Best Personal Loans in Roseville, CA

Golden 1 Credit Union is the best personal loan lender in Roseville, California, with a MoneyGeek score of 97 out of 100 due to its quality service, competitive interest rates and transparent loan terms and process. On the other hand, Laurel Road is the best lender for online personal loans, earning a MoneyGeek score of 94 out of 100. It offers strong customer service, quick application and approval process, and transparency around loan terms and process.

MoneyGeek prioritized local lenders and scored them based on factors like interest rates, loan terms, loan application process and speed of loan funding to gather our best city recommendations. If you're looking for national lenders, we also compiled our top picks for the best personal loans in California.

MoneyGeek analyzed hundreds of lenders based on a rubric that includes APR ranges, loan amounts and repayment terms, among other key areas. We use a point-based system, assigning scores according to the presence or absence of certain desirable features in various critical categories.

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Our overall analysis was completed in October 2024. Here we considered banks and credit unions with brick and mortar locations in Roseville, California. We also looked at online-only lenders licensed to do business in the state.

325Lenders Analyzed Nationally

Overall Best Personal Loan in Roseville, CA

Company logo for Golden 1 Credit Union
Golden 1 Credit Union
MoneyGeek Score:
97/ of 100

APR RangeFrom 8.89%
Loan Amount Range$1,000 to $50,000
Repayment TermsUp to 60 months
Time to Receive FundsUndisclosed
Overview

Golden 1 Credit Union is the best personal loan lender in Roseville, California, with a MoneyGeek score of 97 out of 100. It was established in 1933 by 11 state employees as California State Employees' Credit Union, which eventually became Golden 1. It is federally insured by the National Credit Union Administration (NCUA). It has no origination fee and no prepayment penalty, making it an attractive choice for those who want flexibility with their loans. Its borrowing limit is $50,000 and a late payment fee is 5% of the past due amount or $15, whichever is greater.

Best Online Personal Loan in Roseville, CA

Company logo for Laurel Road
Laurel Road
MoneyGeek Score:
94/ of 100

APR Range8.99% to 24.25%
Loan Amount Range$5,000 to $45,000
Repayment Terms36 to 60 months
Time to Receive Funds7 Business Days
Overview

Laurel Road is the best online lender for personal loans in Roseville, California, with a MoneyGeek score of 94 out of 100. It provides a range of loan amounts from $5,000 to $45,000 with repayment terms between 36 to 60 months. It sets itself apart by offering borrowers the option to save on interest payments with a 0.25% autopay discount and sidesteps additional costs with no origination fees. It starts with a higher minimum loan amount, which might not suit those seeking smaller loans. Additionally, a late fee of 5% or $28 can add up, and insufficient funds are penalized with a $20 fee, which could be a downside for some borrowers.

Calculate Your Monthly Payment in Roseville, CA

According to the United States Census Bureau, the median annual household income in Roseville, California, in 2022 was $100,739. Whether your income is above or below this median figure, the key factor to consider is whether you can manage the monthly payments for a personal loan. To better understand these potential payments, use our personal loan calculator to estimate your monthly loan payments and the total cost of the loan, based on the loan amount, rate and terms.

For instance, when calculating the monthly payments for a $10,000 personal loan with a 10% interest rate over three years, the monthly payment would be $323 and $3,876 annually, which constitutes 4% of the median annual household income in Roseville, CA.

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Estimate the monthly payment for your loan.

Updated: Nov 5, 2024

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Runner-Up for Best Personal Loan in Roseville, CA

Company logo for Sierra Central Credit Union
Sierra Central Credit Union
MoneyGeek Score:
95/ of 100

APR RangeFrom 10.74%
Loan Amount Range$500 to $25,000
Repayment Terms36 to 60 months
Time to Receive FundsUndisclosed
Overview

Sierra Central Credit Union is the runner-up for the best personal loans in Roseville, California, with a MoneyGeek score of 95 out of 100. Started in 1955, it is federally insured by the National Credit Union Administration (NCUA). Borrowers benefit from its minimum loan amount of $500, making it accessible for those seeking smaller loans. Moreover, its loan calculator can help potential borrowers estimate their payments. Its borrowing limit is $25,000. Additionally, if you stop a payment, you'll incur a $25 fee, adding to potential costs.

