Best Personal Loans in Roseville, CA: Top Lenders & Best Picks for You

The top personal loan provider in Roseville is LightStream, according to MoneyGeek's analysis. LightStream, founded in 2013, is an online lender that offers personal loans.

LightStream offers loan amounts ranging from $5,000 to $100,000. This lender also makes funds available the same day the application is approved. Customers who make automatic payments typically save 0.5% on their APR. Furthermore, the lender does not charge origination fees, prepayment penalties or late fees.

Borrowers need a minimum credit score of 660 to qualify for a LightStream personal loan. Additionally, the lender does not allow co-signers and restricts how borrowers can use the funds.

Pros

• Competitive rates
• A loan limit of $100,000
• Various repayment options
• Quick funding
• No fees

Based on MoneyGeek's analysis, Upstart offers the best personal loans for Roseville residents with bad credit. With a credit score requirement of 300, Upstart is a less stringent personal loan provider than most.

During the application process, the lender runs soft credit checks to avoid affecting your credit score. It has one of the lowest APRs in the city, but those with bad credit scores may face high rates. Upon approval, Upstart processes loans within one business day.

Costs to keep in mind include an origination fee of up to 10% and late penalties. Moreover, Upstart is not suitable for people who need loans exceeding $50,000.

Pros

• Minimum credit score of 300
• Low APR
• Quick funding
• Credit check with soft pull

SoFi is Roseville's best personal loan provider for customers with good credit. Founded in 2011, SoFi offers loans up to $100,000 without origination, prepayment or late fees. Borrowers with credit scores of at least 680 are eligible to apply.

SoFi's repayment terms range from 12 to 60 months. It is also possible to receive cash immediately after approval. SoFi's unemployment protection program allows for deferred payments if borrowers lose their jobs.

It is, however, necessary to earn at least $50,000 a year and have a good credit score to qualify for SoFi's personal loans. The lender has a maximum loan amount of $100,000 and a $5,000 minimum loan requirement.

Pros

• Maximum loan amount of $100,000
• Comparably low APR
• Flexible repayment period
• Autopay discount of 0.25%

Based on MoneyGeek's research, Upgrade is the best personal loan provider for Roseville residents looking to consolidate their debts. The company was founded in 2016 and offers loans ranging from $1,000 to $50,000.

With a debt consolidation loan, Upgrade pays creditors directly. Furthermore, the lender handles loans quickly. Despite being relatively new to the industry, Upgrade is rated A+ by the Better Business Bureau. When you set up automatic payments, the lender lowers your APR by 0.5%.

However, your credit score must be at least 560 to qualify. Upgrade loans are also subject to restrictions and cannot be used for investment, gambling or higher education costs. You may also see a higher interest rate as your credit score decreases, making this lender unsuitable for bad-credit borrowers seeking low-interest rates.

Pros

• Directly pays third-party creditors
• Potentially low APR
• Requires minimum credit score of 560
• Flexible repayment terms
• Quick disbursement time

Our analysis shows that Best Egg is the best lender for home improvement in Roseville. The lender was established in 2014 and offers personal loans between $2,000 and $50,000 with repayment terms of three to five years.

Once your loan is approved, you will receive the funds within a day. To avoid affecting your credit rating, the lender conducts soft credit inquiries during the application process.

Unfortunately, not everyone can get a personal loan from Best Egg. To qualify, borrowers must earn $50,000 per year and have a minimum credit score of 700. The lender does not allow co-signers.

Pros

• No prepayment penalty
• Performs soft credit check
• No fund usage restriction
• Relatively low starting APR