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. 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.

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.

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.

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.

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.