Roseville at a glance
- Population: 159,135 people, the 35th-largest place among California's 482 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 147,791 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 7.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among California places: 35th of 482 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 93% of California's places have fewer residents (US Census Bureau).
- Coordinates: 38.7703, -121.3196 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Sacramento, CA (16 mi); Elk Grove, CA (25 mi); Stockton, CA (55 mi); Santa Rosa, CA (78 mi); Modesto, CA (80 mi) (US Census Bureau).
- Nearest smaller places: Rocklin, CA (5 mi); Citrus Heights, CA (5 mi); Loomis, CA (7 mi) (US Census Bureau estimates).
What a personal loan costs in Roseville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
California lending rules that apply in Roseville
The California rate caps and licensing rules that reach Roseville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Finance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law) Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner". | California Legislature — Financial Code § 22100 as of 2026-09-16 |
| State lending regulator | California Department of Financial Protection and Innovation (DFPI) Source says: "“Department” means the Department of Financial Protection and Innovation". | California Legislature — Financial Code § 23001 as of 2026-09-16 |
| 36% rate cap on mid-size consumer loans (AB 539) | Consumer loans of $2,500 to under $10,000: cap of 36% per annum simple interest plus the Federal Funds Rate Source says: "charges at a rate not exceeding an annual simple interest rate of 36 percent per annum plus the Federal Funds Rate". | California Legislature — Financial Code § 22304.5 as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum". | California Legislature — California Constitution, Article XV, § 1 as of 2026-09-16 |
| Payday lending status | Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036). | California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16 |
How to compare offers in Roseville
These steps are the ones that most affect the offer you receive in Roseville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in California using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.