MoneyGeek's Picks for Best Personal Loan Lenders in Roseville, CA

MoneyGeek ranked personal loan lenders in Roseville, California, using more than 30 data points, arranged into fewer categories. We considered loan amounts, interest rates, BBB ratings, repayment periods, credit score requirements and more.

While the best lender depends on each borrower's profile, MoneyGeek found that LightStream is overall the best personal loan provider in Roseville. We also found that SoFi is the right choice for credit-strong borrowers, while Upstart is suitable for borrowers with bad credit. Moreover, home improvements and debt restructuring are handled best by Best Egg and Upgrade loans, respectively.

Best Overall Personal Loan Lender in Roseville: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds


    on LightStream Website

Best Personal Loan Lender for Bad Credit in Roseville: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


    on Upstart Website

Best Personal Loan Lender for Good Credit in Roseville: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


    on SoFi Website

Best Personal Loan Lender for Debt Consolidation in Roseville: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


    on Upgrade Website

Best Personal Loan Lender for Home Improvement in Roseville: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg

    on Best Egg Website

Where to Start: How to Choose the Best Personal Loan Lender in Roseville for You

You can quickly fund urgent and other important expenses with a personal loan. Californians owe an average of $16,790 on their personal loans. When applying for a personal loan in Roseville, consider the loan amount and repayment terms. Various factors, such as your income level and credit score, will determine the best Roseville lender for you.

MoneyGeek recommends taking the following steps to complete your loan application:


Ask Yourself the Important Questions

Ensure you understand your financial situation and funding requirements before submitting your application. Determine whether alternative, less costly financing is available. Before submitting a loan application, ask yourself the following questions:

  • How much funding do I need?
  • What is my credit score?
  • Can I afford the monthly payment?
  • How much debt do I already have?

Do Your Research

Once you've established your financial requirements, it's time to research lenders. Lenders offer different terms, so it's important to understand how they differ.

Conduct your own research after reviewing our information. Keep an eye on the details of each loan package, including the loan amount, APR and due dates. Because personal loans are repaid over a long period, they require a long-term commitment.



Spend a few days reviewing every detail of the lender's offer to understand the consequences of accepting it. Before taking the loan, make sure your decision aligns with your financial goals.


Read the Fine Print

Consider the interest, penalties and late fees associated with the loan. A closer look at the loan agreement’s fine print could reveal unexpected costs that can add up over time.



Once you are ready to apply, ensure you provide all the necessary information. Lenders typically require proof of income, personal information and contact information.

Most lenders allow you to apply online. To better understand the loan requirements and alleviate any concerns, calling or visiting the lender in person can be beneficial if the option is available.

What to Do if You Can’t Get a Personal Loan in Roseville

If a lender rejects your application, contact the lender to find out why and what you can do to increase your chances of approval in the future. If you meet all the other criteria, sometimes a lender will let you shorten the loan term or take out a smaller loan. In addition, using a co-signer or collateral as security can improve your chances of getting approved.

Alternatively, you can look for a personal loan from another lender, but before reapplying, make sure you address the initial reason for the rejection.

Payday loans may be tempting for some, but MoneyGeek recommends staying away from these. Payday loans come with short repayment terms and high interest rates that cost more in the long run.

Frequently Asked Questions About Personal Loans in Roseville

Consider your personal needs, credit history and income when choosing the best personal loan in Roseville. MoneyGeek answers frequently asked questions about Roseville personal loans and loan companies to help you make a choice.

Our Personal Loan Methodology

We evaluated more than 30 personal loan lenders based on 35+ different data points across six key categories: affordability, customer service, accessibility, consumer friendliness, flexibility and lender transparency.

When selecting a personal loan lender, we believe that a number of data points should be given the most weight within each ranking criteria category. Among these variables are the APR ranges, maximum loan amounts, minimum income requirements, credit scores, application costs and disbursement times.

MoneyGeek values you, the consumer, so we also take into account each lender's customer support, ratings and additional features, such as prequalification, payment options and mobile apps, which could make your journey easier and more convenient.

We make our picks based on careful consideration and calculations. In selecting a lender that meets your needs, we provide you with recommendations and expert tips.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.