Other Options for Personal Loans in Roseville, CA

Company logo for Sacramento Credit Union
Sacramento Credit Union
MoneyGeek Score:
95/ of 100

MoneyGeek Score95
APR Range8.99% to 19.69%
Loan Amount RangeUp to $25,000
Repayment TermsUp to 60 months
Time to Receive FundsUndisclosed
Overview

Sacramento Credit Union is another suitable choice for personal loans in Roseville, California, with a MoneyGeek score of 95 out of 100. Federally insured by the National Credit Union Administration (NCUA), it has been serving members since 1935. With an APR starting as low as 8.99%, it provides competitive interest rates that can help you save money over the loan term. Additionally, it offers several loan calculators on its website to assist in financial planning. However, borrowers should be aware of its borrowing limit of $25,000, which might be restrictive for those needing larger loan amounts. It also imposes a stop payment fee of $27, which could add unexpected costs.

Company logo for Safe Credit Union
Safe Credit Union
MoneyGeek Score:
90/ of 100

MoneyGeek Score90
APR Range12.59% to 18.09%
Loan Amount RangeUp to $20,000
Repayment TermsUp to 60 months
Time to Receive FundsUndisclosed
Overview

Safe Credit Union is a strong choice for personal loans in Roseville, California, with a MoneyGeek score of 90 out of 100. It was established in 1940 and is federally insured by the National Credit Union Administration (NCUA). It provides a relationship discount rate of 0.20% to borrowers who have been members for at least 30 days before applying. It also offers a helpful loan calculator to estimate how much you can borrow and what your monthly loan payments would be. However, its borrowing limit is capped at $20,000. Additionally, there is a $25 membership entrance fee to consider.

National Lenders With Physical Locations in Roseville, CA

Borrowers in Roseville, California, seeking the best personal loans, who value face-to-face interactions with a lender, have several notable national lenders to select from. Within the city, Wells Fargo, U.S. Bank and OneMain Financial provide such services, each with its own set of loan products and customer support features.

OneMain Financial18.00% to 35.99%$1,500 to $20,00024 to 60 months
U.S. Bank8.74% to 24.99%$1,000 to $50,00012 to 84 months
Wells Fargo7.49% to 24.99%$3,000 to $100,00012 to 84 months

What to Do if You Can't Get a Personal Loan in Roseville, CA

Your personal loan application in Roseville, California, can get denied due to reasons like a low credit score, negative financial history or an unfavorable debt-to-income ratio. If this happens, follow specific steps to navigate this setback.

1
Find out the reason for the denial

Some lenders may deny your loan application due to a poor credit score, high debt-to-income ratio, insufficient incom or errors in your application. Reviewing the reasons for denial helps you improve your weak areas and prevents another loan application denial.

2
Modify your loan terms

You can try asking your lender if you can adjust the loan amount or repayment terms to get approved. Adjustments could make the loan more manageable for you and meet the lender's approval criteria.

3
Look for another lender

Lenders differ in their personal loan eligibility criteria. To find a suitable lender, compare the minimum credit score requirements, interest rates, loan terms, additional fees, and customer service.

4
Explore credit counseling services

Your debt-to-income ratio is a key factor lenders assess for loan applications. Engage with a credit counseling service to get assistance in managing your credit card debt and budget. The Department of Financial Protection and Innovation's published list of nonprofit credit counseling agencies provides credit counseling resources. Alternatively, the Department of Justice's list of approved credit counseling agencies is another valuable resource.

FAQ About Personal Loans in Roseville, CA

We addressed common questions about personal loans in Roseville, offering insights to support your informed decisions.

Who is the best overall personal loan lender in Roseville, CA?
What are personal loans used for in Roseville, CA?
What are the interest rates on personal loans in Roseville, CA?
What are the benefits and drawbacks of personal loans?
What are some personal loan red flags to look out for?
How to apply for a personal loan online?
Can I get a personal loan with bad credit in Roseville, CA?
What are the best low-interest personal loans in Roseville, CA?
What is an installment loan? Is there a difference between personal loans and installment loans in Roseville, CA?
Is there a difference between credit union loans and bank loans in Roseville, CA?

About Zachary Romeo, CBCA


Zachary Romeo, CBCA headshot

Zachary Romeo is a certified Commercial Banking and Credit Analyst (CBCA), and the Head of Loans and Banking at MoneyGeek. Previously, he led production teams for some of the largest online informational resources in higher education, with over 13 years of experience in editorial production.

Romeo has a bachelor's degree in biological engineering from Cornell University. He geeks out on minimizing personal debt and helping others do the same through people-first content.


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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.