Best Personal Loan Rates in Roseville, California (CA) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Roseville, California include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union1380 Lead Hill Blvd Ste 104, Roseville, CA, 95661A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, Banner BankBanner Bank5 Sierra Gate Plz, Roseville, CA, 95678A+5.0 ★Texas Ratio: 1.69% offering QuickStep Equipment Loan at 6.29% APR, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union1601 Douglas Blvd, Roseville, CA, 95661A+5.0 ★Texas Ratio: 5.68% offering Personal Loan at 7.99% APR, California Community Credit UnionCalifornia Community Credit Union130 Sunrise Ave, Roseville, CA, 95661 3424A+5.0 ★Texas Ratio: 0.59% offering personal loans at 8.95% APR, and Sacramento Credit UnionSacramento Credit Union5005 Foothills Blvd Ste 1, Roseville, CA, 95747 6507A+5.0 ★Texas Ratio: 0.17% offering Personal Loan at 8.99% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Roseville has 8 local institutions in our database, with personal loan rates as low as 4.99% APR from Firefighters First Federal Credit Union at 1380 Lead Hill Blvd Ste 104, Roseville, CA, 95661. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Roseville, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Roseville, California. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 12, 2026
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As Low As; 5-Year fixed rate
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As Low As; Rate reflects a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU account. Rate, terms and conditions may vary based on creditworthiness, amount financed and program qualifications.
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As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
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As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
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As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
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As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Maximum loan amount: $25,000. There may be a transfer fee of $6 when your personal line of credit is used to prevent insufficient funds incidents for your checking account. Over-limit fee $15. Minimum payment: 2% or $25, which ever is greater.Payment example: 60 payments of $23 per $1,000 borrowed.
$10,000; Documentation fee $60.00; Subject to additional finance charges.
$6,000; Documentation fee $60.00; Subject to additional finance charges.
$3,500; Documentation fee $60.00; Subject to additional finance charges.
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$2,500; Documentation fee $60.00; Subject to additional finance charges.
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$1,500; Documentation fee $60.00; Subject to additional finance charges.
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As Low As; Terms up to 120 months; Competitive rates - as low as you'll find anywhere! Can even cost less than promotional dealer financing; Pre-approvals to make shopping easy; Loan refinance from other lender; No pre-payment penalty; No application fee
As Low As; Maximum term 48 months; Up to $10,000
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As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
$3,000 Max
Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
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As Low As; Maximum Loan Amount: $125,000
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$50,000; As Low As
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$2,500; As Low As
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Borrow up to $5,000
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Loan Amount: $5,000 Maximum; Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
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Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
As Low As; Primary Residence
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Approximate Term: Up to 60 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Approximate Term: Up to 72 months
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As Low As; Loan To Value up to 85%. Rates subject to change without notice. This loan is secured by your home. Property must be located in the following counties: Orange, Los Angeles, Riverside, San Bernardion, Ventura and San Diego. Property must be owner-occupied. Rates and terms quoted are for single family dwellings. Member fees may include appraisal, title change, recording fees and any other related fees.
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Solar loans will have a UCC Filing attached to them.
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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Up to $50,000
New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
As Low As; Up to $40,000
Approximate Term: Up to 84 months
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$500; As Low As
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$100,000; As Low As
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As Low As; Maximum Loan Amount: $125,000
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$10,000; As Low As
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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$20,000; As Low As
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Up to $50,000
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up to $250,000; As Low As; 10 year fixed
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$500 - $2,000
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Contact Credit Union for qualifying terms and individual rates
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As Low As; Maximum Loan Amount: $125,000
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As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
As Low As; Your actual rate may vary and will be based on credit score and the loan term. Minimum loan amount: $3,000 for terms longer than 36 months. Maximum loan amount: $25,000. Payment example: 48 payments of $25.86 per $1,000 borrowed. Borrow up to 20% of gross annual income.
$10,000; Documentation fee $60.00; Subject to additional finance charges.
$6,000; Documentation fee $60.00; Subject to additional finance charges.
$3,500; Documentation fee $60.00; Subject to additional finance charges.
$2,500; Documentation fee $60.00; Subject to additional finance charges.
$1,500; Documentation fee $60.00; Subject to additional finance charges.
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; $30,000 maximum - consolidate your high rate loans
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Contact Credit Union for qualifying terms and individual rates
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Roseville, CA Personal Loan Rate Trends
Compare local Roseville, CA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California personal loan rates currently average 10.608% APR.
California signature loan rates currently average 11.176% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in California?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in California?
Are credit unions or banks better for personal loans in Roseville, California?
What are the best personal loan rates in Roseville, California?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- Banner Bank: 6.29% (QuickStep Equipment Loan)
- SchoolsFirst Federal Credit Union: 7.99% (Personal Loan)
- California Community Credit Union: 8.95% (personal loans)
- Sacramento Credit Union: 8.99% (Personal Loan)
Personal Loan Calculators
