Payday Loans Roseville, CA – Compare Licensed Lenders (2026)

$$300

Max Loan Amount

Active Lenders

15 min

Approval Time

$148K

Population

Roseville, California, located in the heart of Placer County, is a dynamic city with a population of 147,773. Known for its diverse industries and an average income of $52,000, Roseville offers a relatively affordable lifestyle with a cost of living that's 10% below the national average. Despite these favorable conditions, residents may still face unexpected expenses. In such cases, payday loans can provide a quick financial fix, offering immediate assistance for sudden financial needs.

About Roseville

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

California Payday Loan Regulations

Max Loan Amount:$300

Max Term:31 days

Typical APR:460% (15% max fee)

Finance Charge:$45 maximum (15% of principal)

Regulatory Body:Department of Financial Protection and Innovation (DFPI)

Payday loans in California are capped at $300 with a maximum 15% fee ($45). Lenders must be licensed by DFPI.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Where to Find Payday Loans in Roseville

In Roseville, payday loans can be more challenging to find locally, as there are no active storefront lenders within the city. Residents looking for payday loans typically rely on online platforms to meet their financial needs. These online lenders serve California, allowing residents to apply and receive funds without leaving home. While this can be convenient, it's crucial to ensure that any online lender is reputable and complies with California's regulatory standards.

Compare Lenders in Roseville

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Roseville

Calculation

Loan Amount: $$500

Term: $14 days

APR: $460%

Fee: $$75

Total Repayment: $$575

Effective APR: $391.1%

⚠️ Important Notes

✓ For Roseville residents earning $$52,000, this payment is Approximately 1.3% of income
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Roseville

✅ Advantages

✓ Process 100% online
✓ Decision in 15 minutes
✓ Available for Roseville residents
✓ No collateral required
✓ Early repayment is acceptable

❌ Disadvantages

✗ Higher APR than banks
✗ No storefront lenders in Roseville
✗ Credit check required

💡 Expert Recommendation for Roseville Residents

Rostislav Sikora, a loan expert, advises that due to Roseville's lower cost of living, short-term payday loans can be a viable solution for immediate needs. However, it's crucial to evaluate the APR closely and ensure the loan payment doesn't exceed 35% of your monthly income. This practice helps maintain financial stability and prevents future debt cycles.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Roseville, CA

How do I get a payday loan in Roseville, CA?

Residents of Roseville can access payday loans through reputable online lenders as there are no storefronts in the city.

What's the max I can borrow in Roseville?

In Roseville, you can borrow up to $300 under California state payday loan regulations.

Can I get approved with bad credit in Roseville?

Yes, many online lenders consider applications from individuals with poor credit scores.

Are there storefronts in Roseville or is it online only?

Currently, Roseville does not have payday loan storefronts, so options are primarily online.

How fast can I get money in Roseville?

Online payday loans can be approved quickly, often within 15 minutes, with funds available in a day.

What are the fees for payday loans in Roseville?

In California, payday loan fees are capped at 15% of the borrowed amount.

Can I repay my payday loan early in Roseville?

Yes, most lenders allow early repayment without any penalties.

What documentation is needed for a payday loan in Roseville?

You typically need proof of income, a valid ID, and a bank account to apply online.

How do payday loans impact my credit in Roseville?

While payday loans are not always reported to credit bureaus, missed payments can harm your credit rating.

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Roseville, CA and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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