive for the California market — and we'll give you a real number the same day