Personal loans in Roseville, CA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Roseville, CA.
The median household in Roseville earns $119,288 a year, 20% above the California median of $99,122. About 6% of residents live below the federal poverty line, and 31.2% of households rent their home.
California law that applies in Roseville
| Rate cap | Loans under $2,500: tiered caps of roughly 12% to 30% a year, depending on balance. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The rate caps cover loans under $10,000. |
Full rules with statute citations: Personal Loans in California. Cities in California cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Roseville
Most Roseville applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Roseville
What Roseville borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Roseville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Roseville
36 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 4 | 2000 Douglas Blvd, Roseville 95661 |
| Bank of America, National Association | 3 | 4012 Foothills Blvd, Roseville 95747 |
| U.S. Bank National Association | 3 | 221 Estates Dr, Roseville 95678 |
| First Northern Bank of Dixon | 3 | 2150 Douglas Blvd 260-C, Roseville 95661 |
| First Bank | 2 | 3992 Douglas Blvd, Roseville 95661 |
| Columbia Bank | 2 | 2998 Douglas Blvd, Roseville 95661 |
| JPMorgan Chase Bank, National Association | 2 | 1800 Douglas Blvd, Roseville 95661 |
| Tri Counties Bank | 2 | 1020 Pleasant Grove Blvd, Roseville 95678 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Roseville
11 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 1210 Roseville Pkwy Ste 130, Roseville 95678 |
| Schoolsfirst | 1601 Douglas Blvd, Roseville 95661 |
| The Golden 1 | 741 Pleasant Grove Blvd Ste 100, Roseville 95678 |
| Patelco | 5040 Foothills Blvd, Roseville 95747 |
| Safe | 121 N Sunrise Ave, Roseville 95661 |
| Sierra Central | 306 N Sunrise Ave, Roseville 95661 |
| Firefighters First | 1380 Lead Hill Blvd Ste 104, Roseville 95661 |
| Sacramento | 5005 Foothills Blvd Ste 1, Roseville 95747 |
| California Community | 130 Sunrise Ave, Roseville 95661 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Placer County · Payday Loans in Roseville · Title Loans in Roseville
Frequently asked questions
Can I get a personal loan with bad credit in Roseville?
Possibly. Lenders in our network consider applicants with fair and bad credit across California, including Roseville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Roseville, CA?
Under $2,500: tiered 12%-30%/yr. $2,500-$9,999: 36% plus Federal Funds Rate. $10,000+: uncapped.
How fast can I get a personal loan in Roseville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in Roseville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Roseville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Roseville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Roseville with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Can I get an emergency loan with bad credit in Roseville?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Roseville residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Roseville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.